That’s right. Get up to 5% back on
every purchase. Instantly. Ahh.

From 18.6% APR Rep

Credit subject to status. T&Cs apply

From 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.

How to get Rewards.

Save or

Use Rewards to discount your
next purchase or save them up
for something special.

How to spend Rewards.

Refer and earn

Once you’re in and loving Zilch, refer a mate and you’ll both get £5 in Rewards when they’ve made their first Tap and Pay purchase. Cha-ching.

Refer a friend

Double & Nothing.
Double Rewards. No fees.

Watch out for this one-day-only event where you can earn double Rewards and pay zero fees at top brands. Trust us, you don’t want to miss this.