Credit Card Compare

Zip Plus

13.70%
Purchase rate
$0
Annual fee
0 days
Interest-free

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Zip Plus card
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CardIQ

60Good

Good

Overall score, out of 100 · How this works

  • Low rate74
  • No annual fee71
  • No foreign fee76
  • Rewards25
  • Travel55

Customer reviews

No reviews yet. Be the first to review the Zip Plus.

Pros & cons

What's good

  • The 13.7% p.a. purchase rate is below the 18.99% p.a. market median.
  • No annual fee.
  • Earns cashback on eligible spending.
  • No foreign transaction fee on overseas or online spending.
  • No fee to add an additional cardholder.

Worth noting

  • No balance transfer or introductory purchase offer.
  • Up to 0 interest-free days on purchases (below the 55-day median).

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$2,000 – $20,000
Credit rating
Good
Rewards program
Zip Rewards

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
13.70% p.a.
Purchases
13.70% p.a.

Fees

Additional cardholder fee
$0
Annual fee
No annual fee
Cash advance fee
—
Foreign transaction fee
0%
Late payment fee
$15

Repayments

Interest-free period
Up to 0 days on purchases
Minimum repayment
$25 per transaction

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Earn rate
—
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee$0Tied for best (1st of 200 cards)
Overseas feeNo feeTied for best (1st of 200 cards)
Purchase rate13.70%Better than most (57th of 196 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Zip+