Where can I use Buy Now Pay Later for Christmas?

two girls christmas shopping using buy now pay later

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: 

RetailerBuy Now Pay Later platforms/s
MyerAfterpay, Humm
David JonesAfterpay
KmartAfterpay, Zip
TargetAfterpay, Zip
Big WAfterpay, Zip
BunningsZip
THE ICONICAfterpay, Zip (gift cards only)
ASOSAfterpay, Klarna
Cotton OnAfterpay, Zip (online only), Klarna, Humm
CatchAfterpay, Zip
AmazonAfterpay (gift cards only), Zip
Bing LeeAfterpay, Zip, Humm
JB Hi-FiAfterpay, Zip
Harvey NormanAfterpay (gift cards only), Zip (online only)
Kogan.comAfterpay, Zip, Klarna, Humm
OfficeworksAfterpay, Zip
MECCAAfterpay
SephoraAfterpay, 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 - rates updated daily

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
  • Apply By 30 June 2022
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    St.George No Annual Fee

    0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply.

    Balance transfer rate
    Purchase rate
    Annual fee
    No current offer
    0% p.a. for 12 months then 20.74% p.a.
    $0
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    Details
  • placeholder
    NAB StraightUp Card

    $10/month - $1,000 Credit Limit

    Pay no interest and no late payment fees, just a $10 monthly fee for a $1,000 credit limit. Plus, 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. Also pay no foreign currency fees when you shop online or overseas.

    Balance transfer rate
    Purchase rate
    Annual fee
    No current offer
    0% p.a.
    $120 $10/month - waived if no spend & no balance owing
    Go to site
    Details
  • Apply By 30 June 2022
    placeholder
    BankSA No Annual Fee

    0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply.

    Balance transfer rate
    Purchase rate
    Annual fee
    No current offer
    0% p.a. for 12 months then 20.74% p.a.
    $0
  • placeholder
    NAB StraightUp Card

    $15/month - $2,000 Credit Limit

    No interest and no late payment fees, just a $15 monthly fee for a $2,000 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.

    Balance transfer rate
    Purchase rate
    Annual fee
    No current offer
    0% p.a.
    $180 $15/month - waived if no spend & no balance owing
    Go to site
    Details

^See information about the Mozo Experts Choice Buy Now Pay Later Awards

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