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Can I use a credit card to make payments to Afterpay?

While Afterpay accepts payments made from a credit card, there are other interest-free shopping services that don’t. Here’s what you need to know.

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Paying off your 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. Whether or not you can use your card depends on which interest-free service you use. On top of this, there can be more risks when you pay off this type of balance with a credit card, as you’re basically moving debt from one account to another.

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.

What you'll find in this guide

woman-holding-a-laptop-and-card

Which interest-free 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 Mastercard and Visa debit or credit 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.
CreditLine
  • No
Accepts payments through the online service centre, via direct debit, BPAY, personal cheques or in person at participating banks and post offices.
Lombard
  • No
Similar to a credit card, you can make repayments via BPAY or direct debit from your bank account.
Openpay
  • Yes
Accepts payments from valid Mastercard or Visa credit and debit cards.
Oxipay
  • Yes
You need an Australian credit card to use this interest-free service.
Skye
  • No
Skye 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.

How to deal with financial hardship

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

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Citi Rewards Card - Exclusive Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 30 months
30-Month Balance Transfer & Annual Fee Discount
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 18 months with 1.5% balance transfer fee
No Annual Fee & 0% Balance Transfer Offer
Earn Flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months. Ends 31 Oct 2020.
Qantas American Express Premium Card
20.74% p.a.
Up to 44 days on purchases
$249
100,000 Bonus Points & 50 Status Credits
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 25 months with 1.5% balance transfer fee
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
Up to 130,000 bonus Qantas Points & 75 bonus Status Credits
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
Up to 55 days on purchases
$99 annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 12 months
$500 e-voucher and Discounted First Year Annual Fee Offer
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
Up to 55 days on purchases
$64 annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 22 months
$129 Gift Voucher & Balance Transfer Offer
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
Up to 55 days on purchases
$129
0% p.a. for 22 months
0% Balance Transfer Offer & Annual Fee Refund
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($87 p.a. thereafter)
20.24% p.a.
0% Purchase Offer & $0 First Year Annual Fee
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
75,000 Bonus Points & $100 Kmart eGift Card
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
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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.

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0
Earn Flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months. Ends 31 Oct 2020.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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