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$15 Zip Credit ($50 Min Spend, New Customer)

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$15 Zip Credit ($50 Min Spend, New Customer)
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Moo Deng on 28/11/2020 - 21:26 zip.co (2438 clicks)
Last edited 28/11/2020 - 21:43

Sign up as a New Customer for a Zip Account and complete your first transaction of $50 AUD or more within the Offer Period to get $15 AUD credit back to your Zip Account (“Offer”). This Offer is only available between 12:01AM (AEDT) on Monday 23 November 2020 and 11:59PM (AEDT) on Wednesday 20 January 2021 (""Offer Period"").

  1. Apply for a Zip Pay or Zip Money Account for the first time (“Zip Account”) via the link https://zip.co/promotion/activate-15 and be approved for the Zip Account in accordance with our approval criteria (“New Customer”); and

  2. Successfully complete a transaction of $50 AUD or more instore or online using your Zip Account.

If you have previously held a Zip Account, either active or previously closed, you will not be eligible for this Offer.

The $15 AUD credit back amount will be applied within 14 business days to the Zip Account from which the eligible transaction was made.

Referral Links

Referral: random (259)

$10 for referrer & referee, if referee applies for account within 10 days of invitation and completes a transaction within 14 days of account approval.

This is part of Black Friday / Cyber Monday deals for 2020
Other Cyber Monday Instagrampost

Related Stores

Zip
Zip
Third-Party

closed Comments

  • Charity on 28/11/2020 - 21:29

    Is this as easy as AfterPay, and does it require a credit check?

    • abc on 28/11/2020 - 21:40
      +2

      Yes there is credit check. More like how a traditional cc works rather than like afterpay.

    • dealsforlife on 28/11/2020 - 21:41
      +7

      I used to be with zip and I think it's better than Afterpay. Just $6 a month, 6-12 months interest free on some purchases. It's very easy but also very tempting… And yes there's a credit check.

      • garygaz on 29/11/2020 - 01:19
        +19

        I prefer $0 per month. Each and to their own I suppose. Credit check and monthly fees make zip something I will never use.

        • ATangk on 29/11/2020 - 08:52
          +9

          If you pay your balance there’s no fee. Same as any credit card.

          • arcticmonkey on 29/11/2020 - 13:28

            @ATangk: With a credit card, you can get hundreds of dollars back in points etc to offset the credit check.

            With this, you get a measly $15 from what I can see.

            I'm not sure why someone would put themselves through a credit check for a paltry $15.

        • neostarsx on 29/11/2020 - 08:55
          +3

          Garygaz.
          Afterpay you have to pay every 2week and if you miss a payment it $10, Zip you don't have to pay if no outstanding balance e/month and there only a fee $6 if you don't pay it.
          Do some research.

          • Maxxjet on 29/11/2020 - 12:52
            -2

            @neostarsx: He did, and his comments are in response to dealsforlife…and he said each to its own..

    • tanastra on 28/11/2020 - 21:45

      Credit check , blah blah and plus sign up fee of $25 !!! Before u Spend on anything !! I just cancelled / ignored my application finalisation and continue using after pay ..
      No wonder zip pay shares tanked at the bottom vs Afterpay

      • 424242 on 28/11/2020 - 22:40
        +1

        Pretty sure the fee depends on your account limit. I signed up yesterday, my limit is $500, and I wasn't charged an establishment fee.

        • tanastra on 28/11/2020 - 22:42

          You might be right , I got approved for $2000 , but why still the fees ?? After pay it's so friendlg with the free money like teer3x said .

          • hollykryten on 28/11/2020 - 22:57
            +7

            @tanastra: Because you applied for a Zip Money account. Which incurs a $25 setup fee and a credit check. That one is like a credit card.

            The normal Zip Pay account has no setup fee. But there's a $6 per month account keeping fee if there's an outstanding balance. And a $1000 account limit.

