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3 Months Free Trial of Afterpay Plus (Ongoing $9.99/Month) @ Afterpay (New Eligible Afterpay Plus Subscribers)

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3 Months Free Trial of Afterpay Plus (Ongoing $9.99/Month) @ Afterpay (New Eligible Afterpay Plus Subscribers)
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nignucial on 28/08/2025 - 15:09 afterpay.com (1732 clicks)
Last edited 28/08/2025 - 15:19 by 1 other user

So basically you can split your payment in 4 almost everywhere! (as soon as they accept cards)

For a limited time only try Afterpay Plus on us. Tap & go almost anywhere Apple Pay, Google Pay, and Samsung Pay is accepted. Renews at $9.99 per month. Promo terms apply.

What is the Afterpay Plus promotion?

Newly approved Afterpay Plus subscribers will get their first 3 months of Afterpay Plus free when they sign up during the promotion period.

Check the Afterpay app for eligibility dates - the offer will be displayed in a promotional banner until the promotion ends.

After your free 3-month period ends, your Afterpay Plus subscription will automatically continue at the regular monthly price of $9.99. You can cancel your subscription at any time.

Who is eligible for the promotion?

The promotion is available to new eligible Afterpay Plus customers who upgrade to Afterpay Plus within the Afterpay app during the promotion period. Standard eligibility criteria for Afterpay Plus applies.

How do I claim the 3 months free?

You can apply for the offer via the Afterpay app. You should see a banner to apply to subscribe to Afterpay Plus within the My Afterpay tab within the app. The promotion will be automatically applied when you subscribe - there is no code required.

Why can’t I see the offer in the app?

This promotion is only available to new eligible Afterpay Plus subscribers who have never had an Afterpay Plus subscription before. Standard eligibility criteria for Afterpay Plus also applies.

Afterpay Referrals

Referral: random (507)

Referrer and Referee receives $30 off next eligible Afterpay purchase of $50 or more. Maximum of 15 referrals per customer.
Please private message a user and ask for their referral link from their app, you will need to use the app to sign up. The links can change so re-check every time someone asks for your link.

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closed Comments

  • HD9990 on 28/08/2025 - 15:11
    +3

    So basically you can split your payment in 4 almost everywhere! (as soon as they accept cards)

    why don't I just use cards?

    • nignucial on 28/08/2025 - 15:12
      +32

      Why not keep kicking the can down the road?

      • YoursTruly on 28/08/2025 - 16:28
        +1

        Why don’t we?

    • shap08 on 28/08/2025 - 15:13
      +11

      Its card inceptions, you use a card inside a card. So its pay in 8 🤯

      Credit card -> Step pay -> Afterpay

      • bxpressiv on 28/08/2025 - 15:48
        +49

        For $19.99pm I'm starting this payment platform called BeforePay, where you pay for an item in full before you get something. I think it will revolutionise the industry, real game changer.

        • Switchblade88 on 28/08/2025 - 15:52
          +4

          No way! I just… give money to somebody and then they provide a good and/or service, with no middle man? Count me in!

        • quokked on 28/08/2025 - 16:01
          +2

          There actually a Beforepay which is a Payday Loan provider.

          Beforepay/ Afterpay Combo D:

        • McFly on 28/08/2025 - 16:49

          Is the $19.99 post-pay or pre-pay?

        • YoursTruly on 28/08/2025 - 17:35
          +1

          That is…something

          Way better than NowPay

        • dbnewman89 on 28/08/2025 - 17:40
          +2

          Fun fact, Up Bank did exactly this… but no upsell lol https://australianfintech.com.au/up-launches-maybuy-a-saving…

        • SarcasticEmu on 28/08/2025 - 18:03

          You're insane. That will never catch on.

      • BargainBuddy on 29/08/2025 - 00:04

        How do you pay your step pay using credit card. They only allow bank accounts.

      • OzBargaineer69 on 29/08/2025 - 04:26

        WAIT, WAIT, WAIT WAIT. BUT THEN YOU CAN PUT THE SAME CREDIT CARD AS THE AFTERPAY PAYMENT METHOD AND TURN IT INTO A COMPLETE DEBT OUROBOROUS????

    • sim36 on 29/08/2025 - 14:40

      pay in 4, no interest unless default.

  • nightelves on 28/08/2025 - 15:16
    +2

    Does Afterpay allow you to bpay line Zippay?

