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Card0/4 on file
Annual fee not yet checked
Zip · Card

Zip Personal Loan

Discontinued

Retired 2026-09-09: Zip Personal Loan is a loan, not a credit card — row miscategorized in credit_cards; https://zip.co/au (verified 2026-09-09).

Secured

The Zip Personal Loan is a credit card from Zip. We have not yet confirmed its annual fee against Zip's published terms, so we leave it blank rather than print a price nobody checked. Here is what we hold on it, and what we do not.

Annual feeNot confirmed
Top earn rateNot confirmed
Welcome offerNot confirmed
Browse other cardsNo application link on file · apply through Zip directly
Ledger entry

The receipt

Every cost line we hold for the Zip Personal Loan, exactly as recorded.

Annual fee
Not confirmed
Supplementary card
Not confirmed
Foreign transaction
Not confirmed
Purchase APR
Not confirmed
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Zip Personal Loan. That may mean there isn’t one, or simply that we have not recorded it — Zip’s own page is the place to check.

Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Zip Personal Loan. Rather than print a multiplier we cannot source, this stays blank until Zip’s own terms give us one.

Next step

Ready to apply for the Zip Personal Loan?

We hold no application link for this card. Zip takes applications on their own site — or compare the alternatives we do have links for.

Browse alternatives
Questions

Questions about the Zip Personal Loan

How much is the Zip Personal Loan annual fee?

We hold no annual fee figure for the Zip Personal Loan that has been confirmed against Zip's published terms, so we do not print one. Check the current annual fee on Zip's own page before you apply.

What does the Zip Personal Loan earn?

We hold no category earn rates for the Zip Personal Loan. It earns rewards on eligible purchases, but we do not print a multiplier we cannot source from Zip's terms.

What network is the Zip Personal Loan on?

We hold no card network on record for the Zip Personal Loan. The network determines where a card is accepted and which network-level benefits apply, so confirm it with Zip before you apply.

Is the Zip Personal Loan available in Australia?

No — Zip no longer offers the Zip Personal Loan to new applicants. This page is kept as a record; compare the cards Zip and others offer in Australia today.

How current is this Zip Personal Loan information?

No figure we hold for the Zip Personal Loan has been checked against a published document yet, so we show no check date. Everything on this page comes from what we hold in our catalogue; confirm the fee, offer and terms with Zip before you apply.