        • bghunter on 28/11/2020 - 22:42
          +2

          I signed up an hour ago, instant approval, $1000 limit and no fees

          • hollykryten on 28/11/2020 - 22:58
            +1

            @bghunter: You have the Zip Pay account which has a $1000 account limit. However it does have a fee a $6 monthly account keeping fee if there's an outstanding balance. But at $0 balance there's no fee charged.

            The other next level account option is Zip Money with a $2000 account limit. But there's a $25 setup fee. That one works more like a credit card in the fact it requires a credit check just to open it.

    • lastkey on 28/11/2020 - 23:25
      +7

      I had applied for a traditional credit card and evaluator told me Zip Pay is considered a negative sign. More like another liability. So advised not to use it especially if you are planning to apply for home loan. She said Afterpay is not considered a liability. Not debating pros or cons, just sharing an experience.

    • jjj123 on 19/12/2020 - 16:17

      Oh, no! You weren't eligible for a Zip account!
      Although we'd love to, we can't offer a Zip account at this time.

      Still want to try Zip in the future?
      Don't worry! You can apply again in six months

      ?????????????

  • dealsforlife on 28/11/2020 - 21:38
    +5

    These buy now pay later companies are. slippery slope.

    • TEER3X on 28/11/2020 - 21:47
      +19

      Not if you pay on time, basically free money if you do.

    • tanastra on 28/11/2020 - 22:35
      +1

      No problems at all with after pay , they always sent me text reminding me of paymeny due next day. Used after pay with ebay more than 5 purchases already with $0 fees or penalty.

      • eggaz on 28/11/2020 - 22:41
        +4

        It's in their best interest to let you know the payment is due, they hold the debt so if you don't pay its their bottom line, they don't want to profit off late payment fees, they make plenty of $ on merchant fees.

        Afterpay is appealing as it has not monthly fees, where Zip hold you to a $6 fee if you have a balance after the billing period.

    • krisspy on 29/11/2020 - 01:23
      +2

      Exactly the same as credit cards. Just discipline and learn to not spend what you don't have

    • nardz on 29/11/2020 - 09:37
      +1

      Much less slippery than traditional credit cards.

      • ely on 08/12/2020 - 21:27

        I don't really get that; this seems much the same as a credit card, except that the credit criteria appear to be even more loose.

  • kyle on 28/11/2020 - 21:43
    +13

    Damn, created the account before seeing this post.

    • bargain_knight on 28/11/2020 - 21:45
      +7

      Me too. Just created one yesterday.

      • charmed_tiger6 on 28/11/2020 - 21:49

        Me three… always the way!

      • Treasurehunter on 28/11/2020 - 22:14

        Me too yesterday..

        • amitrd on 28/11/2020 - 23:07

          Same here!! Created account to shop on Amazon! The link does not show any token (tried to find through 'inspect' in Chrome). Hopefully, they will credit $ 15 in all the new accounts.

    • 424242 on 28/11/2020 - 22:38

      Same. Made one yesterday for the Amazon 10% back :/

      think they'd honor it if we asked?

    • spackbace on 29/11/2020 - 01:17
      -1

      Not to mention the $10 referral link as well… Sure, got $50 through Amazon but $60-65 is better!

    • dorikin on 23/12/2020 - 11:08

      I just checked my account and realised they credited me the $15 even though I didn't go through that promo link ;)

      • kyle on 23/12/2020 - 12:39

        And already spent at Amazon

  • Moo Deng on 28/11/2020 - 21:47
    +5

    One thing I am not sure about is that the sign up link on https://zip.co/promotion/activate-15 just takes you to https://zip.co/create-an-account to create the account (which is the general sign up link)

    So how do they track whether you signed up via https://zip.co/promotion/activate-15 or not, since no code is needed to be entered?

    Or potentially everyone who has signed up since the 23rd Nov as a new customer is eligible?

    • kyle on 28/11/2020 - 21:53

      Here's hoping. I'm waiting for Amazon to debit the zip account.

