Applying for a Zempler Credit Card

You can  apply if you have received either a postal or email invitation.

For a postal invitation, follow the steps to apply online. If you’ve received an offer from us via email, follow the personalised link we included in the email. Note: applications are subject to status checks and you may not be approved. 

Remember, it’s important that you read the Summary Box and Pre-Contract Credit Information before applying to understand the Agreement you’ll be entering into. If you have any questions about our credit card, you can call our Customer Service team.

If you’re approved for a Zempler Credit Card and have accepted the Credit Agreement, you should receive your card in 3-5 business days.

This will depend on factors such as your credit history and financial circumstances. We’ll perform credit checks before making a decision, and a hard search will show on your credit record. 

This means that if you also apply for credit elsewhere, other lenders may be able to tell if you were accepted or declined with your Zempler Credit Card application.

You can see how likely you are to be approved for a credit card with our eligibility checker. Using the eligibility checker won’t impact your credit score or guarantee you’ll be approved for a credit card. You must receive a credit card offer to be eligible to apply. 

As part of the application process, we need to be sure that you can afford to make at least the minimum payment and be able to repay the remaining balance. 

We recommend that you always try to pay more than the minimum amount. It’s important to try and clear the whole balance as early as possible, to keep interest and charges to a minimum. 

A credit card’s not suitable for long term borrowing. If you’re looking to buy an expensive item, and repay over a longer period, a loan may be a better option.

The credit limit and interest rate that we offer you varies, as it’s based on information you provide us, your credit score and credit history.

We’ll confirm the maximum amount we can offer you in your offer email or letter, and the exact amount during the sign up process based on the information provided. 

You can see how likely you are to be approved for a credit card with our eligibility checker. Using the eligibility checker won’t impact your credit score or guarantee you’ll be approved for a credit card. You must receive a credit card offer to be eligible to apply. 

See your credit agreement or statement for confirmation of your credit limit.

Once you have your Zempler Credit Card, you may be eligible to increase your credit limit. If you have opted in to receive Zempler marketing communications, we’ll send you an email invitation to increase your limit if you’re eligible.

At Zempler Bank we’re committed to responsible lending.

We aim to be completely clear and open about any charges involved with using our credit card. We lend only what you can afford and offer a limit that meets both your needs and your ability to manage your repayments. However, you must also borrow responsibly and be honest with us about your income and outgoings. If your circumstances change, please call our Customer Service team.

Yes. If you don’t want or need it at this time, ignore the offer. If you don’t want to receive further Credit Card marketing offers,  let us know by email at [email protected]. 

You’ll still receive servicing communications from us, in relation to any other products or services we provide you with, which may include email and SMS.