There’s a Zilch for everyone. Check out how our virtual credit cards make managing your money simple – with exclusive benefits and Rewards built around you.
From 14.9% APR Representative
Representative Example: 14.9% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34. Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply.
Fees may apply
Zilch Standard
Zilch Plus
Physical card
Rewards when you
Pay now
Rewards when you Pay
over time via the app
Rewards when you Pay
over time outside the app
Spend Rewards
Priority Customer Support
tastecard membership
Zilch Standard
Free£4.99 card fee
Up to 5%
In-app only
Zilch Plus
£3.99/monthFree
Up to 6%
Up to 1%
Up to 0.25%
Everywhere
Zilch Classic gives you the freedom to pay your way. Spread payments over 6 weeks or 3 months with credit limits up to £3000 and no interest*. Ever. *Fees may apply. Want a little more back on every purchase? Pay now for 5% back in Rewards.
18.6% APR Representative
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. Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply.
Got less-than-perfect credit? Zilch Up could help you build your credit score. By staying within your credit limit and making payments on time or early, you could see your credit history improve. Zilch Up also lets you Pay over 6 weeks with no interest* to help you spread the cost or you can Pay now to earn up to 5% back in Rewards. *Fees may apply
31.9% APR Representative
Representative Example: 31.9% APR Representative (fixed) based on total spend: £520 (+£19 fees). Total repayable: £539 paid over 6 weeks, 1st payment £149, then 3 payments of £130 every 2 weeks. T&Cs apply.
Zilch X gives you more. Enjoy up to £4500 credit, 0% upfront and no interest*. Spread payments over 6 weeks or 3 months now – and with Pay over 6 months on its way, even more benefits are within reach. You can also Pay now for up to 5% back in Rewards. Cha-ching. *Fees may apply.
14.9% APR Representative
Representative Example: 14.9% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34. Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply.
Download the Zilch app
Create an account
See your credit limit
Link your debit card
Verify your identity
You could be in within minutes.
Explore the deals or search for your favourite retailer.
Choose how you want to pay.
Pay over 3 months is subject to eligibility. Fees may apply.
Tap Enable card, then go shop. Remember to use your Zilch card details at checkout. Fees may apply.
We’ve got the answers on everything from signing up to making your first purchase and beyond.
