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Get 10% Cashback Every Saturday in December (Max $30 Back Per Transaction) Using Tap & Pay @ Zip


There seems to be a lot of confusion based on the comments so let me try and clarify how this works:

  1. Sign up to Zip Pay. Not Zip Money. You can use the 'Related Offers' at the bottom of this description for new signup options. Note that you must provide your email address or phone number if you want a referral, there’s no referral link and you can’t be referred without that info!
  2. Download the Apple or Android app and sign in with your details. You will need a smartphone with NFC.
  3. Go to the "Cards" tab within the Zip app. Click on Add to Apple Wallet (or Google Wallet if using android).
  4. Go to any store that accepts tap & go on credit/debit cards. Do not ask if they accept Zip Payment as this is a separate payment method.
  5. Purchase anything (any gift cards, services, goods, literally anything) and checkout with Apple Pay or Google Pay by tapping your digital Zip card on Saturday. Do not spend more than $300 in one transaction if you want to maximise your benefit as you won't get 10% back above $300!
  6. You should see the rewards balance reflected under "Rewards" within the "Your Zip" tab of the app immediately.
  7. Once you have reached $30 in credit, click on the redeem button to apply the credit to your account.
  8. Pay off your Zip account by linking a credit card to earn points and defer payment (The screen says debit card but many have confirmed credit cards to work as well - Amex will not work). It takes 3 days for processing payments to finalise and you cannot make additional payments sooner than that.
Things to note:
  • Applying for a Zip account will trigger a credit check.
  • Redeemable once you've reached $30 in credit (I.e. Min spend $300)
  • Rewards balance will continue accruing even if you don't redeem $30.
  • There's no daily limit. The only limit is your credit limit.
  • Apple Pay and Google Pay don't have a $100 tap and pay limit like normal cards. The limit is unlimited since you biometrically authenticate yourself at the time of payment.
  • You cannot prepay your zip account via BPAY so that it goes into credit. I contacted Zip and they informed me that since they’re not a bank they’re not allowed to hold deposits. If you prepay your account you will be breaching their T&Cs and your account may get blocked. It will take a few days to unblock. Do so at your own risk, some have reported success while others have confirmed they got blocked.
  • You cannot make payments online.
  • Max $30 back per transaction.
  • Excludes Westfield gift cards purchased from Westfield
  • On days other than Saturday, you can still earn 3% or 5% cash back that will accrue towards your rewards balance.
  • Within a twenty-four (24) hour period, you (a) are limited to redeeming your Reward Goal eight (8) times, and (b) will not earn any further credit back if you spend $4,000 or more.
  • 10% back on Super Saturdays will override all other cashback offers with lower % back.
  • By end of 8 January 2021, any credit back that has not reached the Reward Goal will be cancelled.
Other giftcards worth considering Store Normal discount New discount
Woolworths giftcards Woolworths ~5% 10%
Coles giftcards Coles ~4% 10%
Costco giftcards Costco 0% 10%
$100 Aldi giftcard Aldi 0% 9.5%
$100 7/11 giftcard 7/11 0% 10%
$500 EFTPOS giftcard and Only 1 Visa giftcard - Variable Load* Woolworths -1.6% 8.6%
$100 Amazon giftcard AusPost/711/BP/ United/Freedom/Newslink ~5% 10%
$100 giftcards (Only via Prezzee app paying with Apple Pay - At your own risk) Prezzee 0% 10%

*$7.95 purchase fee on activation. Benefit is maximised when you purchase a $500 giftcard + $7.95 fee (pay via split payment of $300 and then $207.95). If you purchase less than this your discount will be less.

