When is the Apple Card credit card coming to Australia?

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

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Apple Card represents tech giant Apple's first move into the credit cards space. Issued by Goldman Sachs and building on the existing Apple Pay feature for contactless payments (which is already supported on many credit cards in Australia), the Apple Card is 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 became available for application on 20 August 2019.

Here's what we know about Apple Card in the US:Apple card display on iPhone

  • 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 and select partner retailers 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 October 2019, the advertised interest rate for the US version of the card varies from 12.74% p.a. to 23.74% 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 Apple Pay

Updated December 11th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
9.89% p.a.
$69 p.a.
Offers a competitively low interest rate and up to 55 days interest-free on purchases. Plus, price and purchase protection covers.
Citi Rewards Program
Visa/MC
1
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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.
11.99% p.a.
$0 p.a.
Keep costs low with $0 annual fee and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.
55,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
0% for 9 months, reverts to 14.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
0% for 15 months, reverts to 11.99% p.a.
$45 p.a.
A no-frills credit card with a competitive annual fee and 0% p.a. on purchases for 15 months. Plus, a 0% balance transfer offer for 6 months.
100,000 bonus points
Velocity Frequent Flyer
Amex
1.25
20.74% p.a.
$375 p.a.
Get 100,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
Membership Rewards Ascent
Amex
1.5
N/A
$169 p.a.
ABN holders w/ $75,000 revenue. A business card with no pre-set spending limit, data feeds to MYOB and up to 51 days to pay for purchases.
Citi Rewards Program
Visa/MC
1
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent and take advantage of a 0% p.a. for 26 month balance transfer offer and a discounted $49 first year annual fee.
Velocity Frequent Flyer
Amex
1
N/A
$249 p.a.
ABN holders w/ $75,000 revenue. A business charge card offering Velocity Points per $1 spent and up to 51 days interest-free on purchases.
100,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 100,000 bonus points, 3x points on eligible Qantas flights and 2 lounge passes.
Velocity Frequent Flyer
Amex
0.75
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases and save with a $0 annual fee for life and a 0% p.a. for 12 months balance transfer offer.
120,000 bonus points
Citi Rewards Program
Visa/MC
1
21.49% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Offers 120,000 bonus reward Points, a $199 first year annual fee, airport lounge passes and premium perks.
60,000 bonus points
Emirates Skyward Miles Program
Visa/MC
1
21.49% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles and pay half the annual fee for the first year.

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

Updated December 11th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

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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