Can I use a credit card with Afterpay?

Afterpay accepts payment from American Express, Mastercard and Visa cards. Here's how it works – plus details for other buy now pay later options.

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Paying off Afterpay or another interest-free shopping balance with a credit card could help you earn more reward points or give you a bit of extra time to deal with the debt. While Afterpay lets you pay with an Amex, Mastercard or Visa credit card (or debit card), the options are different with other buy now pay later services.

Use this guide to find out which interest-free payment services accept credit cards and the potential risks involved so that you can pay off your shopping in a way that works for you.

How to pay your Afterpay account with a credit card

You can use any Australian debit or credit card from American Express, Mastercard or Visa to pay your Afterpay account. To get started, you'll need to add the card to your account using the following steps.

  1. Log into your Afterpay account through the app or online.
  2. Go to "My account", then click on the "Billings" option.
  3. Select "Add a payment method" and enter the details of your credit card.

Once you've done that, you have two ways to use your credit card to pay Afterpay.

1. Automatic payments

This is Afterpay's default option, with payments automatically taken from your credit card (or chosen payment method) on a scheduled date.

Afterpay will send a notification before each instalment so that you can make sure the funds are available.

2. Pay now

If you want to make extra payments or pay off your account early, you can click the "PAY NOW" button in the Afterpay app or online and enter your credit card details (if they're not already stored in your account).

Note that any remaining instalments will stay the same, so you'll need to submit a request to Afterpay if you want to change the date an automatic payment comes out.

woman-holding-a-laptop-and-card

Which buy now pay later services accept credit card payments?

If you can’t easily find the payment options available for your interest-free balance, use the table below to see which popular providers do and don’t accept credit cards. We’ve also included details on which cards and other types of payments are accepted in the “Other payment details” column.

ProviderDoes it accept credit cards?Other payment details
Afterpay
  • Yes
Accepts payment from American Express, Mastercard and Visa cards.
Brighte
  • Yes
Accepts direct debit payments from a credit card or bank account.
Certegy Ezi-Pay
  • Yes
Accepts direct debit payments from a credit card or bank account.
Openpay
  • Yes
Accepts payments from valid Mastercard or Visa credit and debit cards.
humm
  • No
humm technically offers credit cards and accounts similar to credit cards. Payment options are listed on each statement and include BPAY or direct debit from your bank account.
zipMoney
  • No
Payments must be made via direct debit from your linked debit card or bank account. You can also make additional payments via BPAY.
zipPay
  • No
Payments must be made via direct debit from your linked debit card. You can also make additional payments via BPAY.

Compare interest-free finance providers

couple with shopping bags

Why would I use a credit card to pay off interest-free shopping?

Some of the reasons you might want to pay off your Afterpay balance (or another balance) with a credit card include:

  • Earning reward or frequent flyer points. If you have a rewards credit card that offers points per $1 spent, using it to pay off your shopping will help you get more rewards.
  • Avoiding late payment fees and other charges. Afterpay, Openpay, zipMoney and most other interest-free shopping services charge late fees or interest when you don’t make a payment on time. If you can’t afford to make a payment by the due date, using a credit card gives you a way to avoid these types of costs. However, unless you’re eligible for interest-free days on your card, you could end up paying more in interest charges.
  • Getting rid of the account. If you’ve signed up for an interest-free service and then decided you want to close the account, you could use a credit card to pay off the balance. This can also make it easier to manage your debts, as you’ll have one less repayment to think about.

What if I want to close my interest-free account but can’t pay by credit card?

You need to settle your interest-free account balance before you can close it for good. So, if you can’t afford to pay it off with your own money and credit card payments are not accepted, another option is to consolidate a zipMoney balance on a balance transfer card.

You could also look at other credit card debt consolidation options. Just make sure you check that your interest-free debt will be accepted before you apply, because some of these options only offer debt consolidation for certain types of accounts.

hand holding a red credit card

What are the risks of using a credit card to pay off my Afterpay or interest-free debt

Make sure you consider these potential issues before using your credit card for interest-free shopping payments:

  • Adding to your credit card debt. The biggest potential issue with paying off an interest-free balance with a credit card is that you’ll just move the debt from one account to another, without actually getting rid of it.
  • Paying interest on the debt. Unless you pay off your credit card balance in full each month, you’ll be charged interest on the payment you make to Afterpay or another similar service. This means it won’t be interest-free anymore, which basically defeats the purpose of using one of these services.
  • Taking longer to clear the balance. Most interest-free payment services offer fixed-term payment plans, which means you have a set amount of time to clear your debt. Credit cards, on the other hand, typically have minimum repayments worth around 2–3% of what you owe. If you only paid this amount each month, it could take you years to pay off the debt.