12/12/2020 Deals Store Sale discount Stacked discount Comment
Him/Her/Teen/Google giftcards Woolworths 10% 19% $100 card for $81
$20 Netflix giftcard** Coles 25% 35% $20 Netflix card for $13
$50 Swap Celebration giftcard** Coles 10% 20% $50 Swap card for $40
$100 Her giftcard** Coles 5% 15% $100 Her card for $85
iTunes giftcard*** Big W 15% 23.5% $100 iTunes card for $76.5
Nintendo eShop Big W 10% 19% $60 card for $48.6

**Flybuys account required. Only one 1,000 point redemption per account (equates to $5).
***Price beat at officeworks to get this at 27.325% off, or $72.68 for $100

19/12/2020 Deals Store Sale discount Stacked discount Comment
$50 Netflix giftcard** Woolworths 10% 20% $50 Netflix card for $40

** Everyday rewards required. (Possibly) only one 1,000 point redemption per account (equates to $5).

26/12/2020 Deals Store Sale discount Stacked discount Comment
Kogan Mobile BOGOF plans Kogan Mobile 50% 55-57% Use AmEx offer and combine with giftcards to get between 56.3% and 56.6% off. If no AmEx offer, then you can get ~54.8% off if using just giftcards (in lots of $50) provided that you can split the cost of the plan with someone else. Use classifieds if interested in sharing.
JB Hi-Fi Boxing Day sales JB Hi-Fi - - -

Related Offers:

$15 Zip Credit ($50 Min Spend, New Customer)
5% Cashback (up to $30) When you Tap and Zip (Minimum Spent for Period $600) - Targeted
3% Cashback (up to $30) When You Tap and Zip (Minimum Spend for Period $1000)
Referral Randomiser Below ($10 for referrer & referee)

Referral Links

Referral: random (426)

$10 for referrer & referee, if referee applies for account within 14 days of invitation and completes a transaction within 14 days of account approval. Those wanting a referral should PM users their email or phone number, to be sent an invite. You may like to PM a few members to avoid waiting. Users receiving a PM for a referral should send an invite to that member's email or phone number. Once you have received an invite, you won't be able to be invited from other members.

This is part of Boxing Day Sales for 2020

Related Stores


closed Comments

  • +1

    I imagine it will work for Apple Pay online purchases too. The 3% one does anyway (and it also species in the T&C's that it must be made in-store).

    • Oh it does? Idk if it is worth the risk to do so though.

      • I tried it with 3% and it worked.

    • Doesn’t work with the 3% I’ve tried so assume it’ll be the same here.

      • Odd it worked for me, but that was back on the 16 Nov.

        • Yeah correction. It worked. Just took a while.

          I expect Gift Card providers online will flag multiple transactions online though and might not process until the next week. So best to do in store so the payment is instant.

    • no it doesn't

    • They will reveres if it is detected as an online payment
      it will show in your rewards but be reversed… i had one from week 1 reversed on Thursday this week (xmas eve )
      when i contacted them they were explicit it needs to be tap and pay

  • +1

    My phone doesn't have NFC, how do I use this tap and go?

    • +8

      get a new phone.

      • +15

        But I need this 10% to get the phone hahaha

        • Just steal the phone, it's free.

        • I remember when Commbank would send you a NFC sticker to put on your phone so that you could use Tap and Pay if your phone did not have NFC.

        • Or one of those fancy watches which have NFC :)
          I wasn't a fan of NFC and never used it (even though my phone had it). I started to use GPay due to this Zip promo and I think I like the idea of not getting out my wallet (though the fear of phone slipping at drive-thru windows and cracking due to fall is very real for me).

      • 😂😂

        Do Pixel 2 have this feature? I did wanna buy a discounted 10% The Iconic card, so this would give me an extra 10% off!!

        It credits your account like a cashback business?

        • Yes. Pixel 2 has G Pay

  • +1

    Can I pay my balance with gift card? lol

  • +2

    Since there is no cap, might go out and buy many lots of $300 of Amazon gift cards. Those are never at 10%.

  • Does anyone know if the Zip rewards is capped at $30 or if it will roll over.

    i.e. if I currently have $10 in rewards, and buy $300 GC tomorrow, will I only get to 'redeem' $30 and have the balance reset to $0 or will I get to redeem $30 and have it roll over to $10.

    • can't you but $200 first, claim the $30 and buy more?

