Credit Card Compare

Zip Plus

Data last updated 25 October 2026
13.70%
Purchase rate
$119
Annual fee
0 days
Interest-free

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Zip Plus card
You may have seen us in
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CardIQ

46Fair

Fair

Overall score, out of 100 · How this works

  • Low rate52
  • No foreign fee68
  • Rewards18
  • Travel48

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.
  • Earns cashback on eligible spending.
  • No foreign transaction fee on overseas or online spending.
  • No fee to add an additional cardholder.

Worth noting

  • The $119 annual fee is high for a Standard card, where the typical fee is about $50.
  • 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
$119 p.a.
Cash advance fee
—
Foreign transaction fee
0%
Late payment fee
$15

Repayments

Interest-free period
None
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.

Overseas feeNo feeTied for best (1st of 200 cards)
Purchase rate13.70%Better than most (56th of 196 cards)
Annual fee$119 a yearMiddle of the market (121st of 200 cards)

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

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for AustraliaHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Zip+