Zip offers a convenient and affordable way to make purchases by spreading the cost over time. With Zip Pay, you can spend between $350 and $1,000 interest-free, and pay nothing until the end of the following month. You can use Zip Pay everywhere Visa is accepted, from groceries to fashion, and bundle all your purchases into one weekly, fortnightly, or monthly repayment schedule that suits you. Zip Money is available for bigger purchases up to $5,000, with a minimum of 3 months interest-free on every purchase and up to 5 years interest-free at select Zip partners. You can customize your repayment frequency, amount, and date to suit your needs.

Zip offers additional benefits such as deals, offers, and cashbacks. You can earn instant cashback rewards at select Zip partners, access exclusive offers, and enjoy interest-free periods of up to 5 years at select Zip partners with Zip Money. Zip also provides various payment options, including tap to pay with your phone at Visa contactless-enabled stores, creating virtual cards for extra security, using barcodes for quick in-store checkout at Zip Money partners, and paying bills through BPAY with over 60,000 billers available.

To help you stay in control of your finances, Zip provides insights such as notifications of upcoming repayments, balance checking, viewing statements and transaction history, and the ability to change and manage repayments. It's important to note that Zip Pay requires minimum monthly repayments and has a monthly account fee of $7.95, which can be waived if you pay your statement closing balance in full by the due date. Zip Money is subject to a satisfactory credit check and has a monthly account fee of $7.95, with additional charges and interest applicable if the purchase is not repaid within the interest-free period.