Zip Plus
Credit & Charge Cards
Higher-limit everyday account with a Zip Visa Card and conditional interest-free balance treatment.
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable From 1 April 2026, the standard variable rate is 13.70% p.a. when the end-of-month owing balance is more than $1,000. | 13.7% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly account fee Charged if there is an owing balance at the end of the calendar month. No monthly fee if the account balance is $0. | Ongoing | $9.95 |
| Late fee Charged 7 days after the due date if the minimum monthly repayment is not made. | Late payment | $15.00 |
| Dishonour fee Charged if a repayment is rejected by the bank. | Dishonour | $5.00 |
Features
- Digital wallet
- Access via virtual card
- Bill payment (BPAY)
- Supports mobile wallet payments
- Card access
- Flexible repayment options available
- Extra repayments
- Fraud protection
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 and affordability checks
- IncomeMust meet minimum income and repayment capacity requirements
- EmploymentEmployment details required as part of application
Constraints
- Minimum limit — $2,000.00Minimum credit limit.
- Maximum limit — $20,000.00Maximum credit limit.
More Information
Published by Zip under the Consumer Data Right · Last updated 19 June 2026 · Product ID zip-plus