    • vawiyoci on 28/08/2025 - 16:17
      +2

      Nope (didn't neg)

    • xiaoli on 29/08/2025 - 10:27
      +1

      You can, but you need to combine it with another app called Sniip

      • capslock janitor on 03/09/2025 - 11:55

        What’s the snip fee for AP card?

        • vawiyoci on 03/09/2025 - 12:34
          +1

          1.5% like the other visa/mastercards.

  • Mannsy on 28/08/2025 - 15:21
    +33

    Everything has a plus or pro subscription now, $9.95 a month might seem to be little but when you add it to all the other subscriptions it gets ridiculous.

    • HD9990 on 28/08/2025 - 15:43
      +13

      $9.95

      already too much…

    • wetsandwich on 28/08/2025 - 16:04
      +2

      Every other credit card for kmart mum shoppers is free, and that's all this is..

    • afayd on 28/08/2025 - 17:14
      +5

      Enshitification

    • driva on 29/08/2025 - 19:12

      I actually think they should be required ro email a receipt. I had some weird charge for over a year from Amazon for 9.99 per month. I now i should check my credit card statement.

  • ccrap on 28/08/2025 - 15:21
    -2

    No banner for existing AP+ users :(

    • askbargain on 28/08/2025 - 15:26
      +35

      Hahaha imagine paying for AP+

      • ccrap on 28/08/2025 - 17:58
        -5

        lol… am I missing something? Was AP+ an abbreviation for something else? I meant Afterpay plus, and I do pay for it because its super useful from a cashflow perspective for our specific situation. I have a few K approval on it so we chuck monthly recurring big spends on there and then pay it off over 4. With our repayment history we often don't need to pay anything at point of purchase so essentially get another 2 weeks out of it.

        • PissLUR on 28/08/2025 - 19:26

          isnt $4k the max limit?

        • Nom on 28/08/2025 - 21:08
          +4

          Why is this useful though ?

          You could just pay for the stuff… ?

          • BargainBuddy on 29/08/2025 - 00:28
            +1

            @Nom: Theoretically, if you invest that money, you could earn a return instead of using it to buy the item. But this doesn’t really hold true with BNPL systems, since they only give you up to 6 weeks and require repayments every 2 weeks. In practice, that works out to about 3 weeks on average.

        • BargainBuddy on 29/08/2025 - 00:25

          @ccrap Your cost of money for that 2 weeks is approximately 6-7% p.a. That is only if you have the maximum of $4000 limit and you are using that maximum consistently.

        • Lucille Bluth on 29/08/2025 - 04:47

          Or you could just get a fee free credit card instead and not pay a recurring subscription fee?

    • capslock janitor on 28/08/2025 - 22:45

      how do you make the fee worth it ?

  • chanhoz on 28/08/2025 - 15:32

    Do they have international transaction fee?

    • Alex221 on 28/08/2025 - 16:23
      -1

      Revolut doesn’t have fees if you are interested 😊

      • olderman on 28/08/2025 - 16:51
        +2

        Surprisingly NAB Now Pay Later too doesn’t have transaction fees for purchases in other currencies!

      • chanhoz on 28/08/2025 - 17:00
        +2

        Revolut

        You need to preload money on that right?
        I'm more interested in leaving money in my offset as long as possible.
        I have been using the Humm card from this offer, it allows me to pay off the transaction after 3 months.
        https://www.ozbargain.com.au/node/899867

        • Synticulous on 28/08/2025 - 17:46

          Same. I'm thinking about increasing my credit limit on Humm since it's so easy to live off of it.

          Back when churning was less scrutinized I would be chasing points, now I'm just chasing offset and interest free days.

          That said Humm occasionally does promotions for spending.

    • Pidapipo on 28/08/2025 - 22:56

      Bendigo Ready credit card doesnt have international transaction fee. I have never seen any websites that are not Australian offer AfterPay. Pretty sure this service (AfterPay plus) offers Tap&Go capability, not for online payment.

  • sandman20104159 on 28/08/2025 - 15:38
    +19

    whats the benefits of being a plus member compared to just a normal account? no ads? unlimited skipping of payments?

    • vawiyoci on 28/08/2025 - 16:19
      +6

      Only certain stores accept the base Afterpay. This upgrades it to function like the zippay digital card which also works wherever credit cards/google pay/apple wallets are accepted.

