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ANZ Visa payWave – Contactless Payment Technology

Got an ANZ credit card? Here’s how you can use it to make contactless payments at checkout.

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Fact checked

ANZ allows you to make contactless payments with Visa payWave when you have an ANZ credit card or Visa debit card. Here's how it works.

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How do I use ANZ Visa payWave?

So long as your ANZ credit or Visa debit card has the symbol on the right, you should be able to use it for contactless purchases. There's no need to do any special activation process: if you can use your card normally, you can use it for contactless purchases, too.

Using it for payment is quick and easy:

  1. Check acceptance. Make sure the payment terminal is able to accept contactless payments and that you're being charged the correct amount.
  2. Tap/hold to pay. Hold your card within a couple of centimetres of the payment terminal.
  3. Wait for confirmation. Once the machine beeps, you can remove your card. If the amount paid is over $100, you'll be required to enter your PIN or sign for confirmation.

How do I get payWave on my phone with an ANZ card?

Allowing your phone or other device to make contactless payments is done through a third-party app. Install one of these apps, enter your ANZ card details and set the desired app as your default "tap and pay" app.

The following tap and pay apps support ANZ credit and debit payWave cards:

  • Apple Pay (compatible with iPhone, Apple Watch and other Apple devices)
  • Google Pay (compatible with Android devices running Lollipop 5.0 or higher)
  • Samsung Pay (compatible with Samsung devices newer than S6)
  • Fitbit Pay
  • Garmin Pay

For specific instructions on how to set up your card with the above apps, log in to your mobile wallet app or see ANZ's mobile payment page.

How secure are ANZ contactless payment options?

With ANZ, your credit card has a number of security measures to help protect you against fraud:

  • ANZ Falcon anti-fraud. ANZ has a team working 24/7 to monitor your card for suspicious transactions. They'll first attempt to contact you to confirm you made the transactions and then may proceed to freeze your account until it has been confirmed.
  • Fraud money back guarantee. Any loss you suffer as a result of fraud will be fully credited back to you as long as you weren't responsible for it and let ANZ know about it quickly.
  • Security microchips. Embedded microchips in your card make it hard for your details to be copied fraudulently when you make a transaction using your card's chip.

You also don't need to be worried about accidentally making a transaction when walking past a card reader. Your card has to be a few centimetres away from a payment terminal for a few seconds with a purchase pending to be charged.

If you're looking for more information on using an ANZ credit card, we have a Finder guide with details about all the features and options available.

Compare cards with Visa payWave

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
Bank of Melbourne Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 annual fee for the first year.
ANZ Low Rate
12.49% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
St.George Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Save with 0% p.a. interest rates on purchases and balance transfers. Plus a $0 first-year annual fee.
NAB Low Rate Credit Card
0% for 6 months, reverts to 12.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
St.George Rainbow Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
St.George Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 6 months
$99 p.a.
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 6 months and complimentary insurance covers.
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16 Responses

  1. Default Gravatar
    NichFebruary 22, 2017

    “Again, your purchase must be less than $100 if you want to wave your card. If the purchase is over $100, you will need to enter your PIN number or sign your name just as you always have.”

    What if someone knows the above info, and uses a stolen card to make multiple purchases at different retailers below $100? Is it then possible to set a daily limit to Paywave?

    Thank you

    • Avatarfinder Customer Care
      MayFebruary 23, 2017Staff

      Hi Nich,

      Thank you for your inquiry.

      ANZ bank has a team that is responsible for ANZ Falcon security. They are in charge of monitoring for any level of suspicious activity on your account. They’ll notify you immediately if there is something that seems suspiciously different to your normal level of spending. So long that you can verify that those transactions are fraudulent and you contact ANZ to notify about the questionable transactions, then you won’t be held liable for those charges and you can also get that money back in your account.

      You may contact ANZ bank to get more information about how you can be secured using the payWave facility.

