Where can I shop with no fees or lower fees?
You can shop with no fees at thousands of stores via the Zilch app.
How it works
There are thousands of stores in the app with no fee when you Pay over time – just search in the app to find our no-fee retailers.
And for lower fees on the stores that do, you just need to enable your card in the app before you check out.
We’ll always tell you if there’s a fee before you checkout. You’ll never be caught off guard.
Can I Pay now with no fees?
Always. Pay now purchases never have fees.
Plus, when you Pay now, you’ll get up to 5% back in Rewards on every shop – just make sure you enable your card before you check out.
What if I can’t find the store I want in the app?
If the store you want isn’t available via the app, you’ll be charged a fee to Pay over time. You can still spread the cost of the purchase using Zilch Anywhere and the fee you pay will be based on the purchase amount. As always, we’ll always show you the fee amount before you checkout so you know exactly what to expect.
TL;DR
Find thousands of no-fee stores via the Zilch app
You’ll never pay a fee when you Pay now
We’ll always show you any fees up front before you checkout
Shop via the app and enable your card in the app to maximise Rewards