Zilch: Smart Credit

Zilch: Smart Credit

Pay over time. Earn Rewards.

21K ratings
428 reviews
Free

Details

  • Released
  • Updated
  • March 31, 2021
  • August 11, 2026

Features

Zilch: Smart Credit screenshot #1 for iPhone
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Zilch: Smart Credit screenshot #5 for iPhone
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Zilch: Smart Credit screenshot #7 for iPhone
Zilch: Smart Credit screenshot #8 for iPhone
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About

Split purchases into four interest-free installments over six weeks, or get instant cashback rewards when you pay in full. Shop at thousands of online stores or anywhere Mastercard is accepted.

Pay over 6 weeks with 0% APR
Zero late fees
Up to 5% back in rewards
Shop anywhere online
Track spending
Early payment options
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What users say

See all reviews
+1

What's New in Zilch

2.58.0

August 11, 2026

We’ve made managing and understanding debt sale easier in the app and squashed some bugs to improve performance.

User reviews

Scam account

Received an email from Zilch saying “my application” was nearly complete. Have never applied. Trying to contact zilch is impossible as have to log into app - tricky as never set it up in the first place…. Contact options all depend on app so completely unclear where this leaves me - is someone setting up account in my name??
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Good stuff

Sleek design, super easy app setup. Spending tracking & instant alerts are brilliant—keeps you totally in control. Contactless works flawlessly, and security features give real peace of mind. Zero annoying hidden fees, great travel-friendly too. Practical, smart, and worth every penny!

Review

Loving the card. You know exactly where you are with it nothing hidden and love the messsges about payments. Best card I have

Zilch

Love my zilch

Super power

It’s a massive help when you need it most!!

User experience

🐞

Reported Bugs

4 issues

Login issues

Bug

Verification process problems

Bug

Payment processing errors

Bug

Inconsistent app behavior

Bug

Requested Features

5 requests

Allow third-party payments

Feature

Increase credit limit faster

Feature

Add monthly repayment option

Feature

Improve in-store transaction reliability

Feature

Provide more transparency on fees

Feature

FAQ

What is Zilch?

Zilch is a payment service that allows you to split your purchases into four interest-free installments over six weeks. Alternatively, you can pay in full and receive instant cashback rewards of up to 5%.

How does the 'Pay over 6 weeks' option work?

With this option, you'll pay either 25% or 50% of your purchase upfront, plus any applicable fees. The remaining balance is then split into three equal installments, due over the following six weeks.

Are there any fees associated with Zilch?

There are zero late fees and zero overdraft fees when signing up. A fee of up to $3 may apply for purchases over $10 made at retailers not directly partnered with Zilch, depending on your selected retailer.

Where can I use Zilch?

You can shop at thousands of online stores directly through the app with zero fees. Additionally, because it's a Mastercard, you can use it to shop absolutely anywhere else online where Mastercard is accepted.

Is Zilch available on Android and iOS?

While the description doesn't explicitly state compatibility, it is implied that the service is accessed via a mobile application, suggesting availability on major mobile operating systems like Android and iOS.