Have you heard of the cashback site, Zilch? The name might not sound like anything, but would you like to earn up to 5% cashback on everything you buy online when you buy your purchase in full, without a buy now pay later installment plan?

The only downside to Zilch is the fact that you have to sign into the app or website EVERY TIME you want to make a purchase online, as you will need to know your virtual Mastercard number, expiry code, and back three digits. Using your virtual card in store is easy, as you simply add your virtual Zilch Mastercard to your Google, Apple Pay or Samsung Wallets, enable NFC on your smartphone, and tap & pay (contactless).

What makes Zilch different?

    1. Earn 500 rewards points just for signing up. This is equivalent to £5 to spend in your favourite store. Choose from thousands of online or in-store retailers. Sign up here.
    1. Enter your name, email, and address.
    1. You will be given a spending allowance. If your credit history is good and you want a ‘raise’ then add your bank account and let Zilch do a credit check.
    1. Verify your email address.
    1. Add a debit card.
    1. Add a picture of your ID. This could be from a driver’s licence, passport or ID card. After this you will be asked to give permission for your card to take a selfie. This is to check whether the ID picture matches your selfie.
    1. Once verification is complete. which can take up to 5 days, and you have made your first tap & pay (contactless) payment, you’ll have instant access to your £5 reward.
    1. Each time you click on a merchant at the Zilch website or app, you will be asked whether you want to pay over six weeks, or pay now. Choose your terms and enter through to the merchant.
    1. You will need regular access to your virtual Zilch Card (MasterCard) so try to memorise this, if you can. Each time you want to make a purchase online or in store, find the merchant in the Zilch app or Zilch website, and when it comes time to pay, use your Zilch Mastercard (paid from your Debit Card) to pay over six weeks (which can have £3 fees) or pay now, earn up to 5% cashback every time.
    1. Please note, that if you choose a buy now pay later option, pay over six weeks, you will not earn cashback on your purchase.
GET THE ZILCH CARD*

So you love the thought of earning £5 when you sign up?

You will also love the fact that you will get your own referral URL link, which can be shared anywhere, and if someone clicks on your link and signs up and makes their first tap & pay, they will earn £5 too, and you will earn £5 in Zilch reward points. It’s a win-win situation with this cashback website.

NOTE: Zilch changed their T&C of their referral reward, as you didn’t always have to use tap & pay to earn your 500 Zilch reward points, and tap & pay or contactless may be difficult for some people to use on their phone, but as long as you have NFC on your phone you can make contactless payments.

* the Zilch card is a virtual Mastercard.