Zip
Not a Consumer Data Right data holder; issued by ZipMoney Payments Pty Ltd · ABN 58 164 440 993
Credit cards
Zip is not a Consumer Data Right data holder, so its 1 credit or charge card is read by hand from its own pages and, where it publishes one, its Key Facts Sheet, each figure quoted from the sentence it came from and re-read daily; 1 is ranked on the comparison. Rates are per annum as published by the bank; a card's annual fee is the yearly figure, with a monthly card fee multiplied by twelve.
Where its cards rank
Zip's card for each customer segment and ranking on the credit card comparison, with its rank among the banks there.
| Card for | Ranking | Rank | Card | Purchase rate | Annual fee | Interest-free days | Credit limit | Balance transfer | Rewards | Conditions | Restrictions |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Personal | Low rate | 36 of 52 | Zip Plus | 13.70% | $119.40 | 0 | $2,000 to $20,000 | — | — | read from the issuer's own page, each figure quoted and re-read daily; the Monthly Account Fee is waived in any month with nothing owing at the end of the mont… | — |
Cards
Ranked cards
Zip Plus credit card
purchase rate 13.70%; fee $119.40 ($9.95 a month) a year; 0 interest-free days; credit limit $2,000 to $20,000.
- read from the issuer's own page, each figure quoted and re-read daily
- the Monthly Account Fee is waived in any month with nothing owing at the end of the month
- no interest in a month in which the month-end balance is $1,000 or less; the rate applies above that
- a virtual Visa card in the issuer's app, not a physical card
- credit limit $2,000 to $20,000
- A digital line of credit, not a scheme credit card: the Zip Visa Card is a virtual Visa number in the Zip app, usable online and in a phone wallet, with no physical card as standard.
- No interest is charged in a month in which the balance owing at the end of the month is $1,000 or less; above that, interest accrues at the standard rate. There are no interest-free days in the credit card sense.
- The $9.95 monthly account fee is waived in any month with nothing owing at the end of the month; annual_fee is twelve months of it.
- Minimum monthly repayments are a fixed amount set by the credit limit ($120 a month on a $4,000 limit, the page's example).
- no foreign transaction fees
- $300 cashback for a new account approved by 11:59pm AEDT 6 December 2026 with $8,000 spend in the first 3 months
- cashback offer for new Zip customers only
Ranked cards come first. "stale" means a sentence the card's figures were quoted from could not be found on the issuer's page today. The "details" link opens the card's own page here, with every figure and the sentence it was quoted from; "key facts sheet" opens the issuer's regulatory fact sheet.
We receive no payment from any lender for inclusion or ranking.
Data
This section is read from the issuer's own pages and, where it publishes one, its Key Facts Sheet, re-read daily; it publishes no product data feed. The same records are published as JSON with a source URL and the issuer's last-updated or document date on every row:
/au/finance/credit-cards/v1/brands/zip.json: this issuer's cards, its ranked entries first./au/finance/credit-cards/v1/rates.json: every bank's cards in one file./au/finance/credit-cards/v1/best.json: the banks ranked per segment and ranking kind./au/finance/credit-cards/v1/index.json: dataset index, including every per-bank file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.