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How to use your credit and debit cards to tap on public transport

Amex, Visa and Mastercard cardholders can ditch their Opal cards to tap on and off ferries and light rail trips in Sydney.

In March 2018, Opal gave Sydney commuters a new way to tap on and off with a contactless payments trial. You can pay for Adult Opal single trip ticket fares on Sydney Ferries and Inner West Light Rail services by tapping their American Express card, Mastercard credit card or debit card and mobile wallet at the Opal reader. For Mastercard and Visa cardholders, you can take advantage of this new partnership regardless of which institution you bank with.

If your card is linked to a digital wallet on your smartphone or another device, you can also use this to tap on at the Opal reader.

Not only does it mean that your wallet may be lighter, it also means you won’t be stranded without a means of tapping on and off if you leave your Opal card at home or if you're travelling interstate. Plus, if you’re using a frequent flyer or rewards credit card, you can also earn points on every $1 you spend on your travel costs.

Compare Visa, Mastercard and American Express credit cards

Rates last updated April 22nd, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 14 months
Platinum Credit Card with a Low Interest Rate *
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
Up to 44 days on purchases
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
Up to 75,000 bonus Velocity Points Offer*
Earn up to 75,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
Bonus Qantas Points Offer*
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months
0% p.a. Balance Transfer Offer*
A low rate card offering 0% p.a. on balance transfers for 18 months and a competitive purchase rate.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
Up to 44 days on purchases
$50 p.a.
0% p.a. for 18 months
Ongoing Annual Fee Discount & Bonus Points
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
NAB Low Rate Platinum Card
0% p.a. for 15 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$100 p.a.
0% p.a. for 6 months with 2% balance transfer fee
Platinum Credit Card with an introductory Purchase Offer*
Enjoy a 0% p.a. interest rate offer on purchases for 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
Long-Term Balance Transfer Offer*
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$45 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Low Rate with 0% p.a. Balance Transfer Offer*
A no-frills card with a competitive annual fee, a low purchase interest rate of 11.99% p.a. and an 18-month balance transfer offer.
Citi Rewards Platinum Credit Card - Exclusive Bonus Points Offer
20.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
Exclusive 100,000 Bonus Points Offer*
Enjoy 100,000 bonus Citi reward Points when you spend $3,000 within the first 90 days. Plus, save with a $49 first year annual fee.
St.George Vertigo Platinum
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
Low Rate Platinum Credit Card Offer
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 13 months
0% p.a. Purchase & Balance Transfer Offers*
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
Discounted First Year Annual Fee & Balance Transfer Offer*
Save with a 0% balance transfer offer and get up to 60,000 bonus points. Plus, a $49 first year annual fee when you apply online.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
Intro Balance Transfer Rate with No Annual Fee
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.
St.George Vertigo Classic - Online Offer
0% p.a. for 14 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 6 months
Online only: Low rate card offering 0% p.a. interest on purchases for the first 14 months. Plus, a $0 first year annual fee.
28 Degrees Platinum Mastercard
21.99% p.a.
Up to 55 days on purchases
$0 p.a.
International Shopping Credit Card
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes, global wifi access and a concierge service.
Bankwest Breeze Classic Mastercard
0% p.a. for 6 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
0% p.a. for 26 months Balance Transfer Offer*
Pay 0% p.a. interest on purchases for the first 6 months and 0% p.a. on balance transfers for 26 months. Plus, a $0 first year annual fee.
St.George Amplify Signature - Qantas
19.74% p.a.
Up to 55 days on purchases
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
0% p.a. for 6 months
Reduced First Year Annual Fee & Bonus Points Offer*
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
Up to 45 days on purchases
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Bonus Points and Annual Fee Offer*
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Amplify - Online Offer
0% p.a. for 14 months (reverts to 19.74% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
0% p.a. for 6 months
0% Purchases and Balance Transfers with First Year Annual Fee Offer
Online only: Save with $0 first year annual fee and 0% p.a. on purchases and balance transfers. Plus earn uncapped Amplify or Qantas Pts/$1 spent.
Citi Rewards Platinum Credit Card - Balance Transfer Offer
20.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 26 months with 1.5% balance transfer fee
Balance Transfer and First Year Annual Fee Offer
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus $0 annual fee for the first year.
Citi Rewards Platinum Credit Card - flybuys Offer
20.99% p.a.
Up to 55 days on purchases
$99 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 12 months
75,000 bonus flybuys Points Offer*
Earn 75,000 flybuys bonus points. Plus, save with a reduced first year annual fee and 0% balance transfer offer.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Low Purchase Rate & Balance Transfer Offer*
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Latitude Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$69 p.a.
Low Rate Credit Card Offer*
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 6 months
0% for 14 months Purchase Offer with Virgin Australia Gift Voucher*
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.

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As you can only use your card for eligible Adult Opal single trip ticket fares, you won't be able to take advantage of the usual weekly discount travel reward once you've completed eight paid journeys between Monday and Sunday if you pay with your debit or credit card rather than your Opal card.

For Amex, this partnership further cements its position as a leader in contactless payments in Australia. It was also the first card issuer to offer all three major mobile wallets (Apple Pay, Samsung Pay and Google Pay) to its customers. Amex says this is just the latest initiative to give cardholders more convenient ways to use their cards.

"In the last year, American Express mobile wallet transactions have more than doubled and we expect this trend to continue as more places accept American Express contactless payments,” said Amex Vice President of Consumer Cards, Austin Huntsdale. “Our work with Transport for NSW is a great example of our commitment to growth in contactless acceptance in Australia.”

As our lives become increasingly more digital, the initiative is also a reaction to consumer behaviour and our movement towards a cardless and cashless society.

“Australians have a keen appetite for new ways to pay, including via smartphones and wearables, both of which can now also be used to pay for public transport," said Visa's head of product Axel Boye-Moller. "Recent Visa research found 8 in 10 people would be comfortable using a smartphone for every day payments and 23% of Australians would likely use a smartwatch or other wearable for everyday payments, if they had one."

This partnership also follows Mastercard's successful six month trial in which commuters could use their credit or debit cards to tap on and off the F1 Manly to Circular Quay ferry service in 2017.

“The trial, which began in July 2017, has been a great success and demonstrates how we can apply and adapt technology to simplify customer experiences," said Mastercard division president for Australasia Richard Wormald.

Unfortunately, you can only use your bank card to tap on and off with Sydney Ferries and Inner West Light Rail services at the time of launch. However, there are plans to expand to other modes of public transport in NSW and across Australia in the future.

"We are looking forward to rolling out similar solutions in other states and making Australian cities more connected,” said Wormald.

In 2016, finder reported that NSW Transport was trialling a system that allowed commuters to tap on with credit and debit cards rather than their Opal. Although it hasn’t confirmed any further plans to roll out this system, Amex, Visa and Mastercard's partnership with Transport NSW is likely just the first of many alliances that will give commuters more ways to pay from now on.

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Pictures: American Express and Mastercard

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