Get what you need and want
Zip accounts
Zip Pay
Interest free always1
Made for everyday extras, from your morning coffee to your daily commute.
Credit
$1,000
Monthly fee Monthly feesPay your statement closing balance in full by the due date to waive the monthly fee. Or pay $9.95 per month to carry a balance.
$0 or $9.95
Interest
N/A
Earn $300 cashback. Sign up and spend $8,000 with Zip Plus in your first 3 months.*
Zip Plus
Interest free under $1,0003
For your everyday, groceries, fuel, bills. Zip Plus allows you to spend everywhere Visa is accepted.
Credit
$2,000 - $20,000
Monthly fee Monthly feesPay no fee when you have nothing owing at the end of the month. Or $9.95 per month to carry a balance.
$0 or $9.95
Interest (p.a) InterestOnly charged when your end of month balance is over $1,000, interest free when it's under.
13.70
%
Zip Money
Up to 5 years interest free4
Spread the cost of bigger purchases with exclusive interest free periods up to 5 years.
Credit
$1,000 - $5,000
Monthly fee Monthly feePay no fee when you have nothing owing at the end of the month. Or $9.95 per month to carry a balance.
$0 or $9.95
Interest (p.a) InterestAny balance outstanding at the expiry of the interest free period will be charged at the standard variable rate of 25.90% p.a. Interest free terms vary and will be advised at checkout.
25.90
%Ways to pay
Smooth out cashflow day to day, using Zip.
Earn cashback when you shop with Zip
Take Zip Plus abroad, fee free
Budget better with Gift Cards
Shop offers in the app
Up to 5 years interest free
at 60,000 merchants4
Spread the cost of bigger purchases over time when you shop with Zip Money.
Explore offers
Apple AirPod max$999Up to 6 months interest free
Fully regulated
By the Australian Securities & Investments Commission Australia.
Secure transactions
Powering 76 million transactions for our customers every year.
Aussie care
Feel supported by our Australian help centre team 24/7.
Frequent questions
All in one app