      • If I had such a nice rounded number I would… Will find out tomorrow anyways.

        • lol my current rewards is $0, so would be easy for me.

    • I did and it has rolled over to another $30

    • It rolls over. That’s seperate from only being able to earn up to $30 per transaction.

  • Just downloaded the app, where can I find this offer?

    • 2nd tab on the bottom. Zip Rewards.

      • Thank you!

      • +1

        My 2nd tab is "My ZIP", it does not show my rewards there. Any idea?

  • +4

    You can buy those gift card with 10% at big W and pay with zip and get an extra 10%


    • +1

      Assuming there are any left…

    • 20% at JB HiFI is pretty good!

      • +1

        Being a tad pedantic, but it'd be 19% off.

        Consider this example:

        • Original price: $100, 10% off = $90
        • 10% off $90 is now $81, not $80, because the 10% is now calculated using the $90
        • The Big W deal isn't 10% gift cards, it's buy a specific $50/$100 gift and get 1000/2000 reward points which equals $5/$10 in Woolworths vouchers. So with a $100 gift card purchase you will get $10 off with Zip pay and a $10 off Woolworths spend.

          • @bsm2122: Ah ok, in that case I stand corrected.

            The only way in which I could still be almost correct then is if you consider $10 off your Woolies spend to be "worth" $9.50 in real terms given you used to be able to buy WISH eGCs at 5% off (+ earn a small amount of points), but since that's no longer a thing, I definitely can't use this as an out anymore hahaha.

          • @bsm2122: It's 10% instant discount, no rewards this time, and even saw it today on Woolworths ..

            10% discount on selected gift cards…

          • @bsm2122: I am talking about Him/Her GC - pay $90 for $100 credit

    • I'm be happy if I can buy two lots of 300 and get the $60 discount plus the extra 10% off JB would be $120 discount offer PS5 next year at some stage which would be pretty cool

    • Hold up, OP's description says min. $300 spend.. so does that mean we have to spend $300 worth on cards?

      • +1

        no, it's maximum. meaning even if you spend $500, you still get $30 cashback not $50

        • but I need to spend $300 to even get a redemption? Dunno if it expires if I don't reach that amount..

  • Is that means if I go to Woolworth and buy 5x $200 eBay gift card. And pay by 5 transactions. I will get 5 x $20 back ? So 10% off eBay ?

    • if you want ebay, goto big w, they have 2000pts/ $100 (swap card:redeem to ebay ), you get double dip. equal to 19% or 20% off

      • Hmm… This or amazon GC then. I reckon the amazon GC can wait for a week

        • yes, bigw only last one week, but may be hard to find stock right now. i have't check my local store.

          • @ce5himm: People were too focused on the Him/her cards, hopefully forgot about these ones.

            • @ATangk: let see
              T&C says exclude westfild gift card.
              meaning all other gift card should be eligable?

              • @ce5himm: I bet it can only exclude Westfield Concierge locations, but not other stores.

                • @Neoika: Yes it's been confirmed by people from zip. Not sure about Concierge. I won't touch anything Westfield. Already too many cards need to stock

                  • @ce5himm: Without any bonus offer, Cole Group & Myer Giftcard is the best option coz it can be used to purchase other on sale giftcard in future.

                    • +1

                      @Neoika: Depend on you needs. Everyone is different. To me, I buy a lot from Amazon. And don't really buy many from Myer/ coles. Even BP giftcard is more useful than coles to my use.

                      • @ce5himm: I just added an important reason to the above comment.

                    • @Neoika: Cole Group & Myer Giftcard is the best option since less channels you can get Coles giftcard now. AGL has removed Coles giftcard now.

                      Suncorp has 3% discount for Coles giftcard and probably the only best channel for now.

                    • @Neoika: Do you what denominations they have for Coles Group & Myer Giftcard? Thank you very much.

                      • @apple0604: From $5 or $10 up to $500, but you choose up to $300 on one card.

                        • @Neoika: Ok thanks. So I can set the value at checkout, am I right? Can we get them at Coles or Woolworths?

