Credit cards with Android Pay

Information verified correct on September 23rd, 2016

woman using contactless paymentCompare credit cards with Android Pay and discover the convenience of paying with secure and contactless mobile payments at the checkout.

Google launched its Android Pay service in Australia in July 2016, following the earlier launches of Apple Pay and Samsung Pay. These contactless payment services allow you to use your phone (or other compatible device) to make tap-and-go purchases at the checkout.

Compare credit cards with Android Pay

Android Pay can be used with selected Visa, MasterCard and American Express credit cards from participating financial institutions, including ANZ, American Express, Bendigo Bank and Macquarie Bank. As Android Pay continues to grow and add partners, you can check back here for updates, or refer to your bank’s website for specific information on eligible cards.

Credit Cards with Android Pay

Rates last updated September 23rd, 2016.

ANZ Platinum Credit Card - Exclusive Offer

Exclusive $200 back when you spend $500 on eligible purchases within the first 3 months

August 31st, 2016

ANZ Platinum Credit Card

New balance transfer offer of 0% p.a. for 18 months plus annual fee waiver in the first year.

August 31st, 2016

American Express Platinum Business Card

The 100,000 Membership Reward Points offer has been extended until 3 October 2016.

September 1st, 2016

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Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 Up to 55 days on purchases 14.99% p.a. $0 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy a low annual fee, interest-free days on purchases and a low minimum credit limit.
0 0 Up to 44 days on purchases 19.74% p.a. $30 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy 0% p.a. for 12 months on balance transfers and receive a complimentary Virgin Australia domestic economy return flight every year.
1 0 Up to 55 days on purchases 20.74% p.a. $195 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0 0 Up to 44 days on purchases 0% p.a. for 3 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
0 0 Up to 55 days on purchases 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
1 0 Up to 51 days on purchases $1,200 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
1 Up to 44 days on purchases 20.74% p.a. $99 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 Up to 44 days on purchases 20.74% p.a. $349 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 Up to 44 days on purchases 20.74% p.a. $0 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy 50,000 bonus Qantas Points when you meet the minimum spend requirement and earn up to 3 Qantas Points for every $1 spent. Also enjoy a complimentary return flight every year.
1 0 Up to 44 days on purchases 20.74% p.a. $450 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 Up to 44 days on purchases 20.74% p.a. $249 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
1 0 Up to 44 days on purchases 20.74% p.a. $0 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
2 1 Up to 55 days on purchases 20.24% p.a. $225 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points after you make your first eligible purchase within 3 months of card approval plus earn 1.5 points per $1 spent. Easier payments with Apple Pay.
1.5 0.75 Up to 55 days on purchases 19.99% p.a. $425 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points after first eligible purchase is made within three months. Earn up to 1.5 Qantas Points per $1 spent on purchases.
1.5 0.5 Up to 55 days on purchases 19.99% p.a. $295 p.a. Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points after your first eligible purchase is made within 3 months of card approval, enjoy easy payments using Apple Pay and earn 1 Qantas Point per dollar spent.
1 0.5 Up to 44 days on purchases 19.99% p.a. $95 p.a. Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
3 1.25 Up to 55 days on purchases 18.79% p.a. $375 p.a. Go to site More info
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn up 2 Reward Points for every dollar spent on purchases.
2 1 Up to 55 days on purchases 18.79% p.a. $95 p.a. Go to site More info
ANZ Rewards Credit Card
Get 25,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn 1.5 points per dollar spent.
1.5 0.75 Up to 44 days on purchases 18.79% p.a. $80 p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest free with 0% p.a. for 18 months on balance transfers.
Up to 55 days on purchases 13.49% p.a. $99 p.a. Go to site More info
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate.
0 0 Up to 55 days on purchases 13.49% p.a. $58 p.a. Go to site More info
David Jones American Express Platinum Card
Earn 40,000 Membership Rewards points when you spend outside of David Jones 3 times in the first month.
1 Up to 44 days on purchases 20.74% p.a. $295 p.a. Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
0 0 Up to 44 days on purchases 19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
American Express Gold Business Card
Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
1 0 Up to 51 days on purchases $169 p.a. Go to site More info
American Express Business Card
One of the original charge cards from American Express the offers complimentary insurances including purchase protection and accident cover.
1 0 Up to 51 days on purchases $109 p.a. Go to site More info
American Express Platinum Business Card
Better track and manage your business expenses with the American Express Platinum Business Card. Receive 100,000 bonus points and earn 2 points for every dollar spent up to 375,000, reverting to 1 point for every dollar thereafter.
1 0 Up to 51 days on purchases $1,500 p.a. Go to site More info
American Express Velocity Business Card
This is a rewarding business card with no pre-set spending limit, Velocity Points earning and up to 51 days interest-free on purchases.
1 0 Up to 51 days on purchases $249 p.a. Go to site More info
American Express Qantas Business Credit Card
Up to 51 days interest-free on purchases plus earn 1 Qantas Point per dollar spent on eligible purchases.
1 Up to 51 days on purchases $299 p.a. More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Up to 55 days on purchases 20.74% p.a. $395 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
0 0 Up to 55 days on purchases 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

How does Android Pay work?

Android Pay uses the NFC (Near Field Communication) chips found in many Android smartphones to allow cardholders to make payments directly from their phone. Instead of getting out your wallet and credit card, you simply unlock your phone and tap it on contactless terminals. If your card is connected to a loyalty program, any eligible purchases you make with Android Pay will automatically earn points for your rewards account. You can also use Android Pay to make payments online.

Android Pay currently works with contactless MasterCard, Visa and American Express credit and debit cards. However, Google is also looking to integrate it with EFTPOS, which could broaden the types of accounts you could use with Android Pay.

Android-pay-coming-to-Australia-2016

Which banks support Android Pay?

Android Pay initially launched with 28 bank partners in Australia and has continued to add partners since then. The table below outlines the participating banks and financial institutions.

Banks with Android Pay
ANZ (Visa, Amex, MasterCard Credit/ Debit cards)First OptionPolice Bank
American Express (Cards issued by Amex)Goulburn Murray Co-OpQT Mutual
Bank AustraliaHoliday Coast Credit UnionQueenslanders Credit Union
Bank Of SydneyHorizon Credit UnionThe Rock
Bendigo Bank (Visa/ MC, Credit/ Debit)Illawarra Credit UnionSelect ENCOMPASS Credit Union
Beyond Bank AustraliaING DIRECTSouth West Slopes Credit Union
Big Sky Building Society LimitedIntechSydney CU
CAPE Credit Union LimitedLaboratories Credit Union LimitedTeachers Mutual Bank
Catalyst MoneyMacquarie (Visa / MC, Credit / Debit)The Mac
Central West Credit UnionMaritime, Mining & Power Credit UnionWAW Credit Union
Community First Credit UnionMyState BankWoolworths Employees’ CU
Credit Union AustraliaNorthern BeachesWyong Shire Credit Union
Defence BankNorthern Inland
EECU LtdPeople’s Choice Credit Union

Is Android Pay safe to use?

Android Pay uses the same technology as contactless credit cards and is just as secure at the checkout. In fact, Android Pay could be considered more secure as it doesn’t send your credit or debit card number with your payment. Instead, it uses an encrypted virtual account number to represent your account details. This means that your card details aren’t stored on your phone or on the Android Pay app.

If you do suspect any suspicious activity on your account, you can also use the Android Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity.

If your card is lost or stolen, you can also use Android Device Manager to instantly lock your phone from anywhere, secure it with a new password or wipe it clean of your personal information. These features prevent anyone from using your phone for contactless payments.

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Credit Cards Comparison

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

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