      • kyle on 22/12/2020 - 05:18

        Looks like my $15 has just come through on my account! Yay!

    • lml on 28/11/2020 - 21:56
      +4

      There should be a tracking token within the link. It may be hidden but they very much exist. Similar to cashback sites when they redirect you to an external website.

    • easylife on 29/11/2020 - 02:58

      I signed up via referral link and will ask them about the activate deal, i was assuming that all new customers between the period that signs up with either zip money or zip pay accounts are eligible.

      • easylife on 29/11/2020 - 03:28

        The terms and conditions are confusing.

        No promo code is required to claim the offer. Should any eligible transaction be refunded the applicable credit back will be adjusted in accordance with your refund.

        Apply for a Zip Pay or Zip Money Account for the first time (“Zip Account”) via the link https://zip.co/promotion/activate-15 and be approved for the Zip Account in accordance with our approval criteria (“New Customer”)

        So do we need to signup with the promotion link? Then that would make referral 10$ not eligible.

        I sent a ticket regarding this matter.

        • cjchristopher on 08/12/2020 - 14:05

          Did you by chance get a reply yet? I used a referral code as well not realising I wouldn't receive both.
          I have received the $10 from the referral code, but not the $15 on this promotion - so perhaps it was one or the other - would have been nice for Zip to clarify!

  • PvsNP on 28/11/2020 - 22:19

    How is NAB straight up?

    • plmko on 28/11/2020 - 22:54

      Terrible value.

  • Ebaygiftcards on 28/11/2020 - 22:27

    Website down? Or is it just my side?

    • Moo Deng on 28/11/2020 - 22:43

      Working here

  • eggaz on 28/11/2020 - 22:47

    The $15 discount will allow you to use the service as an Afterpay and pay over two months @ $6 per month account fee and total discount of $3, you save $15 only if you pay the balance right away.

    • Koipanda on 28/11/2020 - 22:50
      +18

      what ozb doesnt pay the balance right away

        • henryph-am on 28/11/2020 - 23:41
          +5

          @hollykryten I’m only in for the discount/offer but definitely not for the pay after aspect 😂😂😂

        • Feeblely on 29/11/2020 - 01:49
          +2

          This is ozbargain…. we get excited over free udemy course and mcdonalds hacks, you think anyone here actually pays the monthly fee lol?

    • Miss B on 28/11/2020 - 23:18
      +7

      You need to pay the balance by the end of the following calendar month, so if you buy in November you need to pay by the end of December to avoid the fees.

      • cloudy on 29/11/2020 - 08:44
        -2

        Isn’t there a monthly fee for positive account balance end of every month? So, I bought Black Friday stuff and end of Nov i will pay $6 if on Monday if I don’t pay it off.

        • ATangk on 29/11/2020 - 08:53
          +1

          Read the FAQ’s.

          • cloudy on 29/11/2020 - 08:55
            -1

            @ATangk: $6/month waived if you have no balance. <— straight from zip home page.

            Reads to me what I assumed.

            • ATangk on 29/11/2020 - 08:58
              +2

              @cloudy: Couldn’t even read the first item in the FAQ? You have a months grace period.

              Your Zip Pay account has a monthly account keeping fee of $6. However, this is only charged when you have an outstanding balance at the end of the month.

              You'll receive a statement with the closing balance of the month on the 1st day of the following month. You have until the end of the month to pay off your balance for the account to remain fee-free.

              For Example: If you make two purchases in February, you'll receive a statement on the 1st of March showing how much you owe for these two purchases. You'll then have until March 31st to pay this amount without being charged the $6 account keeping fee. If you do not pay the statement balance in full by the 31st of March, a $6 monthly account service fee will be charged on the account on the 1st of April.

              • cloudy on 29/11/2020 - 09:08
                -1

                @ATangk: So what happens if you purchase in March? You can pay your feb purchases but still have a outstanding balance because of March purchases. Thus, first line will apply. “ charged when you have an outstanding balance at the end of the month.”

