Zip Visa gift cards are merchant category restricted Visa gift cards that work similarly to Category Choice, ShopBack category and Cashrewards category gift cards, all of which are produced by Blackhawk Network.
There are currently five gift cards included in the Zip Visa range: Groceries, Fuel, Department Store, Tradie and Vets & Pets gift cards.
Summary
You can:
- Use each Zip Visa gift card at almost any business that corresponds to the theme of the gift card (e.g. you can use the Zip Visa Groceries gift card at Woolworths, Coles etc)
- Sometimes earn cashback when you buy Zip Visa category gift cards
You cannot:
- Use a Zip Visa gift card at a merchant category that isn’t supported by that specific card (e.g. you can’t use the Tradie gift card at Woolworths)
Types of Zip Visa category gift cards
See below for a list of supported merchant category codes for each Zip Visa category gift card.
| Gift Card | Merchant Category Code(s) |
|---|---|
 Zip Department Store | 5251: Hardware Stores 5311: Department Stores 5331: Variety Stores 5611: Men’s and Boys’ Clothing and Accessories Stores 5621: Women’s Ready to Wear Stores 5732: Electronic Sales 5941: Sporting Good Stores 5942: Book Stores 5912: Drug Stores, Pharmacies Unofficial: 5310: Discount Stores |
 Zip Fuel | 5013: Motor Vehicle Supplies and New Parts 5532: Automotive Tyre Stores 5533: Automotive Parts, Accessories Stores 5541: Service Stations (with or without Ancillary Services) 5571: Motorcycle Shops and Dealers 7531: Automotive Body Repair Shops 7538: Automotive Service Shops |
 Zip Groceries | 5411: Grocery Stores, Supermarkets 5499: Miscellaneous Food Stores: Convenience Stores, Markets, Specialty Stores Unofficial: 5300: Wholesale Clubs |
 Zip Tradie | 5072: Hardware Equipment and Supplies 5198: Paints, Varnishes and Supplies 5200: Home Supply Warehouse Stores 5231: Glass, Paint, Wallpaper Stores 5251: Hardware Stores |
 Zip Vets & Pets | 0742: Veterinary Services 5995: Pet Shops: Pet Food and Supplies 6300: Insurance Sales, Underwriting and Premiums |
In addition to the officially supported merchant category codes, there may be some instances where additional MCCs are also supported. For example, the Zip Department Store gift card reportedly works at ‘5310: Discount Stores’ (e.g. Kmart, Target, The Reject Shop).
Promotions
In late 2024, Zip ran some 10% cashback promotions on selected Zip Visa gift cards. Since then, we’ve only seen a handful of much less impressive offers where you could earn 1-2% cashback.
