Payment
Options

We accept:

Officeworks gift card Visa Mastercard American Express Diner's Club PayPal Afterpay Zip UnionPay 30 Day Business account Latitude
Zip Afterpay

Buy Now. Pay later.

Zip pay For purchases up to $1,000
Account limit Up to $1,000
Minimum purchase No minimum. Max $1,000
Interest free period Always interest free^
Set up fee No set up fee
Minimum repayments $40/month
Payment frequency Weekly, fortnightly and monthly
Account fee $9.95 monthly account fee applies, waived if you have no outstanding balance
Late fee Learn more about Zip Pay late fees here

Gift cards are unavailable to purchase with Zip Pay

^Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charged may be payable. T&Cs apply

Zip pay
Account limit: No minimum.
Minimum purchase: No minimum
Interest free period: Always interest free^
Set up fee: No set up fee
Minimum repayments: $40/month
Payment frequency: Weekly, fortnightly and monthly
Account fee: $6 monthly account fee applies, waived if you have no outstanding balance
Late fee: Learn more about Zip Pay late fees here

Gift cards are unavailable to purchase with Zip Pay

^Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charged may be payable. T&Cs apply

No interest for 12 months on purchases over $1,000, 6 months interest free for under
Zip moneyFor purchases over $1,000 Afterpay Latitude
Account limit Up to $10,000 Up to $3,000 Customer dependant
Minimum purchase $50 No minimum $1,000 for 12 month interest free plans.
$1,500 for 24 months interest free plans
Interest free period $1000Always interest free 12 and 24 months
Set up fee Variable 0-$99 No set up fee No set up fee
Minimum repayments $40/month or 3% of owing balance
(whichever is greater)*
Your owing balance divided by 4 Your repayments for your interest free plan will depend on the option you choose:
Equal monthly: you will need to pay the amount of your purchase divided by 12 or 24 months.
Minimum monthly: you will need to pay the amount advised to you by Latitude when you complete your purchase. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan.
T&Cs, fees, charges & exclusions apply. Available from Latitude on participating credit cards.

See full disclaimer in terms & conditions section below

Payment frequency Weekly, fortnightly or monthly Fortnightly Fortnightly
Account fee $9.95 No account fee $10.95 (subject to change by Latitude)
Late fee Learn more about Zip Money late fees here Learn more about Afterpay late fees here Learn more about Latitude late fees here

Gift cards are unavailable to purchase with Zip Money Afterpay and Latitude

*Available for approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).

† Minimum spend applies. Monthly payments required.T&Cs, fees & charges apply. Exclusions may apply. Available from Latitude on participating credit cards
12- & 24-month Interest Free (Minimum Monthly): Minimum spend amounts differs across promotional plan terms *Approved customers only. Monthly payments required (exact amounts specified in your statement). Minimum spend applies to different plan term(s): minimum spend $1,000 for 12 months and $1,500 for 24 months. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
12- & 24-month Interest Free (Equal Monthly): Minimum spend amounts differs across promotional plan terms. *Approved customers only. Equal monthly payments required (exact amounts specified in your statement). Minimum spend applies to different plan term(s): minimum spend $1,000 for 12 months and $1,500 for 24 months. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. If you fail to make your minimum monthly payment for two consecutive months, you agree that your equal monthly payment plans (Instalment Interest Free Promotion) with a term of fewer than 33 months will change into a minimum monthly payment plan (Interest Free Promotion) for the remaining duration of the initial plan term. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.

Zip money
Up to $10,000
Minimum purchase: $50
Interest free period: No interest for 12 months on purchases over $1,000.
6 months interest free for purchases below $1000.*
Set up fee: $25
off fee added to your balance
Minimum repayments: $40/month or 3% of owing balance
(whichever is greater)*
Payment frequency: Weekly, fortnightly and monthly
Account fee: $6 monthly account fee applies,
waived if you have no outstanding balance
Late fee: Learn more about Zip Pay Money fees here
Afterpay
Account limit: Up to $3,000
Minimum purchase: No minimum
Interest free period: Always interest free
Set up fee: No set up fee
Minimum repayments: Your owing balance divided by 4
Payment frequency: Only fortnightly
Account fee: No account fee
Late fee: Learn more about Afterpay late fees here
Latitude
Account limit: Customer dependant
Minimum purchase:
$1,000 for 12 month interest free plans.
$1,500 for 24 months interest free plans
Interest free period: 12 and 24 months
Set up fee: No set up fee
Minimum repayments: Your repayments for your interest free plan will depend on the option you choose:
Equal monthly: you will need to pay the amount of your purchase divided by 12 or 24 months.
Minimum monthly: you will need to pay the amount advised to you by Latitude when you complete your purchase. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan.
T&Cs, fees, charges & exclusions apply. Available from Latitude on participating credit cards.

See full disclaimer in terms & conditions section below

Payment frequency: Fortnightly
Account fee: $10.95 (subject to change by Latitude)
Late fee: Learn more about Latitude late fees here

Gift cards are unavailable to purchase with Zip Money and Latitude

#Available for approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).

† Minimum spend applies. Monthly payments required.T&Cs, fees & charges apply. Exclusions may apply. Available from Latitude on participating credit cards
12- & 24-month Interest Free (Minimum Monthly): Minimum spend amounts differs across promotional plan terms *Approved customers only. Monthly payments required (exact amounts specified in your statement). Minimum spend applies to different plan term(s): minimum spend $1,000 for 12 months and $1,500 for 24 months. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.
12- & 24-month Interest Free (Equal Monthly): Minimum spend amounts differs across promotional plan terms. *Approved customers only. Equal monthly payments required (exact amounts specified in your statement). Minimum spend applies to different plan term(s): minimum spend $1,000 for 12 months and $1,500 for 24 months. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. If you fail to make your minimum monthly payment for two consecutive months, you agree that your equal monthly payment plans (Instalment Interest Free Promotion) with a term of fewer than 33 months will change into a minimum monthly payment plan (Interest Free Promotion) for the remaining duration of the initial plan term. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.