                • Miss B on 29/11/2020 - 09:40
                  +1

                  @cloudy: I think it's best if you don't get a Zip account, or get someone to help you with the terms and conditions before signing up.

                  • cloudy on 29/11/2020 - 16:06
                    -1

                    @Miss B: Or I just pay it off right away, which is what I do. I sign up for the offers, not coz I can delay payment of things for a few days/weeks. Time value of money is pretty much zero.

  • HughinVestor on 28/11/2020 - 23:34
    +3

    hey! would anyone happen to know if this will work with the 10% cashback on Amazon using ZIP?

  • worrierwan on 29/11/2020 - 00:04

    I finally caved into applying for it after this… thanks Ozb and amazon

  • shanlee on 29/11/2020 - 00:10

    Does buying a $50 gift card in zip pay site be eligible for to get this $15 credit?

    • godzilla123 on 02/12/2020 - 10:08

      Successfully complete a transaction of $50 AUD or more instore or online using your Zip Account.

      I dont see why it wont?

    • godzilla123 on 09/12/2020 - 15:57

      Got my credit

      • avitherock on 26/12/2020 - 10:19

        How long did it take?

  • RHSteven on 29/11/2020 - 00:41

    Would this apply with the 20%cashback appliance online.

    • Maxdax on 29/11/2020 - 09:25

      Can’t see why it won’t

  • abadacus on 29/11/2020 - 00:46
    +1

    Should stack with the Zip/Amazon 10% off promo right?

    • Graffin on 29/11/2020 - 17:23
      +1

      That's what I wanna know.

      I bought a $50 Amazon Gift Card using the Amazon App and my new Zip Account, I got the $5 back virtually straight away, will I still get the $15 for signing up to Zip within 14 days and spending $50 (essentially making the cost of the gift card $30)?

      The weird thing is, I received a statement from Zip that my next payment of $20.00 is due in 4 days (Dec 3rd). After the $5.00 showed up from the Amazon 10% off promo, it now shows I spent $45.00.

      I can see why others are confused with the way Zip Pay works.

      I guess i'll wait out the 14 days then pay off whatever balance there is in full to avoid the $6 fee and any other fees there may be.

      :o/

  • takuarc on 29/11/2020 - 18:22

    Damn, didn’t see this when I signed up for the 10 percent Amazon deal… I guess I can get my wife to sign up too lol

  • eighty8 on 30/11/2020 - 01:11

    Hi guys, Appliances online have 20% of (up to $120) if you pay with Zip. I think deal ends today. Can possibly combine with this deal. Also they have $10 off first order if you sign up to their weekly hot offers

  • MagicTsukai on 30/11/2020 - 09:30

    Hey guys I just signed up to zippay. Will this look bad on credit history of I am looking to get a home loan in the future?

  • blewey on 30/11/2020 - 12:11

    Does this still work with the refer-a-friend link?

    • Moo Deng on 30/11/2020 - 14:48

      I would say no, you have to use one or the other

      • kgree92 on 30/11/2020 - 15:25

        Refer perhaps is better as both get $10 each

  • abadacus on 30/11/2020 - 17:22

    Anyone receive their $15 credit for purchasing amazon gift cards?

    • dny on 06/12/2020 - 23:12

      I am also curious about this as I'm looking to purchase ebay gift cards.

      But it hasn't even been 14 days since the post went up so I'm guessing the cash backs haven't starting flowing yet?

  • Moo Deng on 02/12/2020 - 23:26
    +1

    How does one obtain their referral code?

    I have downloaded the app, gone to Settings, it says "Invite a friend and earn $10 credit", click on that and it asks for access to my contacts? Where do I find the referral code?

    Thanks :)

    • charmed_tiger6 on 03/12/2020 - 11:31

      I am struggling to work this out also. I can only figure out how to send an email but the link does not look like a simple referral code to put on to Ozbargain…

  • aiyoyo on 05/12/2020 - 18:21

    Can use credit card to pay the ZIP balance?Anyfees?Gain reward point with credit card?

