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Is Zilch a credit card or a debit card?
Is Zilch a credit card or a debit card?

Zilch acts like a credit or debit card.

Updated over a week ago

Zilch is a virtual card that can work like a debit card or a credit card.

How Zilch works like a credit card

When you use Pay over 6 weeks or Pay over 3 months, you'll pay either 25% or 50% of the total at checkout, and the rest over three instalments. So, you can buy something today and pay for it over time, like a credit card.

How Zilch works like a debit card

Make a Pay now purchase and you'll pay 100% of the purchase price at checkout โ€“ we'll collect the amount straight away from your linked debit card.


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