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10% Cashback on Visa Department Store Gift Cards and Bunnings Gift Cards @ Zip

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10% Cashback on Visa Department Store Gift Cards and Bunnings Gift Cards @ Zip
Go to Deal
highwind on 24/11/2025 - 11:14 zip.co (1306 clicks)
Last edited 24/11/2025 - 11:16

10% cashback on Department store gift cards and Bunnings gift cards ZIP. Seems the Department Store one includes Hardware Stores, so the Bunnings one is kind of redundant.

Department Store gift cards can be used at (https://www.visa.incentivesgiftcard.com.au/department-store/):
The Category Choice Department Stores Gift Card can be used at the following merchant category locations: Pharmacies (5912), Department Stores (5311), Variety Stores (5331), Hardware Stores (5251), Men and Women’s fashions (5611,5621), Electronic Stores (5732), Book Stores (5942), Sporting goods (5941)
Check MCCs here: https://www.ozbargain.com.au/wiki/mcc_list

T&Cs:
The Visa Digital Gift Card (‘Card’) is issued by Heritage and Peoples Choice Limited pursuant to a licence from Visa Worldwide Pte Limited For full Terms and Conditions visit: https://incentivesgiftcard.com.au/terms-conditions/

Purchase an eligible Zip Visa Department Store gift card (‘Gift card’) through the Zip App and earn 10.0% of the value of your gift card as cashback towards your Rewards Goal. Gift card stock is limited. Refer to the gift card T&C’s for more details. Redeemable through the Zip Rewards program when you reach the Rewards Goal. Starts: 2025-11-24 09:00AM Zip Reward Program T&Cs apply. Promotion ends 2025-11-24 01:00PM, or when stock runs out. Minimum Spend $50.0. Purchase a $50, $75, $100, $125, $150, $200, $250, $300, $400, $500, AUD ‘Zip Visa Department Store’ gift card (‘Gift card’) through the Zip App and earn 10% of the value of your gift card as cashback towards your Rewards Goal. Gift card stock is limited. Refer to the gift card T&C’s for more details. Redeemable through the Zip Rewards program when you reach the Rewards Goal. Promotion ends when stock runs out. Zip Reward Program T&Cs apply

Also Bunnings: https://zip.co/au/giftcards/checkout/1akBqeqDgiCcdthLsfOwp5

T&Cs:
Purchase an eligible Bunnings gift card (‘Gift card’) through the Zip App and earn 10.0% of the value of your gift card as cashback towards your Rewards Goal. Gift card stock is limited. Refer to the gift card T&C’s for more details. Redeemable through the Zip Rewards program when you reach the Rewards Goal. Starts: 2025-11-24 09:00AM Zip Reward Program T&Cs apply. Promotion ends 2025-11-24 01:00PM, or when stock runs out. Minimum Spend $50.0. Purchase a $50, $100, $200, AUD ‘Bunnings’ gift card (‘Gift card’) through the Zip App and earn 10% of the value of your gift card as cashback towards your Rewards Goal. Gift card stock is limited. Refer to the gift card T&C’s for more details. Redeemable through the Zip Rewards program when you reach the Rewards Goal. Promotion ends when stock runs out. Zip Reward Program T&Cs apply

Zip Referrals

Referral: random (289)

Referee & Referrer: Until 31/1/2026 $50 each if referee applies for account within 10 days of invitation and completes a transaction within 14 days of account approval.

Normally $10 for referrer & referee, if referee applies for account within 10 days of invitation and completes a transaction within 14 days of account approval.

Other Blackhawk Network (Australia) Bunnings Cashback Gift Card VISA

Related Stores

Zip
Zip
Third-Party
Bunnings Warehouse
Bunnings Warehouse
Marketplace
Incentives Gift Card
Incentives Gift Card

Comments

Search through all the comments in this post.
  • Mortin on 24/11/2025 - 11:16

    Can we use the "Department Stores Gift Card" at Coles? And Bunnings?

    • brisdaz on 24/11/2025 - 11:19

      Read the description. We can use at Bunnings but not at Coles. I think we can use it at JB Hifi.

    • RichardF89 on 24/11/2025 - 11:23
      +6

      you can buy coles myer card from myer to use at coles

      • Mortin on 24/11/2025 - 11:23

        Wow

        • RichardF89 on 24/11/2025 - 11:34
          +1

          also can buy wish card from Big W then you can use at woolworth.

      • askbargain on 24/11/2025 - 11:40
        +2

        Last I checked they only display Myer cards and hide the Coles Myer card.