Work out your credit card payments with this calculator

woman shopping with a green credit card

Other details to consider

  • How to set up payments from a credit card. Most interest-free payment services offer direct debit payments. To set up the debit from your credit card account, you’ll need to enter the card number, the name on the card, the expiry date and the security code.
  • Making additional payments. Some services, such as Afterpay and Openpay, allow you to make one-off payments in addition to your scheduled payment. In this case, you’ll need to follow the prompts to make an additional payment and enter your credit card details when they are requested.
  • Credit limits and available credit. If you set up direct debit repayments from your credit card and don’t have enough available credit when a payment is due, you could be charged two sets of fees: one from the interest-free service (a late payment fee) and one from your credit card company due to the declined transaction (a dishonour fee).
  • Financial support. Most interest-free payment services offer financial support and plans if you’re struggling to make payments. So if that’s the reason you want to use your credit card, it’s a good idea to discuss your options with the interest-free provider first. Otherwise you could end up with more debt in the form of credit card interest charges.

Interest-free finance and credit cards both offer you flexible ways to buy what you want and pay it off over time, so they don’t usually go together very well. But if you really want to use a credit card for your balance with Afterpay or another interest-free service, make sure you weigh up the risks and potential costs before going ahead with a payment.

Most of the time it’s safer to use a debit card or buy what you want upfront. Or, if you want to pay with a credit card to earn points, consider using the card to pay for what you want in the first place so that you don’t have to deal with an interest-free balance at all.

Compare some of the best* credit cards

Name Product Purchase rate Interest-free period Balance transfer rate Annual fee
Kogan Money Black Card - Exclusive Offer
20.99% p.a.
Up to 55 days on purchases
0% p.a. for 30 months
$0
0% Balance Transfer Offer & $50 Kogan.com Credit
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Kogan.com Credit and uncapped rewards points.
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
0% p.a. for 36 months
$29 annual fee for the first year ($129 p.a. thereafter)
0% Balance Transfer Offer & $29 First-Year Annual Fee
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
Citi Premier Qantas Card
21.49% p.a.
Up to 55 days on purchases
0% p.a. for 6 months
$175 annual fee for the first year ($350 p.a. thereafter)
100,000 Bonus Qantas Points & First-Year Annual Fee Discount
Get 100,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a first-year annual fee discount.
St.George Vertigo Card
13.99% p.a.
Up to 55 days on purchases
0% p.a. for 32 months
$0 annual fee for the first year ($55 p.a. thereafter)
Long-Term 0% Balance Transfer Offer & $0 First-Year Annual Fee
Get a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.
Qantas American Express Ultimate Card
20.74% p.a.
Up to 44 days on purchases
$450
100,000 bonus Qantas Points
Receive 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Bankwest Breeze Classic Mastercard
0% p.a. for 15 months, reverts to 9.9% p.a.
Up to 55 days on purchases
0% p.a. for 15 months
$0 annual fee for the first year ($49 p.a. thereafter)
0% Purchase Rate & Balance Transfer Offers
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
Citi Clear Card - Balance Transfer Offer
14.99% p.a.
Up to 55 days on purchases
0% p.a. for 36 months
$99
Long-Term 0% Balance Transfer Offer
Offers 0% p.a. on balance transfers for 36 months with no balance transfer fee. Plus, complimentary insurance covers.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
90,000 Bonus Points & First-Year Annual Fee Discount
Earn 90,000 bonus Qantas Points when you spend $3,500 in the first 3 months and save with a reduced first-year annual fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
Up to 55 days on purchases
0% p.a. for 28 months
$0 annual fee for the first year ($129 p.a. thereafter)
$0 First-Year Annual Fee & Balance Transfer Offer
Get 0% p.a. on balance transfers for 28 months (with no BT fee). Plus, $0 annual fee in the first year. Ends 31 January 2022.
Bankwest Zero Platinum Mastercard
14.99% p.a.
Up to 55 days on purchases
0% p.a. for 34 months with 2% balance transfer fee
$0
No Annual Fee & 0% Balance Transfer Offer
Get 0% p.a. on balance transfers for 34 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
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Compare up to 4 providers

*The credit card offers on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.Back to top

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