Zip Plus offers the below features at a low interest rate, for more info and to apply for Zip Plus see here:
Key features:
- Credit limits from $2,000 to $20,000.
- Use anywhere Visa is accepted¹ — including overseas — with tap-to-pay and single-use cards.
- No international transaction fees.
- Interest is waived if your owing balance is $1,000 or less at the end of each calendar month.
- 13.70% p.a. interest (accruing daily)² applies only if your owing balance is over $1,000 at the end of the calendar month.
- Choose weekly, fortnightly, or monthly repayments, as long as you meet your minimum monthly repayment.
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$9.95 monthly fee² applies when you have an owing balance at calendar month-end.
- No monthly fee if your total owing balance is $0.
- Autopay Balance: automatically adjusts your repayment schedule to repay your full owing balance by the end of the month - helping you avoid interest and the monthly fee.
- Zip Plus is designed for everyday spending and cannot be held alongside a Zip Pay account.
¹ VISA is a trademark owned by Visa International Service Association and used under license.
² Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,000 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 13.70% p.a as at 1 April 2026. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.