        • daanish on 24/11/2025 - 11:54
          +2

          I bought a Coles Myer card at Myer last week. They had plenty of them on display at one of the registers, right next to the Myer cards.

        • Poor Ass on 24/11/2025 - 12:17

          you must be in Vic

        • FutureTech on 24/11/2025 - 12:25

          Depending on the store, I've seen both

      • Chookt on 24/11/2025 - 14:31

        Can anyone confirm that it works?

  • brisdaz on 24/11/2025 - 11:19

    Mods/Power Users - please tag https://www.ozbargain.com.au/product/incentives-gift-card

    • CodeXD on 24/11/2025 - 12:00

      Use report, otherwise you're waiting for one of them to random stumble upon your comment

      • brisdaz on 24/11/2025 - 12:29

        Thanks. I wrote the comment above and also reported it. I don't think power users get the report but mods do.

        You'll notice they were very quick and updated the deal with the incentive gift card tag in the less than five minutes.

        • WookieMonster on 24/11/2025 - 15:05

          Correct, only moderators can see submitted reports.

          I am basically only a regular user that has the ability to edit other people's deal posts (as well as my own). I cannot add Related Stores, mark deals as Targeted or Long Running, see who has downvoted a comment, etc.

    • highwind on 24/11/2025 - 12:13

      I tried to update the entry, but didn't seem to do anything to the tags unfortunately

      • brisdaz on 24/11/2025 - 13:00

        Yeah you can only tag one product or store. If you want more only power users/mods can do that. Hence the comment and report by me.

  • Robin2012 on 24/11/2025 - 11:22

    great

  • Chrool on 24/11/2025 - 11:25
    +2

    bought 2 and they locked my account >:(

    • cheapfab on 24/11/2025 - 11:32
      +2

      Same - cant purchase anymore till it gets unlocked .
      Not sure if it was the timing of purchases one after the other, the amounts, or just general activity as I also redemeed the cashback quickly

      • Chrool on 24/11/2025 - 11:33

        probably their way of putting a limit without stating "limit 2 per customer"
        I bought several gift cards last time they had something like this with absolutely no issue

        • ATangk on 24/11/2025 - 12:33

          I bought 3.

    • RichardF89 on 24/11/2025 - 11:36

      bought 3 time now and I used almost all my limit

      • highwind on 24/11/2025 - 11:46
        +3

        You can always repay via a separate credit card to unlock additional ZIP funding. Almost instantaneous

        • ujwols on 24/11/2025 - 12:33

          can you repay while the transaction is still pending?

        • RichardF89 on 24/11/2025 - 12:48

          I repaid and placed the 4th order after 1 hour it still shows pending. I guess once you used all your limit, you need to wait to spend again. My linmit is $1500 so my 4th order is pending

      • fortunecookie on 24/11/2025 - 11:50

        Also bought 3. Now the 4th one won't check out, there is 'technical issue' apparently

        • googoogaga on 24/11/2025 - 11:52

          same, done 3 and can't do the 4th

        • RichardF89 on 24/11/2025 - 12:24

          my 4th one still shows Processing after 15 mins

    • Chrool on 24/11/2025 - 11:58

      They "needed" to verify ownership of my credit card, even though the accounts are in the same name :/

  • Ehty on 24/11/2025 - 11:27
    +21

    As per ChatGPT!

    Below is a clear, Australia-specific list of common merchants that fall under each MCC allowed by the Category Choice – Department Stores Gift Card.

    These are taken from publicly known MCC assignments (including the OzBargain MCC list and bank data). Actual MCCs can vary by store location, but these are the most commonly reported.

    ✅ Eligible Merchants by Category & MCC

    🟦 Pharmacies – MCC 5912

    Common Australian merchants that use MCC 5912:

    • Chemist Warehouse
    • My Chemist
    • Priceline Pharmacy
    • Amcal
    • TerryWhite Chemmart
    • Chempro
    • Discount Drug Stores
    • Blooms The Chemist
    • Guardian Pharmacy
    🟧 Department Stores – MCC 5311

    Stores typically using MCC 5311:

    • Myer
    • David Jones
    • Harris Scarfe
    • TK Maxx
    • Kmart (note: some locations use 5311, others use 5331)
    • Target (same as Kmart; MCC varies)
    🟩 Variety Stores – MCC 5331

    Stores commonly under MCC 5331:

    • Big W
    • Kmart (many stores)
    • Target (many stores)
    • Reject Shop
    • Daiso
    • Costco (some locations use 5331)
    🟫 Hardware Stores – MCC 5251

    Australian merchants using MCC 5251:

