Zilch Classic Card
Representative APR
18.6% APR (variable)
Purchases
18.6% (variable) p.a.
Balance Transfers
Not supported
Account Fees
£0
Representative Example:
Representative Example: 18.6% APR Rep based on total spend: £495 (+£5.30 fees). Total repayable: £500.30 paid over 6 weeks or 3 months, 1st payment £129.05, then 3 payments of £123.75.
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
Zilch Classic isn’t a traditional credit card. It’s a card that lets you spread the cost of purchases over time; similar to Buy Now, Pay Later (BNPL). By linking your debit card to Zilch, you can choose to pay in full immediately and earn up to 5% back in Rewards, or spread payments over 6 weeks, where fees will apply and Rewards aren’t available. Subject to status, you may also be offered the option to Pay over 3 months with a variable fee. If you are spreading payments over 6 weeks or 3 months, a 25% deposit will be required and fees may apply. Always check your agreement carefully so you understand the costs before committing. Borrowing more than you can afford could seriously impact your financial situation.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Zilch |
|---|---|
| Network | Visa |
| Primary Category | Credit Building |
| Loyalty Scheme | Rewards |
| Incentive on opening | The Zilch Classic card can be used to pay in full and earn rewards, or through a Buy Now Pay Later plan where rewards don’t apply and fees may be charged. Always check your agreement carefully so you understand when and how any fees apply. |
| Cashback/Rewards (if applicable) | You can earn up to 5% in rewards when you shop online and enable your card. You can get 0.5% back in Rewards when you Tap and Pay in-store or use Zilch Anywhere. Payment must be made in full. |
| Account Fee | £0 |
| Purchases | 18.6% (variable) p.a. |
| Purchases Interest Free Period | 0 days |
| Balance Transfers | Not supported |
| Balance Transfer Fee | 0.00% |
| Cash Advances | Not supported |
| Minimum Credit Limit | £ 0.00 |
| Maximum Credit Limit | Subject To Status: £3,000 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 0 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 0% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 0% |
| Foreign Usage World | 0% |
Application Requirements
| Availability | Available to new customers |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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