{
  "brand": "ZipMoney Payments Pty Ltd",
  "brand_label": "Zip",
  "brand_slug": "zip",
  "legal_entity_abn": "58164440993",
  "public_base_uri": null,
  "logo_uri": null,
  "status": "documents",
  "stale": false,
  "bank_last_updated": "2026-11-12T02:35:39Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":36,"of":52,"product_label":"Zip Plus","card_type":"credit","purchase_rate_pct":13.7,"annual_fee":119.4,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":0,"min_credit_limit":2000,"max_credit_limit":20000,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "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"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Card issuers with no Consumer Data Right feed, read by hand from their card pages and Key Facts Sheets; every figure is quoted from the sentence it was read from and re-read daily.",
  "licence_note": "This issuer publishes no Consumer Data Right feed. Its rates and fees are read from its own public card pages and Key Facts Sheets and reproduced here as reference data: every figure carries the sentence it was quoted from and the page it came from, each sentence is re-read daily, and a card whose sentence has gone is unranked and marked. Rates, fees and offers change without notice; check the issuer's page before acting. This is not financial advice.",
  "source_kind": "document",
  "why_not_in_the_feeds": "Zip is not on the Consumer Data Right register of data holders, so it publishes no product reference data feed; its product pages are the public record. Zip Plus is a digital line of credit with a virtual Visa card rather than a scheme credit card, and is listed here because readers compare it with one.",
  "website": "https://zip.co/au",
  "products": [
    {
      "product_id": "zip-plus",
      "product_name": "Zip Plus",
      "product_label": "Zip Plus",
      "product_slug": "zip-plus",
      "page": "/au/finance/credit-cards/cards/zip/zip-plus/",
      "product_url": "https://zip.co/au/zip-plus",
      "terms_url": null,
      "fees_url": "https://zip.co/au/zip-plus",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": null,
      "purchase_rate_pct": 13.7,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 0,
      "annual_fee": 119.4,
      "fee_period": "monthly",
      "fee_as_stated": 9.95,
      "annual_fee_stated": true,
      "annual_fee_note": "the Monthly Account Fee is waived in any month with nothing owing at the end of the month",
      "fee_name": "Monthly Account Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "interest_free_balance_threshold": 1000,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 15,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "form": "virtual_card",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 2000,
      "max_credit_limit": 20000,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "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"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 36,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "document",
      "record_stale": false,
      "source_url": "https://zip.co/au/zip-plus",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": null,
      "document_date": null,
      "checked": {
        "at": "2026-11-12T02:35:39+00:00",
        "quotes": {
          "purchase_rate": {
            "status": "found",
            "url": "https://zip.co/au/zip-plus",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba"
          },
          "interest_threshold": {
            "status": "found",
            "url": "https://zip.co/au/zip-plus",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au/zip-plus#:~:text=No%20interest%20will%20be%20charged,month%20is%20%241%2C000%20or%20less.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba"
          },
          "annual_fee": {
            "status": "found",
            "url": "https://zip.co/au/zip-plus",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au/zip-plus#:~:text=Monthly%20Account%20Fee%20%249.95%2Fmonth%20Waived,end%20of%20each%20calendar%20month.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba"
          },
          "late_payment_fee": {
            "status": "found",
            "url": "https://zip.co/au/zip-plus",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au/zip-plus#:~:text=If%20the%20minimum%20monthly%20payment,incur%20a%20%2415%20late%20fee.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba"
          },
          "credit_limit": {
            "status": "found",
            "url": "https://zip.co/au",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au#:~:text=Credit%20%242%2C000%20%2D%20%2420%2C000%20Up%20to%20%2420%2C000",
            "document_sha256": "2d0a92647069f1a994f067d8b3222808222a655fc03982bcc06c08359fb19cf2"
          },
          "virtual_card": {
            "status": "found",
            "url": "https://zip.co/au/zip-plus",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au/zip-plus#:~:text=The%20Zip%20Visa%20Card%20works,don%27t%20see%20Zip%20at%20checkout.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba"
          },
          "issuer.issuer": {
            "status": "found",
            "url": "https://zip.co/au/zip-plus",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au/zip-plus#:~:text=Credit%20provided%20by%20ZipMoney%20Payments,Australian%20Credit%20Licence%20Number%20441878.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba"
          },
          "issuer.foreign_transaction_fee": {
            "status": "found",
            "url": "https://zip.co/au/zip-plus",
            "confirmed": "2026-11-12",
            "cite_url": "https://zip.co/au/zip-plus#:~:text=Pay%20no%20foreign%20transaction%20fees,when%20buying%20from%20overseas%20websites.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba"
          }
        }
      },
      "quotes": {
        "purchase_rate": {