    • Bunnings Warehouse
    • Mitre 10
    • Home Timber & Hardware
    • Thrifty-Link Hardware
    • True Value Hardware
    • Total Tools (some locations; others use different MCCs)
    🟪 Men’s & Women’s Fashion – MCC 5611 & 5621
    MCC 5611 (Men’s Clothing Stores)
    • Tarocash
    • Connor
    • yd.
    • Politix
    • MJ Bale
    • R.M. Williams (some stores use 5611, others 5699)
    MCC 5621 (Women’s Clothing Stores)
    • Forever New
    • City Chic
    • Review
    • Portmans
    • Sportsgirl
    • Part of Just Group (varies)
    • Suzanne Grae

    (Many fashion retailers use generic MCC 5699 instead of 5611/5621, so acceptance may vary.)

    🟨 Electronic Stores – MCC 5732

    Retailers usually under MCC 5732:

    • JB Hi-Fi
    • The Good Guys
    • Harvey Norman
    • Bing Lee
    • Officeworks (common but sometimes uses 5045)
    🟫 Book Stores – MCC 5942

    Bookstores with MCC 5942:

    • Dymocks
    • QBD Books
    • Harry Hartog Bookseller
    • Booktopia (online)
    • Angus & Robertson (where still operating)
    🟢 Sporting Goods – MCC 5941

    Merchants commonly using MCC 5941:

    • Rebel Sport
    • JD Sports
    • Decathlon
    • Foot Locker
    • Platypus Shoes (varies)
    • Nike Stores (standalone)
    • Adidas Stores
    • Under Armour
  • RichardF89 on 24/11/2025 - 11:31
    +1

    the Department Store card is the GOAT can use almost everywhere. ans also can buy gift card to use at coles and woolworth. don't know any where sell Amazon gift card

    • brisdaz on 24/11/2025 - 11:40

      Where can you buy woolworths gift cards? Big W? Don't they lock it at the software terminal to prevent it?

      • RichardF89 on 24/11/2025 - 11:41
        +1

        this is visa card you should able to use it to buy anything from big w. I use the special big w card to buy apple card last Friday

      • brisdaz on 24/11/2025 - 14:56

        Just tried to buy apple and google play and wish gift card at big w and as I thought it was locked and terminal said not allowed.

        I tried apple and google play gift card at JB hi-fi and it was also locked.

        This is in Brisbane but it shouldn't matter where.

        • Mr-NPC on 24/11/2025 - 15:16

          Can you confirm they worked at JB in general?

          • brisdaz on 24/11/2025 - 15:32

            @Mr-NPC: Sorry nope. I didn't have anything that I wanted to buy (besides gift cards)

            • Mr-NPC on 24/11/2025 - 15:38

              @brisdaz: Damn well hopefully they do given the MCC code (not that I've even received mine yet)

        • kk128k on 24/11/2025 - 19:49

          Use the Department Store Gift Card?

        • brisdaz on 25/11/2025 - 16:33
          +1

          To add:

          Can confirm that Google Play and Apple Gift cards are able to be purchased at Big W. It must have been only Wish gift cards that are blocked.

          This is in Brisbane Queensland although location shouldn't matter.

  • JumpingUnicorns on 24/11/2025 - 11:36

    What does the "Rewards Goal" mean? Do you have to hit a certain goal before you can cash it out?

    • brisdaz on 24/11/2025 - 11:39
      +1

      Yes Reward Goals means you have to hit $10 before you can redeem and only multiples of it.

      • gembel on 24/11/2025 - 11:41

        so ideally you need to buy $100 or $200 gift cards?

        • brisdaz on 24/11/2025 - 11:42
          +1

          Or $500. If you intend to buy for example 7 eleven gift cards then you may buy other than multiples as it adds up. It does however expire after a while (not sure how long).

      • Russ on 24/11/2025 - 12:02

        Redeemable through the Zip Rewards program

        How does one "cash out"? Do they transfer money to your bank/PayPal, or can you only buy other products from Zip?

        • highwind on 24/11/2025 - 12:11
          +3

          It becomes a credit to your ZIP account, so offsets the amount owing.
          E.g. buying $500 -> get $50 cashback -> redeem into ZIP account -> owing $450 only

  • aiyoyo on 24/11/2025 - 11:41
    +2

    Is this card safe to stock up?

    • cpho on 24/11/2025 - 12:06
      +2

      Looks okay - I just bought one to check the expiry, and it'll be valid until Nov 2028.
      Worst case, convert it into a Woolies gift card which doesn't expire.

