Retailers may offer longer interest free terms (6-60 months). At conclusion of the interest free period, interest will be charged at the standard variable rate of 21.9% per annum.
Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
One-off establishment fee
A one-off establishment fee may apply for new customers.
$7.95 monthly account fee
Waived if you have nothing owing.
Interest free instalment plans
For purchases over $300 we'll automatically set you up to repay in equal instalments to help you avoid interest charges.^^
Zip Pay. Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only. T&Cs apply. ^Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single use card available with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply. ^^Zip Money. Available to approved applicants only. Any repayment advertised will repay the transaction balance within the interest free period (excluding a monthly account fee of $7.95 and a one-off establishment fee which may apply for new customers). Under the contract, minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 21.9% per annum as at 1 July 2022 and is subject to change. T&Cs apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878). 1Redeemable when you reach the Rewards Goal. Rewards Program and Promotion T&Cs apply.
Splitit makes your payments smaller so you can make life bigger
Choose Splitit at Checkout
Select Number of Payments
Pay Over Time
Always 0% Interest. Never Any Late Fees
There are no applications or credit checks, and you continue to earn your points and rewards on your card.
Use your favorite credit card to split your payment into smaller, bite-sized pieces.
Sample plan for 6 Installments with credit card
* Amount held on card
At the time of purchase, once the merchant confirms your order, you will only be charged for the first payment. The remaining balance will be held on your credit card until the final payment is made. After each monthly payment, the amount held from your available balance will be reduced to the new remaining balance (the held amount might appear as “pending”).
To be eligible, you must own a VISA or MasterCard credit card and have the entire amount of your purchase available on your card.
Splitit will not charge you interests or fees. Other charges may apply from your credit card issuer.
Pay in 4 fortnightly instalments
No application required, simply use your PayPal account.