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Using PayPal with your credit cards

You can link your credit cards and bank accounts in the PayPal app to earn rewards. PayPal also offers Pay in 4, a buy now pay later option.

PayPal no longer offers credit cards in Australia. But you can link your existing credit cards to your PayPal account. Here's how it works.

PayPal lets you add a credit card or bank account to your PayPal app so you can use them as payment options.

You can choose different payment methods when you're at checkout.

How it works

You can go into your digital wallet in the PayPal app, then click banks and cards. From there you can choose to add a bank account or a debit or credit card.

Then you'll need to enter the account information and verify information like your card details and billing address.

Pay in 4

Pay in 4 is PayPal's buy now pay later service. You can split a purchase into 4 installments spread out over 6 weeks.

There's no interest to pay and no late fees or interest charges.

Pay in 5 also includes buyer protection on eligible purchases.

Where can I use Pay in 4?

You can use Pay in 4 at a wide range of retailers online including:

  • Myer
  • Woolworths
  • JB Hi-Fi
  • The Iconic
  • Kogan
  • The Good Guys

What are the benefits of adding credit cards to a PayPal account?

  • Different payment methods. When shopping online you can choose between your cards, accounts, and even pay via QR code.
  • Add multiple cards and bank accounts. You can add multiple credit cards and bank accounts to give you more options in how you spend your money.
  • Track all your spending in the PayPal app. You can track and manage all your PayPal spending in the app.
  • Rewards. When shopping you can check out with PayPal and automatically get your eligible rewards when using your credit card.
  • Combine discounts and rewards. You can take advantage of PayPal exclusive deals while shopping and still earn your credit card rewards on top.

How do I get started?

You'll need to have a PayPal account and download the PayPal app. From there you can add credit cards or bank accounts to the app as payment methods.

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