The Future of Shopping
Enjoy the ultimate spending account with instant Cash Bonuses & Buy Now Pay Later. Use our free app to spend and save up to 5% at restaurants, retail, hotels & more.
Cash Bonuses
Literally extra spending money! When you add money to your PremPay account we add up to 5% extra to your balance. You add $100, we add an extra $5.00… Complete challenges to unlock the highest cash bonus.
Buy Now Pay Later
Making a big purchase? Our BNPL service acts as the perfect supplement to your account.
For example, you want to buy an item worth $500. You have $300, we give you a $15 (5% extra) cash bonus, and you use BNPL for the last $185.
Pay us back in 4 interest-free installments over 4 weeks.
PremPoints
PremPoints (Gold & XP) are our internal currency. The more XP you have, the better your cash bonuses become. You can also unlock the PremPay shop for $15/y. Claim lots of cool items using Gold!
Earn PremPoints by completing challenges.
Easy to use
Pay with your phone in 10 seconds. Scan your member code using the app at any PremPay partner store. Or select the PremPay checkout online. Then enter your PIN, and save! Add to or take back from your balance as much as you want at any time.
How it works
- 1. Download the free PremPay app on your phone and create an account. (coming soon)
- 2. Add money to your account with a simple bank transfer. You can also take your money back out at any time.
- 3. We then add our initial cash bonus to your balance! An extra 1.5% in your account.
- 4. Scan your member code using the app at any PremPay partner store. Or select the PremPay checkout online.
- 5. Enter your PIN to confirm the payment. Save and earn PremPoints.
- 6. Complete challenges to increase your cash bonus (up to 5%), earn spending money, and PremPoints!
Key Features
Cash Bonus
When you add money to your PremPay account we add an extra 1.5% to your balance. From here you can complete challenges to earn better cash bonuses (up to 3%). See challenges.
Risk Free Credit
Set up a credit account and never worry about credit debt. Just send us a deposit equal to 10% of your credit limit.
Easy to use
Pay with your phone in 10 seconds. Scan your member code using the app at any PremPay partner store. Or select the PremPay checkout online. Then enter your PIN, and save! Add to or take back from your balance as much as you want at any time.
Rewards points
From $10 per year, users can earn rewards points when they spend. We have a similar rewards system to your favourite credit cards so you can be rewarded for spending without having to take on debt.
Choose your account
Prem team
Free + friend bonus
Sign up for an account with friends!
- Up to 5% cash bonus!
- Set up Buy Now Pay Later
- Add and take out money whenever you want.
- Access to monthly deals.
- Earn PremPoints when you spend
- Get $5 added to your accounts per friend you sign up with.
- Free access to the PremPay shop for 1 year
Prem Bonus
Free
Sign up for an account.
- Up to 5% cash bonus!
- Set up Buy Now Pay Later
- Add and take out money whenever you want.
- Access to monthly deals.
- Earn PremPoints when you spend.
- Friend bonus
- Free access to the PremPay shop for 1 year
Prem Rewards
$10/year
Receive cash bonuses and earn rewards points.
- Up to 3% cash bonus
- Add and take out money whenever you want.
- Access to monthly deals.
- Earn rewards points when you spend. $0.01 per $ spent.
- Friend bonus
Rewards plus
$50/year
Receive cash bonuses and earn Plus rewards points.
- Up to 3% cash bonus
- Add and take out money whenever you want.
- Access to monthly deals.
- Earn Plus rewards points when you spend. $0.02 per $ spent.
- Friend bonus
FAQ's
No. It is completely free to make an account, receive cash bonuses, and use BNPL.
We operate in New Zealand. You can spend with PremPay at any of our partner stores, including many retail stores and restaurants. An initial list of our partners will be released before we launch.
We utilise a unique business model and work exclusively with businesses that offer the best quality in their industry. This allows us to offer our users superior benefits such as instant cash bonuses!
Join the waitlist
Be notified when we launch and get $10 added to your account after you sign up.