      • sandman20104159 on 28/08/2025 - 16:54
        +2

        ahh ok cool, yeah i love my zip account as i can use a one off card number, i use it for my cruises when i have to give them a credit card, as its already once been charged the account cant be charged again and gets rejected but the card number is still valid and hasnt expired. its prefect for that kind of cr@p

        • eltito on 28/08/2025 - 17:03
          +2

          I recently opened a Bankwest debit card which has the same functionality (but have yet to try it). I used to have a zip account however due to their credit check - I was asked about it during my home loan application. The application itself was fine, but still, I figured as I rarely used zip, it wasn’t worth keeping if it meant being asked about it (and taken into account) when going for the home loan (and any future applications).

          I did miss the one off credit card number zip offered, but now Bankwest is the answer (for me at least).

          • sandman20104159 on 29/08/2025 - 07:26

            @eltito: yeah im thinking of closing my afterpay account and using my zero balance NAB card that has nothing in the account for this.

        • SydneySpendthrift on 28/08/2025 - 17:40
          +1

          Any idea if this can impact your credit rating? Like if they do a dodgy charge after the fact and your one-time card rejects the charge, do they then report this as a failure to pay your dues?

  • kmish on 28/08/2025 - 15:39
    +4

    I have been using an afterpay card in my e-wallet for years now. How is this subscription service any different?

    • rsop on 28/08/2025 - 15:44
      +4

      Correct me if Im wrong as I don't use Afterpay as much. Is it where places which don't accept afterpay?

      • HaveANiceDay on 28/08/2025 - 15:45
        +1

        Looks like that's the case

        • rsop on 28/08/2025 - 16:03

          It can come in handy. Like once I had to split my mechanical bill for my car as I was a bit short. Luckily, they did take afterpay, but I can see where this would come in handy. But also dangerous for some users who would treat it like a credit card.

    • JAF on 28/08/2025 - 16:00
      +5

      This subscription lets you use afterpay to pay basically anywhere (as long as the place accepts Apple or google pay) such as Costco , Apple etc

    • Kontiki on 29/08/2025 - 11:28
      +2

      With the base Afterpay, the store needs to accept Afterpay.

      With Afterpay Plus, you can use Afterpay anywhere a Visa or Mastercard is accepted. Basically turning it into Zip or a credit card (without the credit check I guess?).

      • kmish on 29/08/2025 - 13:15

        @Kontiki Thanks, this makes sense

  • bxpressiv on 28/08/2025 - 15:40
    +2

    And plenty of banks offer it in their accounts these days too.

    • capslock janitor on 28/08/2025 - 22:46

      what do you mean ?

      • bxpressiv on 29/08/2025 - 00:10
        +1

        Plenty of banks have a pay in four function within their regular account (credit check usually required) or credit card offering. Some offer fortnightly and some monthly payments.

  • T-man on 28/08/2025 - 15:51

    Why not just use Zip? There’s no monthly fee, and the Zip card can be used everywhere.

    • ColstonAUS on 28/08/2025 - 15:54

      Zip does have a monthly fee if your balance is above $0

      • anonymous_coward on 28/08/2025 - 16:04

        Plus a some places charge % extra to use zip as well. Like Virgin. They didn't and now they do. I can always pay up front but used zip when it started - because I could now don't bother with extra 1.27% pfft

      • rhyme324 on 28/08/2025 - 19:27
        +1

        The account fee is waived if you have paid your statement balance by the due date.

    • Chickenleg on 28/08/2025 - 16:10

      Zip has been $10 a month for me

      Edit: Zip Money, slightly different I believe

    • Poor Ass on 28/08/2025 - 16:10
      +2

      zip has credit check but afterpay does not

    • vawiyoci on 28/08/2025 - 16:20

      Zip only has a $1k limit cap these days. Afterpay is up to $3k (and they've apparently gone up to $5k recently in the US).

      • McFly on 28/08/2025 - 16:53
        +1

        Sorry, they love me more than you - I have $4K.

        • ChickenAdobo on 28/08/2025 - 17:44

          Dude I have $8K so Zip love me than you. It not really a brag. I think some card holder with ultra platinum card are much better.

          • McFly on 28/08/2025 - 17:46

            @ChickenAdobo: No brag, just a fact with a sprinkling of joke.
            You have 8K with Zip Pay?
            I only have 1K, didn't know you could get more without going to Money.
            Edit: Oh, just saw Plus. Is that new?
            Edit²: Just saw Alley Cat's post below.

            • Chicken feed on 28/08/2025 - 21:53
              +1

              @McFly: Yeah it a recent addition since March I think. You can apply for it but need to go through their financial check to get approval. It called Zip Plus and I use this inconjuction with my 4k Afterpay.

      • Alley Cat on 28/08/2025 - 17:24
        +1

        You can apply for zip plus for $8k.

