Zero Card

Apply in-store or online today for an amazing way to save

The Lowes Zero Card take home lay-by is the only card that offers 5% instant saving and 5% rewards.

No interest ever or monthly fees if account is paid in full by the end of the month. A low $5 monthly fee if there is a balance at the end of the month.

Benefits and features of an Lowes Zero take home layby

  • Save 5% on all purchases, this includes items that are already reduced
  • 5% rewards on all transactions
  • Take the goods home today
  • No interest ever
  • A low $5 fee if you have a balance at the end of the month
  • Exclusive shopping specials and promotion offers
  • $10 set up and annual fee with $10 in your rewards points every year to redeem on your next visit
  • Rewards points never expire and can be redeemed when you want
  • Great for buying Schoolware
  • Additional cards on account upon request at no charge

How to apply?

Find your nearest store and apply in person.
Click here to apply online for your Zero Card.
Or Call Zero Card on 1300 156 937 or Email us on

Download Forms

Zero Card Terms & Condition