Zip Money
Credit & Charge Cards
Larger-purchase account with flexible repayments and promotional interest-free periods at eligible merchants.
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Standard variable interest rate of 25.9% p.a. applies outside or after applicable interest-free periods. | 25.9% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment fee One-off establishment fee for new customers. | Upfront | $0.00 – $99.00 |
| Monthly account fee Charged if there is an outstanding balance on the last day of the month. No monthly fee if the balance is paid in full by month end. | Ongoing | $9.95 |
| Late fee Charged 7 days after the due date if the minimum monthly repayment is not made. | Late payment | $15.00 |
| Foreign transaction fee 3% of the transaction value converted into Australian dollars. | Transaction | 3% (PER_TRANSACTION) |
| BPAY processing fee Flat fee per bill paid via BPAY. Exemptions may apply. | Transaction | $2.50 |
| Dishonour fee Charged if a repayment is rejected by the bank. | Dishonour | $5.00 |
Features
- Interest-free period — 3 months
- Interest free periods available on eligible purchases
- Bill payment (BPAY)
- Longer-term repayment plans available
- Card access
- Promotional financing offers through partner merchants
- Extra repayments
- Fraud protection
- Promotional offer
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years old
- Residency statusMust be an Australian citizen or permanent resident
- Credit checkSubject to credit approval and responsible lending checks
- IncomeMust demonstrate ability to meet repayments
- EmploymentEmployment details required as part of application
Constraints
- Minimum limit — $1,000.00Minimum direct-apply credit limit.
- Maximum limit — $5,000.00Maximum direct-apply credit limit.
More Information
Published by Zip under the Consumer Data Right · Last updated 19 June 2026 · Product ID zip-money