    • Master Bates on 05/12/2020 - 20:54

      That is a question for your card provider, it can vary widely.

  • Moo Deng on 07/12/2020 - 16:55

    Got my $15 today from this promotion, woohoo!!

    • MiscOzB on 07/12/2020 - 23:45

      From Amazon gift card? Still waiting for mine.

  • techlead on 09/12/2020 - 11:53

    I'm abit confused about the $6 account fee. It says its waived if there's no balance, does that mean its only waived if I didn't use the account in the last month? If I used it, but paid the balance in full, will I still be charged that $6 account fee?

    • dorikin on 09/12/2020 - 14:33

      you won't get charged if you paid off the balance in full. you have until the following month to pay it off and if you have $0 balance, the fee will be waived

      • techlead on 09/12/2020 - 18:08

        I see, so as long as I pay the statement off in full, I wouldn't be charged the $6 fee.

        That's not very clear on the website. If I'm using the account every month, my balance will never be $0 even if I pay it off in full.

  • Clarky77 on 10/12/2020 - 15:58

    Does this offer stack with referral code? & Does this automatically apply or does it need to be activated or opened through this specific link? I'm always wary of the fine print on these deals lol
    Thanks OP this is a pretty good one :)

  • Jaystea on 12/12/2020 - 16:25

    Signed up but forgot to do referral or codes…anyway to retrospectively add this? I haven’t used tap to pay yet.

  • bwatt72 on 18/12/2020 - 23:40

    I just joined zip pay and did through the link not knowing what to expect. I went back then closed it down and clicked on link again and it took me straight to the same part paypal or facebbok or bank not sure what to use i went with paypal.
    So im hoping i still was active in the link, do you get any notification that you took part in this or just have to wait once you use it and see if you get the $15 back.
    And did it take 14 days or instant.
    I might be planing to use zip tomorrow but was curious how quick it was received.

  • 28kb on 19/12/2020 - 12:30
    +1

    Does this stack with the 10% on saturdays?

    • Moo Deng on 19/12/2020 - 21:07

      Sure does

  • peso255 on 22/12/2020 - 11:24
    +1

    Haven't gotten my credit back despite making my first transaction on Amazon to take advantage of that 10% back. Issue was that the purchases were billed separately despite purchased together since they ship separately, making two separate transactions of ~$10 and ~$100, in that order.

    CSR said I did not qualify based on their interpretation of

    complete your first transaction of $50 AUD or more within the Offer Period

    to be "your first transaction has to be >=$50", instead of "make at least one transaction of >=$50 before offer period ends", but escalated it to accounts team to see what they think. Shitty since I made the purchase together and it wasn't my choice how Amazon bills it.

    • Master Bates on 22/12/2020 - 12:29
      +1

      You’ll be fine, just keep pushing them nicely and they will credit you.

      • Smallman on 23/12/2020 - 21:33

        Yep, they are quite easy to talk, just mail them

      • peso255 on 24/12/2020 - 18:44

        Thanks. They credited $15 as a gesture of goodwill.

        • Chicky on 26/12/2020 - 09:39

          how did you get the $15? did you contact zip? since ive been waiting for 3days. thanks

    • xdivino on 26/12/2020 - 12:56
      +1

      Been over 3 weeks now so i'll have to e-mail in as well, bit dissapointed they didn't just apply it. But I did a cafe purchase first then coles shop at over $100, i'll be a bit upset if they hold firm that the frist transaction needed to be over $50, wasn't really clear.

  • Aemit on 23/12/2020 - 12:18

    where can i find my referral link

  • Homr on 27/12/2020 - 14:11

    First time using zip to take advantage of the $15 cashback, bought myself a 1650 from Mwave

    https://www.mwave.com.au/product/gigabyte-geforce-gtx-1650-d…

    Does anyone know paying off your zip balance using Credit Card will be cash advance?

    Thanks.

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