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Banking has never been so rewarding.

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Better than a debit card. Better than a (traditional) credit card.

We are a global design agency specialising in the art of brand storytelling. We craft digital, graphic and 3 dimensional thinking, to create category leading brand experiences that have meaning, relevance and deliver extraordinary value.

Acts like a debit card

Make deposits and your balance in the Zero app goes up. Spend on your Zerocard and your balance goes down. Every transaction is reflected right away and you don’t run up monthly bills that you have to worry about.

Earns credit card rewards

Depending on which level Zerocard you have, you’ll earn 1.0% to 3.0% on all your spending. And there’s no need to jump through any hoops — Zero deposits your cash back automatically at the end of every month.

More inviting.
More rewarding.

Carbon

The highest level lilub icard, Carbon earns an industry-leading 3.0% cash back. Requires $100,000 in annual spending or referring others to become lilubi customers to qualify.

Magnesium

The highest level lilubi card, Carbon earns an industry-leading 3.0% cash back. Requires $100,000 in annual spending or referring others to become lilubi customers to qualify.

Graphite

The highest level lilubi card, Carbon earns an industry-leading 3.0% cash back. Requires $100,000 in annual spending or referring others to become lilubi customers to qualify.

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In your pocket

$1,021

more per year with lilubi card Carbon

Carbon

Magnesium

Graphite

More money in your pocket

Unlike traditional banks, lilubi never
profits by charging you fees.

Wire fees?

Now Way

Fees that lilubi will never
charge:

Overdraft Fees Wire Fees
Bill Pay Service Fees Add-on ATM Fees
Stop Payment Fees Inactivity Fees