ZipZip Money
Larger-purchase account with flexible repayments and promotional interest-free periods at eligible merchants.
At a glance
No headline figures published.
Rates
The one rate Zip publishes for this credit card.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableStandard variable interest rate of 25.9% p.a. applies outside or after applicable interest-free periods. | P&I | - | - | 25.90% | - | Purchases may receive promotional interest-free periods of 3 to 60 months depending on the merchant and offer. |
Fees
6 fees published, grouped by when they're charged.
- When you take it out$0 to $99Establishment fee
- While you hold it$9.95 a monthMonthly account fee
- When you close it or pay it offNo fee published
When you take it out1
- Establishment fee
One-off establishment fee for new customers.
$0 to $99
While you hold it1
- 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.
$9.95 a month
When you make a transaction2
- BPAY processing fee
Flat fee per bill paid via BPAY. Exemptions may apply.
$2.50 - Foreign transaction fee
3% of the transaction value converted into Australian dollars.
3.00% of interest accrued
If a payment is late or fails2
- Dishonour fee
A $5 dishonour fee applies if your repayment is rejected by your bank.
$5 - Late fee
Charged 7 days after the due date if the minimum monthly repayment is not made.
$15 7 days after it's due
Features
Eligibility and limits
- Minimum age 18
- Residency: AU
- Amount $1,000 to $5,000
- Have your own valid and verifiable email address.
- Have your own valid and verifiable mobile number.
- Approval subject to Zip’s credit assessment criteria.
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Published by Zip under the Consumer Data Right, last changed by them on 4 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.