        • vawiyoci on 29/08/2025 - 10:19

          But zip plus doesn't let you make repayments with credit cards unlike the normal base version.

  • wetsandwich on 28/08/2025 - 16:03
    +20

    $10 a month for a credit card which only exists for people who want to believe that their short term credit facility isn't a credit card.

    Please launch me into the sun

    • longy317 on 28/08/2025 - 16:11

      Unbelievable the lack of financial literacy these days.
      Signing up for services like this is outrageously dumb but that's who these companies prey on.

    • vawiyoci on 28/08/2025 - 16:27
      +3

      Meh that might be the case but for credit card churners like myself it lets you space out expenses while you're still waiting for exclusion cooldowns to run down etc. Didn't use to be the necessary when there were a wealth of cards to choose from and CoL hadn't been (profanity) by inflation but it's the opposite situation nowadays.

      Then again maybe banks will eventually add BNPL repayments into the ineligible category for points/minimum spend lol.

    • McFly on 28/08/2025 - 16:54

      Please launch me into the sun

      I don't think a wet sandwich impacting the sun - even a footlong at relativistic speed - would have much effect.

    • Pricetaker on 28/08/2025 - 17:11
      +1

      What do you mean, you use your credit card to make the repayments and start a vicious loop

  • SBOB on 28/08/2025 - 16:20
    +5

    A $10/mth for a subscription service, aimed at people likely already less than financially secure enough to have a credit card, providing short term financing with high default/penalty fees for late payment.

    at what point do we run out of pennies to squeeze :)

    • Jack D Price on 28/08/2025 - 16:43

      When we have a social revolution. Viva la France!

  • JF1 on 28/08/2025 - 16:49
    +1

    Do we know whether you can use other credit cards to pay down amounts owed on your Afterpay card? It might be useful for those churning cards (you can make sure you divvy up the spend between months).

    • McFly on 28/08/2025 - 16:56
      +1

      CC is the only way to pay your AP debt.

      • FutureTech on 28/08/2025 - 17:03
        +1

        Correct, but no Amex (otherwise this will get abused)

      • McFly on 28/08/2025 - 17:04

        lol I got a neg. If there is any other way to pay AP go ahead and let us know…

        • askbargain on 28/08/2025 - 17:39
          +2

          probably a debit card

          • McFly on 28/08/2025 - 17:43
            -1

            @askbargain: They allow debit cards? OK.
            Still, the point is that of course you can use a CC to pay AP.

        • JF1 on 28/08/2025 - 18:08
          +1

          Not my neg - but given this is now a credit card, I had thought they might require more traditional repayment methods (Bpay etc).

  • Eozef on 28/08/2025 - 16:54

    BNPL bubble is about to pop.

    • BargainBuddy on 29/08/2025 - 00:32

      Not even close

    • bxpressiv on 29/08/2025 - 05:41
      +3

      Bubble Now Pop Later?

    • FujinShu on 11/09/2025 - 18:23

      It’s debt all the way down.
      If there’s one thing I can (somewhat) respect Wall Street and finance bros for, it’s repackaging and reinventing debt.

  • Shakow on 28/08/2025 - 17:59

    They want to charge to put you more in debt?

  • AmexReferralPlease on 28/08/2025 - 18:10
    -1

    Everything that's wrong with a credit card combined with everything that's wrong with BNPL. People voting for this should be handing in their ozbargain badges.

    • McFly on 28/08/2025 - 20:42
      +1

      This is 3 months free. Anyone not voting for this should be handing in their OzB badge.

      • capslock janitor on 28/08/2025 - 22:51

        how can we get the most out it during that ?

        • McFly on 29/08/2025 - 00:46

          Put anything you would put on the credit card on AP+ (making sure you pay it off on schedule of course.)

  • FireRunner on 28/08/2025 - 18:16
    +4

    Nice, I'll be able to afford the 50 cent Translink commute now

  • MaxHashrate on 28/08/2025 - 18:17
    +2

    They need to let ppl pay with amex so we can use afterpay to bypass stores that don't take amex

  • Maths Debater on 28/08/2025 - 19:13
    +2

    So this basically acts as a CC and does not require the merchant to accept AP?

    I think if you need to split inexpensive, day-to-day items in 4, you have bigger problems.

    • mearkat7 on 28/08/2025 - 21:01
      +1

      I doubt most need to. But day to day expenses add up over time and if you can offset them hitting your account for a period of time that means you could have that money collecting extra interest, sitting in your offset etc. Might not be a huge amount but it still means you'll be slightly better off.

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