apple-pay-feature

Credit cards with Apple Pay

Compare Australian credit cards that offer Apple Pay and learn how to make contactless payments with your iPhone.

Forget pulling your wallet out, Aussie card holders can now cut time at the check out with Apple Pay. The app allows you to make payments directly from your compatible iOS device including iPhones, iPads and Apple Watches. Similar to contactless credit cards, Apple Pay uses NFC (Near Field Communication) technology that’s built in your device, allowing you to simply tap it against the card reader to pay for your purchases without getting your card out.

Launched in the US in 2014, Apple Pay was first made available to Australians through American Express. Since then, ANZ has joined the Apple Pay ranks with its Visa, MasterCard and American Express products and the remaining big four banks are expected to join any time now.

Use our guide to compare the cards that offer Apple Pay and understand how you can use it to make secure and convenient payments. If you’d like a full overview of the mobile contactless payment options available, see our contactless payments guide.

Comparison of Credit Cards with Apple Pay

Rates last updated September 23rd, 2016.

ANZ First Visa Credit Card

A new offer of 0% p.a. for 18 months on balance transfers.

August 31st, 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

American Express Platinum Business Card

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

September 1st, 2016

View latest updates

Jonathan Choi Jonathan
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
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 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 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 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 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
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points. 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 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 Frequent Flyer
Receive 25,000 bonus Qantas Points after your first eligible purchase is made within 3 months of card approval.
1 0.5 Up to 44 days on purchases 19.99% p.a. $95 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
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval. Plus earn up to 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 Frequent Flyer Platinum
Get 50,000 bonus Qantas Points after your first eligible purchase is made within 3 months of card approval. 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 Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase in the first 3 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 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
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 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 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 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 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 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
ANZ Business Black
Receive 50,000 bonus points when you spend $10,000 within the first 3 months and get access to a range of premium rewards and travel benefits.
1 Up to 55 days on purchases 18.99% p.a. $450 p.a. Go to site More info
apple-pay-2

How does Apple Pay work?

Apple Pay works with any iOS device that offers Apple Pay compatibility. On the iPhone side of things, that includes the iPhone 7, iPhone 6, 6 Plus, 6S, 6S Plus and SE. It also works with the Apple Watch and some iPads. If you have a compatible Apple device, you can then use this contactless payment option with any of the following cards:

  • Eligible American Express–issued credit or charge cards
  • ANZ-issued Visa credit and debit cards
  • ANZ-issued American Express cards
  • ANZ-issued MasterCard credit cards

Before you can start using the app, you’ll need to store your eligible card details in the Wallet app.

How to add your card details to the Wallet app and set up Apple Pay

  1. If you’re using an iPad, open up Settings and tap “Wallet & Apple Pay”. If you’re using your iPhone or Apple Watch, open the “Wallet & Apple Pay” app.
  2. Select “Add Credit or Debit Card” and follow the prompts to enter your card information.
  3. Tap “Next”. Your bank will then verify your information to determine whether or not your card is compatible with Apple Pay. You may be asked to provide more details to verify your card. When you have the required information, go back to “Settings”, then “Wallet & Apple Pay” and tap your card.
  4. Wait for verification from your bank, then tap “Next”. You can now start using Apple Pay at participating outlets.

When you reach a terminal that shows the contactless payment symbol, there’s no need to open the app or wake up your display. Instead, your phone will use the internal NFC antenna to process the payment.

Simply hold your phone up to the contactless reader with your finger on the Touch ID. If you don’t have your fingerprint password activated, you’ll need to enter your password. Apple Pay can be used at any contactless payment terminal, so you should have no trouble finding places that accept mobile payments.

Is Apple Pay safe to use?

Apple Pay includes a range of features that protect your data and device. For example, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and safely stored in a dedicated chip in your Apple device known the Secure Element.

When you use Apple Pay to make a purchase, the Device Account Number and a transaction-specific dynamic security code are used to approve your payment. Unlike credit cards, every payment requires a Touch ID or a passcode, which reduces the chances of someone using your phone for payments if it’s stolen.

What if my device is lost or stolen?

If your iPhone or iPad is misplaced or stolen, you can use the “Find My iPhone” app to put your device in Lost Mode. This allows you to either suspend Apple Pay or to wipe your device clean. If you’ve synced your device with iCloud, you can log in to your iCloud account and select “Settings” to disable your phone from making payments with your credit or debit card.

Apple Pay may have only been introduced in Australia in late 2015, but it’s sure to become a popular contactless payment alternative over the next few years. If you don’t use an Apple device, you may want to consider options such as  Android Pay or Samsung Pay. Otherwise, you can also compare debit cards with contactless payment capability.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

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

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback