ZipPay

Zip Pay

What Is Zippay?

Zip Pay is an Australian buy‑now‑pay‑later service that lets you spread the cost of your purchase over time. Once your account is approved, Zip assigns you a personalised credit limit (typically $350–$1 000). You can use this limit to buy what you need now and repay later in weekly, fortnightly or monthly instalments. Every Zip Pay purchase is interest‑free and there’s no establishment fee. A $9.95 monthly account fee applies, but it’s waived when you pay your statement closing balance in full by the due date. If you miss a payment, a $7.50 late fee is charged.

Your credit limit may increase over time if you build a strong repayment history. You must be at least 18 years old to apply, and Zip may perform a credit check.

Why Shop with Zip Pay?

  • One reusable account with a single monthly statement.
  • Interest-free purchases with no establishment fee.
  • The $9.95 monthly account fee is waived when you pay your statement balance in full by the due date.
  • Choose a repayment schedule that suits you — weekly, fortnightly, or monthly.
  • Use Zip's virtual Visa card online and in-store wherever Visa is accepted.
  • Earn 10% Splash Pass Store Credit on eligible HR Sports orders and still enjoy our weekly Hump Day Deals.

Top Trending Categories This Week

Furniture

Home-Garden

Fitness Equipment

Mattresses & Bedding

Camping Gear

Gardening

Home Appliances

Small Kitchen Appliances

Outdoor & Garden

Tools & Hardware

Security Camera

Pet Products

Features of Zippay and Zipmoney

ZipPay

Features of Zip Pay

  • Personalised credit limit: Receive a credit limit between $350 and $1,000, with the opportunity to increase your limit after at least six months of good repayment history.
  • Interest-free purchases: Pay no interest on any Zip Pay purchase.
  • No establishment fee: Opening a Zip Pay account is completely free.
  • Monthly account fee: A $9.95 monthly account fee applies but is waived when you pay your statement closing balance in full by the due date.
  • Flexible repayments: Choose to repay weekly, fortnightly, or monthly, with minimum repayments starting from $10 per week.
  • Late fee: A $7.50 late fee may apply if you miss a repayment, charged 7 days after the due date.
  • Digital Visa card: Shop online and in-store anywhere Visa is accepted using your Zip virtual Visa card.
  • BPAY & gift cards: Pay eligible bills through BPAY and purchase gift cards directly in the Zip app.
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Zip Money

Features of Zip Money

  • Higher credit limit: Apply for a credit limit between $1,000 and $5,000, with limits of up to $50,000 available at participating merchants.
  • Interest-free period: Enjoy up to 5 years interest free at participating retailers. After the interest-free period ends, a variable interest rate of 25.9% p.a. applies.
  • One-off establishment fee: A one-time establishment fee between $0 and $99 applies, depending on your approved credit limit.
  • Monthly account fee: A $9.95 monthly account fee applies and is waived when there is no outstanding balance on your account.
  • Minimum repayments: Minimum repayments start from $50 per month.
  • Late fee: A $15 late fee may apply if you miss a scheduled repayment.
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Zip Pay

Bigger purchases account.

Get a minimum of 3 months interest
free on every purchase, always.

Everyday account, interest free.

Enjoy $350–$1,000 to spend
instantly once approved.

Zip Pay

Comparison Features

Feature Zip Pay Zip Money
Credit limit $350–$1,000
(may increase over time)		 $1,000–$5,000
(up to $50,000 at select merchants)
Interest Always interest-free Up to 5 years interest-free, then 25.9% p.a.
Establishment fee None $0–$99
Monthly account fee $9.95
(waived when the statement balance is paid in full by the due date)		 $9.95
(waived when there is no balance owing)
Minimum repayment From $10 per week From $50 per month
Best for Everyday purchases Larger purchases
Zip Pay

How to Apply for Zip Pay

  1. Download or Apply Online

    Visit the Zip website or download the Zip app to start your application.

  2. Provide Your Details

    You must be at least 18 years old and provide your personal information along with a valid debit or credit card. Zip may perform a credit check.

  3. Check Your Approval

    Approval is subject to Zip's credit criteria. If approved, you'll receive your initial personalised credit limit, typically between $350 and $1,000.

  4. Start Shopping

    Once your account is set up, use your Zip virtual Visa card in the Zip app or add it to your digital wallet for in-store payments.

Where Can I Use Zip Pay?

You can use Zip Pay almost anywhere Visa is accepted. For online purchases, copy the virtual card details from the Zip app. For in-store purchases, add your Zip Pay Visa card to your phone's digital wallet and tap to pay. You can also pay BPAY bills and buy gift cards via the Zip app.

On HR Sports, Zip Pay works across all departments—from furniture and bedding to fitness and outdoor. You still earn 10% Splash Pass Store Credit on eligible orders when paying with Zip, and you can combine Zip with our weekly Hump Day Deals.

Tips for Using Zip Pay Responsibly

  • Stay on top of payments. Set reminders or enable notifications in the Zip app so you never miss a due date.
  • Pay your statement balance in full. Doing so waives the $9.95 monthly fee and helps maintain a b repayment history.
  • Borrow what you can repay. Stick to purchases you know you can pay off comfortably.
  • Monitor your spending. Use the Zip app to track transactions and your available credit.
  • Contact Zip for help. If you're having difficulty making a payment, reach out to Zip's support team early.
Zip Pay

Reusable account

We give you one account with one monthly statement, no matter how many times you shop

Zip Pay

Interest-free

No interest, hidden fees or upfront payments

Zip Pay

Flexible payments

Choose repayments that suit your lifestyle – weekly, fortnightly, or monthly

Managing Your Zip Pay Account

  • Track your balance and due dates in the Zip app.
  • Update payment methods and personal details at any time.
  • Request a credit limit increase after six months of good repayment history.
  • Get support via the Zip Help Centre if you have questions about fees, repayments, or your account status.
Zip Pay

Frequently Asked Questions

Who can apply for Zip Pay?

You must be at least 18 years old and have a valid debit or credit card. Approval is subject to Zip's credit criteria, and Zip may perform a credit check.

How much can I spend with Zip Pay?

Zip assigns a personalised credit limit between $350 and $1,000. After at least six months of on-time repayments, you may request a limit increase.

Does Zip Pay charge interest?

No. Zip Pay is always interest-free.

What fees are there?

Zip Pay charges a $9.95 monthly account fee, which is waived when you pay your statement closing balance by the due date. Late fees of $7.50 apply if you miss the minimum repayment. Additional fees may apply for BPAY bill payments or foreign transactions.

Can I increase my credit limit?

Yes. After at least six months of good repayment history, you can request a credit limit increase. Approval depends on Zip's assessment.

Can I use Zip Pay for large purchases?

You can spend up to your approved Zip Pay limit. For purchases above $1,000, consider using Zip Money, which offers higher limits and longer interest-free periods.

Do I earn Splash Pass credit when paying with Zip Pay?

Yes. If you are logged into your Splash Pass account, you still earn 10% store credit on eligible HR Sports orders even when using Zip.