  • nowich on 24/11/2025 - 11:47

    thanks op

  • T-man on 24/11/2025 - 11:52

    It used to work at Amazon, not anymore

    • highwind on 24/11/2025 - 11:53

      I was hoping to add it to Shopback and then buy Amazon through them (MCC look-up says SB lists themselves as Department Store) but sadly they won't add my card as payment method

  • frogduck on 24/11/2025 - 11:53

    Thanks mate :)

  • xhxxyx on 24/11/2025 - 11:58

    is anyone getting the "exceeding redemption limit" when trys to conver the cashback balance to the zip pay? looks like it's capped at $120

    • bardddd on 24/11/2025 - 12:02
      +1

      wait 24 hours

      • xhxxyx on 24/11/2025 - 12:05

        will do

  • UnnecessarySpendings on 24/11/2025 - 11:59
    +1

    How many can I use for a large purchase at David Jones or Domayne? For example, for a $2,000 item, can I use four $500 cards in-store?

    • huhuu77 on 24/11/2025 - 12:12
      +1

      You can add all the e-visa cards into Apple Wallet or Google wallet, then ask the staff to split the payment, pretty easy. Just choose different cards and tap 4 times.

  • prankster on 24/11/2025 - 12:01
    -1

    sorry noob Q whats this "rewards goal" dont you get cashback to your credit card?

    "AUD ‘Bunnings’ gift card (‘Gift card’) through the Zip App and earn 10% of the value of your gift card as cashback towards your Rewards Goal"
    can you buy this on the website or need to buy via app (i dont have the app)

    • brisdaz on 24/11/2025 - 12:10
      +1

      This question has been asked (and answered earlier). Please search before asking questions. See https://www.ozbargain.com.au/comment/17114803/redir

    • brisdaz on 24/11/2025 - 12:10

      You need the app to buy it.

    • highwind on 24/11/2025 - 12:11
      +3

      Their cashback model is such that you can only cash out every time you reach the goal ($10 increments)
      So if you buy $100 -> $10, meaning you can instantly can cash out into your ZIP account
      But e.g. if you buy $150 -> $15, you can cash out $10, but the $5 is locked until you earn another $5 cash back.
      Buying $500 -> $50, so you cash out fully, but over 5x $10 steps.

      • ATangk on 24/11/2025 - 12:28
        +1

        Due to some messup on their end my cashback total was negative $40. I'd held off using Zip because of the 'bank error in my favour". This deal has me finally clearing that error and getting some JB cards stocked up.

  • Ash-Say on 24/11/2025 - 12:24

    Account got locked and had to verify ID to make purchase

  • hatxihoi on 24/11/2025 - 12:25

    Encountered error with the app. Whenever I clicked on the gift card, then the next page would be: You have successfully logged out.

  • Poor Ass on 24/11/2025 - 12:28
    +1

    first 2 card ok 3rd card still shows pending and have not received cashback yet

    • brisdaz on 24/11/2025 - 12:31
      +1

      +1 I have the same error.

      • Poor Ass on 24/11/2025 - 12:33
        +1

        yeah diu

      • Poor Ass on 24/11/2025 - 15:43

        got my 3rd card now mate see you in Inala

  • RichardF89 on 24/11/2025 - 12:28

    thanks OP lucky I didn't but the post 10% gift card

  • brich1980 on 24/11/2025 - 12:28

    Can anyone confirm that eBay Australia MCC is also under Department Stores (5311)? If so, can we add the VISA to eBay account and spend it online?

    • Poor Ass on 24/11/2025 - 12:32

      nah

      go to department store and buy an ebay gift card instead

      • bardddd on 24/11/2025 - 12:44

        Do you know which department stores currently sell eBay gift cards?

    • perthhunter on 25/11/2025 - 12:53

      They worked directly with ebay and Aliexpress when I tried 6 months ago on the Dept store gift card sold through Maxxia (not the Zip version).

    • hamza23 on 01/12/2025 - 21:42
      +2

      FYI I just used up my department store card balance directly on eBay, using the split payment feature to use up the exact amount (also paid some by gift card).

  • Jugg.Judy on 24/11/2025 - 12:33
    -1

    So u need to buy gift card from physical store like big w right not online?

    Max reward is $20, so buy 2x$100 gift card in same transaction?

    • ujwols on 24/11/2025 - 12:48

      where does it say max reward $20?

    • RichardF89 on 24/11/2025 - 12:48

      max reward is $1000

  • nfr on 24/11/2025 - 12:34

    After buying the GC Zip declared I have reached the end, that sounds ominous.

  • mrhorse on 24/11/2025 - 12:34
    +2

    In case anyone without a Zip account wonders:
    Yes, it requires a credit score check upon application.

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