Where can I use Buy Now Pay Later for Christmas?
Looking to spread the cost of your Christmas shopping this year? Buy Now Pay Later (BNPL) could be your answer.
In fact, if used correctly, BNPL can be a way to reduce how much you spend upfront and allows you to budget as you pay off the rest of what you owe in regular instalments.
And there are plenty of platforms to choose from. Whether it’s Afterpay, Zip, Klarna or Humm (to mention a few), there are a whole bunch of retailers that allow you to use these types of services to buy Christmas gifts now and pay for them later.
It’s important to note though, these platforms aren’t completely cost-free. The truth is, some come with a monthly fee attached to them and often charge late payment costs if you miss or delay an instalment.
So which retailers accept Buy Now Pay Later?
When choosing a buy now pay later platform for your Christmas shopping, it’s savvy to go with an option that is widely accepted across a bunch of online and in-store retailers. Or at least one that is available at the shops you intend to buy your gifts at.
Because there are so many Aussie retailers that allow customers to make purchases using BNPL, here’s a roundup of some of the big name stores and some of the BNPL platforms they accept:
| Retailer | Buy Now Pay Later platforms/s |
| Myer | Afterpay, Humm |
| David Jones | Afterpay |
| Kmart | Afterpay, Zip |
| Target | Afterpay, Zip |
| Big W | Afterpay, Zip |
| Bunnings | Zip |
| THE ICONIC | Afterpay, Zip (gift cards only) |
| ASOS | Afterpay, Klarna |
| Cotton On | Afterpay, Zip (online only), Klarna, Humm |
| Catch | Afterpay, Zip |
| Amazon | Afterpay (gift cards only), Zip |
| Bing Lee | Afterpay, Zip, Humm |
| JB Hi-Fi | Afterpay, Zip |
| Harvey Norman | Afterpay (gift cards only), Zip (online only) |
| Kogan.com | Afterpay, Zip, Klarna, Humm |
| Officeworks | Afterpay, Zip |
| MECCA | Afterpay |
| Sephora | Afterpay, Klarna |
Not sure about Buy Now Pay Later? A 0% credit card offer may be more your speed. To compare what’s available check out the table below or head to our Buy Now Pay Later hub for more info.
Compare interest-free credit card deals
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Citi Rewards - Balance Transfer and Purchases offer
Enjoy 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate. Earn up to 1 Citi reward Point per $1 on eligible transactions. Apply for a credit limit from $2,000 up to $100,000. Balance transfer fee applies. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.
Balance transfer rate
0% p.a. for 15 months and then 22.99% p.a. (2.00% balance transfer fee)Purchase rate
0% p.a. for 15 months then 22.49% p.a.Annual fee
$199CompareCompareRewards - Balance Transfer and Purchases offer
Enjoy 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate. Earn up to 1 Citi reward Point per $1 on eligible transactions. Apply for a credit limit from $2,000 up to $100,000. Balance transfer fee applies. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.
- Balance transfer rate
- 0% p.a. for 15 months and then 22.99% p.a. (2.00% balance transfer fee)
- Purchase rate
- 0% p.a. for 15 months then 22.49% p.a.
- Annual fee
- $199
- Purchase rate
- 0% p.a. for 15 months then 22.49% p.a.
- Intro purchase rate
- 0% p.a. for 15 months
- Balance transfer rate
- 0% p.a. for 15 months and then 22.99% p.a. (2.00% balance transfer fee)
- Cash advance
- 22.99% p.a.
- Interest free days on purchases
- Up to 44
- Intro fee
- -
- Foreign exchange margin
- 3.40%
- Annual card fee
- $199
- Late payment fee
- $30.00
- Cash advance fee
- 3.5%, min $3.50
Read reviews and learn more about Citi credit cards
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Westpac Flex Card
Balance transfer rate
No current offerPurchase rate
0% p.a.Annual fee
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.CompareCompareFlex Card
- Balance transfer rate
- No current offer
- Purchase rate
- 0% p.a.
- Annual fee
- $120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
- Purchase rate
- 0% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- -
- Interest free days on purchases
- -
- Intro fee
- -
- Foreign exchange margin
- 0%
- Annual card fee
- $120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
- Late payment fee
- $0.00
- Cash advance fee
- n/a
Read reviews and learn more about Westpac credit cards
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NAB StraightUp Card
Pay no interest and no late payment fees, just a $20 monthly fee for a $3,000 credit limit. If you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Pay no foreign currency fees when you buy online or overseas.
Balance transfer rate
No current offerPurchase rate
n/aAnnual fee
$360 $30/month - waived if no spend & no balance owingCompareCompareStraightUp Card
Pay no interest and no late payment fees, just a $20 monthly fee for a $3,000 credit limit. If you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Pay no foreign currency fees when you buy online or overseas.
- Balance transfer rate
- No current offer
- Purchase rate
- n/a
- Annual fee
- $360 $30/month - waived if no spend & no balance owing
- Purchase rate
- n/a
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- -
- Interest free days on purchases
- Up to 0
- Intro fee
- -
- Foreign exchange margin
- 0%
- Annual card fee
- $360 $30/month - waived if no spend & no balance owing
- Late payment fee
- $0.00
- Cash advance fee
- n/a
Read reviews and learn more about NAB credit cards
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Community First Bank n0w Credit Card
Balance transfer rate
No current offerPurchase rate
n/aAnnual fee
$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.CompareComparen0w Credit Card
- Balance transfer rate
- No current offer
- Purchase rate
- n/a
- Annual fee
- $228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
- Purchase rate
- n/a
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- 0% p.a.
- Interest free days on purchases
- Up to 0
- Intro fee
- -
- Foreign exchange margin
- 3.00%
- Annual card fee
- $228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
- Late payment fee
- $0.00
- Cash advance fee
- 3.0
Read reviews and learn more about Community First Bank credit cards
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