2 cards side by side

Zip Pay (Visa card) vs Zip Plus (Visa card)

At a glance

Purchase interest (APR): not confirmed for Zip Pay (Visa card), so we don't say which is lower.
Foreign transaction fee: not confirmed for Zip Pay (Visa card), so we don't say which is lower.
Same annual fee on both: A$9.95/month.

Zip Pay (Visa card) compared with Zip Plus (Visa card)
4 of 8 rows have data	Zip Pay (Visa card)Zip2 of 8 facts on file · annual fee checked Sep 2026	Zip Plus (Visa card)Zip4 of 8 facts on file · annual fee checked Sep 2026
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Zip Pay (Visa card), so no card is marked lower.	Not confirmed	13.7%
Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Zip Pay (Visa card), so no card is marked lower.	Not confirmed	0%
Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.	A$9.95/monthA$119.40/yr	A$9.95/monthA$119.40/yr
NetworkSame on allWhere the card is accepted.	Visa	Visa
Apply	Apply	Apply

Zip Pay (Visa card)Zip2 of 8 facts on file · annual fee checked Sep 2026
Zip Plus (Visa card)Zip4 of 8 facts on file · annual fee checked Sep 2026

Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Zip Pay (Visa card), so no card is marked lower.

Zip Pay (Visa card): Not confirmed
Zip Plus (Visa card): 13.7%

Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Zip Pay (Visa card), so no card is marked lower.

Zip Pay (Visa card): Not confirmed
Zip Plus (Visa card): 0%

Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.

Zip Pay (Visa card): A$9.95/monthA$119.40/yr
Zip Plus (Visa card): A$9.95/monthA$119.40/yr

NetworkSame on allWhere the card is accepted.

Zip Pay (Visa card): Visa
Zip Plus (Visa card): Visa

Apply

Not confirmed for any of these cards: Top earn rates, Welcome offer, Rewards program, Listed under. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Zip Pay (Visa card) review Zip Plus (Visa card) review

Questions

Frequently asked

Can I hold Zip Pay (Visa card) and Zip Plus (Visa card) at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in Australia?

Every card in this comparison is issued for Australia. Approval depends on each issuer's credit and income criteria.