Zip Zip Plus

credit card

Zip Plus is a credit card from Zip, read from the issuer's own page and Key Facts Sheet where it publishes one. Its purchase rate is 13.70% and its card fee $119.40 a year ($9.95 a month). It ranks 36th of 52 issuers for a personal card by lowest purchase rate.

What the issuer states

Purchase rate

13.70%

Interest-free days

up to 0

Card fee

$119.40 a year ($9.95 a month) (Monthly Account Fee)

Fee note

the Monthly Account Fee is waived in any month with nothing owing at the end of the month

Foreign transaction fee

0% of the transaction

Late payment fee

$15

Credit limit

$2,000 to $20,000

Scheme

Visa

Conditions and offers

• 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

Data

• Zip's own page for this card.
• The issuer's own documents: fees.
• The sentences each figure was quoted from, re-read daily: "Standard interest rate is 13.70% p.a as at 1 April 2026." (purchase rate, found today); "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." (interest threshold, found today); "Monthly Account Fee $9.95/month Waived if $0 owing at the end of each calendar month." (annual fee, found today); "If the minimum monthly payment amount (or your remaining balance if less than the minimum) is not met, you will incur a $15 late fee." (late payment fee, found today); "Credit $2,000 - $20,000 Up to $20,000" (credit limit, found today); "The Zip Visa Card works online and instore, even when you don't see Zip at checkout." (virtual card, found today).
• /au/finance/credit-cards/v1/brands/zip.json: this issuer's cards as JSON; Zip's page lists them.
• The dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means a sentence these figures were quoted from could not be found on the issuer's page today.