          "text": "Standard interest rate is 13.70% p.a as at 1 April 2026.",
          "url": "https://zip.co/au/zip-plus",
          "citation": {
            "quote": "Standard interest rate is 13.70% p.a as at 1 April 2026.",
            "url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba",
            "confirmed": "2026-11-12"
          }
        },
        "interest_threshold": {
          "text": "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.",
          "url": "https://zip.co/au/zip-plus",
          "citation": {
            "quote": "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.",
            "url": "https://zip.co/au/zip-plus#:~:text=No%20interest%20will%20be%20charged,month%20is%20%241%2C000%20or%20less.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba",
            "confirmed": "2026-11-12"
          }
        },
        "annual_fee": {
          "text": "Monthly Account Fee $9.95/month Waived if $0 owing at the end of each calendar month.",
          "url": "https://zip.co/au/zip-plus",
          "citation": {
            "quote": "Monthly Account Fee $9.95/month Waived if $0 owing at the end of each calendar month.",
            "url": "https://zip.co/au/zip-plus#:~:text=Monthly%20Account%20Fee%20%249.95%2Fmonth%20Waived,end%20of%20each%20calendar%20month.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba",
            "confirmed": "2026-11-12"
          }
        },
        "late_payment_fee": {
          "text": "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.",
          "url": "https://zip.co/au/zip-plus",
          "citation": {
            "quote": "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.",
            "url": "https://zip.co/au/zip-plus#:~:text=If%20the%20minimum%20monthly%20payment,incur%20a%20%2415%20late%20fee.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba",
            "confirmed": "2026-11-12"
          }
        },
        "credit_limit": {
          "text": "Credit $2,000 - $20,000 Up to $20,000",
          "url": "https://zip.co/au",
          "citation": {
            "quote": "Credit $2,000 - $20,000 Up to $20,000",
            "url": "https://zip.co/au#:~:text=Credit%20%242%2C000%20%2D%20%2420%2C000%20Up%20to%20%2420%2C000",
            "document_sha256": "2d0a92647069f1a994f067d8b3222808222a655fc03982bcc06c08359fb19cf2",
            "confirmed": "2026-11-12"
          }
        },
        "virtual_card": {
          "text": "The Zip Visa Card works online and instore, even when you don't see Zip at checkout.",
          "url": "https://zip.co/au/zip-plus",
          "citation": {
            "quote": "The Zip Visa Card works online and instore, even when you don't see Zip at checkout.",
            "url": "https://zip.co/au/zip-plus#:~:text=The%20Zip%20Visa%20Card%20works,don%27t%20see%20Zip%20at%20checkout.",
            "document_sha256": "09005fdcdc710326a19c6319b5f681f604f9de74f9bb77feeb4c06b85c9e19ba",
            "confirmed": "2026-11-12"
          }
        }
      },
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "purchase_rate_pct",
            "interest_free_balance_threshold",
            "annual_fee",
            "late_payment_fee",
            "min_credit_limit",
            "max_credit_limit",
            "form",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.",
          "quote": "Standard interest rate is 13.70% p.a as at 1 April 2026."
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "ZipMoney Payments Pty Ltd",
      "brand_label": "Zip",
      "brand_slug": "zip",
      "legal_entity_abn": "58164440993",
      "product_id": "zip-plus",
      "product_name": "Zip Plus",
      "product_label": "Zip Plus",
      "product_slug": "zip-plus",
      "page": "/au/finance/credit-cards/cards/zip/zip-plus/",
      "product_url": "https://zip.co/au/zip-plus",
      "terms_url": null,
      "fees_url": "https://zip.co/au/zip-plus",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 13.7,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": null,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 0,
      "annual_fee": 119.4,
      "fee_period": "monthly",
      "fee_as_stated": 9.95,
      "annual_fee_stated": true,
      "annual_fee_note": "the Monthly Account Fee is waived in any month with nothing owing at the end of the month",
      "fee_name": "Monthly Account Fee",
      "first_year_fee_waived": false,
      "interest_free_balance_threshold": 1000,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": 15,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "form": "virtual_card",
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 2000,
      "max_credit_limit": 20000,
      "min_income": null,
      "min_age": null,
      "restrictions": [],
      "conditions": [
        "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": true,
      "unranked_reason": null,
      "source_kind": "document",
      "record_stale": false,
      "source_url": "https://zip.co/au/zip-plus",
      "source_snapshot": null,
      "snapshot_at": null,
      "bank_last_updated": "2026-11-12T02:35:39+00:00",
      "key_facts_sheet_url": null,
      "document_date": null,
      "from_issuer_page": [
        {
          "source": "issuer_document",
          "fields": [
            "purchase_rate_pct",
            "interest_free_balance_threshold",
            "annual_fee",
            "late_payment_fee",
            "min_credit_limit",
            "max_credit_limit",
            "form",
            "foreign_transaction_fee_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://zip.co/au/zip-plus#:~:text=Standard%20interest%20rate%20is%2013.70%25,as%20at%201%20April%202026.",
          "quote": "Standard interest rate is 13.70% p.a as at 1 April 2026."
        }
      ],
      "rate_pct": 13.7,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 36,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": []
}