      Cheers,
      May

  2. Default Gravatar
    JacquiApril 22, 2016

    My VISA paywave card won’t tap anymore! It doesn’t even recognise the card is there, so I have to swipe and pin everytime :(
    How do I get it to work again?

    • Avatarfinder Customer Care
      AllyApril 26, 2016Staff

      Hi Jacqui,

      I’m sorry to hear about that, but kindly take note that finder.com.au is an online comparison service that does not represent any credit card issuer such as ANZ.

      For that kind of concern, it would be best to contact ANZ’s customer service team for direct assistance.

      Their contact details can be found on the link that I sent to your email.

      I hope this has helped.

      Cheers,
      Ally

  3. Default Gravatar
    aimeeNovember 21, 2014

    No money in account but used wrong card so it debited my account. Will I be charged fees?

    • Avatarfinder Customer Care
      ElizabethNovember 21, 2014Staff

      Hi Aimee,

      Thanks for your question.

      ANZ may allow you account to be overdrawn, and yes you will be charged a fee. According to the ANZ website, if a payment or withdrawal would mean your account is overdrawn ANZ may allow the payment to be processed using the Informal Overdraft Facility. An Overdrawn fee of $6 applies for each ANZ Business Day the balance of your Informal Overdraft facility is more than $50 (up to a total of ten ANZ Business Days and a maximum amount of $60 per calendar month).

      I hope this has helped.

      Thanks,

      Elizabeth

  4. Default Gravatar
    ciaranAugust 25, 2013

    Hi. Can I use pay wave even if I have no money in my account?

    • Avatarfinder Customer Care
      JacobAugust 26, 2013Staff

      Hi Ciaran.

      Paywave is linked to your available credit or the money in your account. If you have no money in your account then Pay Wave will not work.

      Thanks for your question.

    • Default Gravatar
      StevenOctober 4, 2016

      Why did my paywave transaction get approved when i had a balance of $0.00?, not a very good safety feature. Its like having a credit card when i don’t want one.

    • Avatarfinder Customer Care
      MayOctober 5, 2016Staff

      Hi Steven,

      Thank you for your inquiry.

      For instances that your card went through for a transaction but you do not have enough balance on your account, ANZ may have allowed your account to be overdrawn. Such transaction is processed by ANZ using the Informal Overdraft Facility. I have sent you a link where you can find more information about this facility.

      Please keep in mind though that this facility can be switched off. You can contact ANZ if you do not want to use this service.

      Cheers,
      May

  5. Default Gravatar
    MuhainiMay 2, 2013

    Hi, If I have a cashback credit card from national bank could i change it to visa wave?

    • Avatarfinder Customer Care
      JacobMay 2, 2013Staff

      Hi Muhaini. Thanks for your question. Please consult the issuing bank for more information. Jacob.

  6. Default Gravatar
    LaurieApril 15, 2013

    Does the paywave work in UK and Europe?

    • Avatarfinder Customer Care
      JacobApril 15, 2013Staff

      Hi Laurie. Thanks for your question. You can use this feature of your card anywhere the displays the Visa PayWave symbol, both at international and domestic merchants. Jacob.

  7. Default Gravatar
    NoelJanuary 22, 2012

    Can I use Credit & Savings Accounts with “ANZ Contactless”?

    • Avatarfinder Customer Care
      JeremyFebruary 10, 2012Staff

      Hi Noel,

      Thanks for the question. From the ANZ website: “If you are an existing account holder of any of the following accounts, you should be eligible to have Visa payWave on your ANZ Visa credit card. – ANZ Balance Visa – ANZ First – ANZ Rewards – ANZ Frequent Flyer – ANZ Platinum – ANZ Rewards Platinum – ANZ Frequent Flyer Platinum. For MasterCard holders you should be eligible to have MasterCard Paypass enabled on your card.” While for ANZ Access Visa Debit Card holders: “you should be eligible to have ANZ Visa payWave enabled on your card.” Cheers.

      Jeremy

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
2.99% p.a. for 9 months
$79 p.a.
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.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.

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