  • +2

    This is great for Bunnings GCs that you can barely normally get more than 2% off

  • +2

    looks like targeted, my offer is 3% back this Christmas

  • +1

    Gift cards are ideal for retailers, but void cashback for most online retailers even tho Amazon CB is crap most the time

    I'm tempted by the jb, 10% plus 10% ideal to buy a PS5 next year when in stock at 20% discount

    I guess I'm hitting bigw every Saturday for a few weeks!!!

    • amazon/ ebay are fine with giftcard payment for CR. never had any problem with those two

    • You'll only have tomorrow actually.

      10% Off Selected Gift Cards
      Offer ends 09/12/2020.

      • Am I missing days here? I thought today was 4/12 which means we still have 5 more days

        • +1

          Tomorrow being the only Saturday to get a further 10% off.

  • For me, it shows 3% cashback

    • saturday

  • Would this work with Austpost Prepaid Visa Card?

    • It's not excluded so probably lol

  • Should this be marked as TARGETED? As I am not seeing it on my app anywhere.

    • Maybe they will update later or tomorrow. I can not see any "selected customer" or something like that in the TnC

      • Thanks, I'll check back later.

        • It is not targeted, as it shows when you press the rewards bar, under "how to earn".

    • Same here, cant see on my zip app

  • So basically do max transaction of $300 and then rinse & repeat?
    I am planning to buy Macbook Air M1 but it seems to be out of stock at JB. Any experts know if this might come on 10% sale at JB (similar to black friday) this month or next? (need it for next school year). Alternatively - will JB match Apple student advantage price (in case it's cheaper there - just looking for base 8 GB / 256 GB model)

    • +1

      Just buy Apple Store gift cards then buy on line Apple student edge store and checkout with the gift card

      • That's a good idea in case I don't get the TCN For him/for her GCs which are 10% discounted at BigW. Thank you for the suggestion.

        • stack the 10% off gc for with the 10% cb.
          makes it even better than the 15% off coles did for black friday got damit brought it prematurely

          • @jwsc: Yes that's the plan. Risk is I won't find any in stock tomorrow. I missed out on Coles sale as well. I hope you bought it using Zip tap for 3% CB so you lost out 2 %

            • +1

              @bajirao: we managed to find the kids and teens still, and since we mainly wanted it for the JB HI-FI part, didnt really make much difference for us
              yeah i did use it with the 3% but still =[

    • It's in stock. just look for it.

      • On website showing none within 300 kms of Brisbane

        • +1

          Yes but that's website. call up stores, sales agents want to hit their targets. There has to be jbhifi staff in brisbane on ozbargain that can hook you up.

          • @sunnyc: Cool. Thanks for the tip. Will try it.

  • I'm not a zip member yet, so maybe it's for new users? No idea

    It's $30 per transaction, so I can buy $750 in gift cards in 1 day but do 3 seperate transactions?

    May have to do some ringing today to see who actually has stock, and then decide to head where they got more stock lol

    • Someone raised concerns about the max limit for Zip.

    • +1

      You'd have to be a Zip member to get the card (be sure to use one of the referrals from Ozbargain for another $10 off)

  • I don't have a zip pay account, if I apply today can I use it tomorrow?

    Does the application of zip pay generate a credit enquiry?

    What is the difference between zippay and zip money?

    • You can apply today and Zip will be available tomorrow.

      The application will probably generate a credit enquiry (I'm not sure though)

      Zip money gives you a higher credit limit, but you pay upfront for the privilege.

      • +4

        Hey, Mac from Zip here.

        Application takes about 3 minutes and is available instantly, creating the card and pushing to Apple Pay / Google Pay takes under a minute as well.

        We credit check all new customers. A single credit check likely won't affect your credit score, many credit checks in close succession more likely would.

        Zip Pay vs Zip Money here - https://zip.co/how-zip-works


        • Hey Mac from Zip. Can you confirm whether this 10% off on Saturday's is for all zip customers or only targeted at those its showing on their account?

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