Zip Money has both 6 months interest fee (no minimum spend) and 12 months interest free (minimum spend of $1000) available at Officeworks. After the interest free period, an annual rate of 25.9% is charged on the outstanding balance. There is a one off establishment fee of up to $99 (based on your approved credit limit) for Zip Money which is added to your balance and a $9.95/month account fee, waived if you have no outstanding balance. Zip Money may also charge a late fee of $15 when you have not made a repayment after your contractual due date. The minimum monthly repayment is $40 or 3% of the total owing balance (whichever is greater).