When is the Apple Card credit card coming to Australia?

What you need to know about the credit card that integrates with your iPhone.

Last updated:

Apple Card represents tech giant Apple's first move into the credit cards space. Building on the existing Apple Pay feature for contactless payments (which is already supported on many credit cards in Australia), the Apple Card is a credit card that's tightly integrated into the Wallet app on iPhones.

When will Apple Card be available in Australia?

Apple has not yet announced any plans for releasing the Apple Card outside the US. We'll update this page if and when Australian plans are announced. In the meantime, your closest option is a credit card that offers cashback and can integrate with Apple Pay.

In the US, Apple Card is expected to debut in mid-2019.

Here's what we know about Apple Card so far:

  • Integrated with Apple Pay. Apple Card works via the existing Wallet app on iPhones that lets you use Apple Pay. You apply for the card through the Wallet app and transactions show up in real time on your phone.
  • A numberless titanium card. Cardholders will be supplied with a physical card (for use with retailers that don't support Apple Pay). Unusually, it won't feature either a credit card number or CVV, which is a move designed to improve security. If you need to look those up to enter online, you'll find them stored in the Wallet app on your iPhone.
  • Daily Cash for cashback rewards. Apple Card will offer cashback payments on every purchase you make on the card. Purchases made using Apple Pay will earn 2% of the value of the purchase. Purchases from Apple earn 3%, while purchases with the physical card get 1%. Apple Card won't let you earn frequent flyer points or integrate with other rewards schemes.
  • No annual fee, foreign currency conversion fees or late fees. Apple is heavily promoting the "no-fees" aspect of the card. Important point: while there are no late fees as such, you will be charged additional interest if you don't make payments on time.
  • Spending tracker. The Apple Wallet will automatically categorise all your spending and show you where the spending happened using integration with Apple Maps.
  • Security features. Credit card numbers will be issued per device and will need to be authorised with Touch ID or Face ID. Apple has stated that it will not be able to see what you buy or where you buy it.

As of March 2019, the advertised interest rate for the US version of the card varies from 13.24% p.a. to 24.24% p.a., based on creditworthiness. We'd always recommend comparing the interest rates before signing up for a card, to make sure you're not paying over the odds.

Compare credit cards with cashback offers and Apple Pay

Rates last updated August 24th, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Product Description
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
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
Citi Rewards Classic Credit Card
20.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 15 months with 1.5% balance transfer fee
Earn Points per $1 spent and up to $50 cashback when you meet the spend criteria. Plus, a 15 per month balance transfer offer.
ANZ Frequent Flyer Platinum
20.24% p.a.
Up to 55 days on purchases
$295 p.a.
Receive 50,000 bonus Qantas Points and $100 back to your card when you spend $2,000 on eligible purchases within 3 months.
ANZ Rewards Black Credit Card
20.24% p.a.
Up to 55 days on purchases
$375 p.a.
Receive 100,000 bonus Reward Points and $100 back onto your card when you spend $4,000 within the first 3 months, plus, lounge passes.
ANZ Frequent Flyer Black
20.24% p.a.
Up to 55 days on purchases
$425 p.a.
Earn 100,000 bonus Qantas Points & $200 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
ANZ Rewards Platinum
20.24% p.a.
Up to 55 days on purchases
$95 p.a.
Receive 50,000 bonus Reward Points and $50 back onto your card when you spend $2,000 on eligible purchases in the first 3 months.
ING Orange One Platinum
16.99% p.a.
Up to 45 days on purchases
$149 p.a.
Enjoy up to $30 cashback per month and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.

Compare up to 4 providers

Will Apple Card work if I don't have an iPhone?

Apple hasn't announced any plans to support the card on Android and it's highly unlikely that will happen. While a physical card is also supplied for use in stores that don't directly accept Apple Pay, you need to sign up for the card through the Wallet app on the iPhone.

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Credit Cards Comparison

Rates last updated August 24th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
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 - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

* 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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