When is the Apple Card credit card coming to Australia?

What you need to know about the Apple 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 Apple announces plans for an Australian launch of its credit card. 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 that lets you use Apple Pay. You can apply for the card through the Wallet app and transactions will show up in real time on your iPhone. Only devices with iOS 12.4 or later (or iPadOS) will give cardholders access to the Apple Card's full range of features, but you can still use it to make payments with an Apple Watch or other compatible devices with Apple Pay.
  • A numberless titanium card. Cardholders can order a free titanium card designed by Apple, which can be used 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%. Some of these partnered retailers include Uber, T-Mobile, Nike and Walgreens. 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.
  • Real-time interest estimates. The Apple Card will estimate how much interest you'll be charged, based on any payment amount you choose. This feature is similar to other credit card repayment calculators and gives you a chance to adjust your payment amount or budget for interest before it's charged.
  • Spending tracker. The Apple Wallet will automatically categorise all your spending and show you where the spending happened using integration with Apple Maps.
  • Instalment plans. When cardholders use their Apple Card to buy a new iPhone from Apple, they can pay it off with interest-free monthly instalments over 24 months. These instalments are subject to credit availability and minimum payments apply.
  • 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 20 April 2021, the advertised interest rate for the US version of the card varied from 10.99% p.a. to 21.99% 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.

Promoted
0% p.a. for 36 months on balance transfers with no balance transfer fee. $29 annual fee for the first year ($129 thereafter).

Compare credit cards with Apple Pay

$
% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
HSBC Platinum Credit Card
0% p.a. for 36 months
19.99% p.a.
N/A
$29 annual fee for the first year ($129 p.a. thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
Citi Clear Card - Balance Transfer Offer
0% p.a. for 36 months
14.99% p.a.
N/A
$99
Offers 0% p.a. on balance transfers for 36 months with no balance transfer fee. Plus, complimentary insurance covers.
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
110,000
$295 annual fee for the first year ($395 p.a. thereafter)
Earn up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months).
Citi Premier Qantas Card
0% p.a. for 6 months
21.49% p.a.
100,000
$175 annual fee for the first year ($350 p.a. thereafter)
Get 100,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a first-year annual fee discount.
Qantas American Express Ultimate Card
20.74% p.a.
110,000
$450
Receive 110,000 bonus Qantas Points and $200 back on your card when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit. Ends 27 Oct 2021.
Westpac Low Rate Card - Cashback Offer
6.99% p.a. for 12 months
13.74% p.a.
N/A
$0 annual fee for the first year ($59 p.a. thereafter)
Get $400 cashback when you spend $4,000 on eligible purchases within the first 120 days. Plus, a $0 first-year annual fee.
Westpac Low Rate Card
0% p.a. for 28 months with 1% balance transfer fee
13.74% p.a.
N/A
$0 annual fee for the first year ($59 p.a. thereafter)
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
ANZ Platinum Credit Card
20.24% p.a.
0% p.a. for 17 months, reverts to 20.24% p.a.
N/A
$0 annual fee for the first year ($87 p.a. thereafter)
Now offering Cashrewards Max. Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Bankwest Breeze Classic Mastercard
0% p.a. for 15 months
0% p.a. for 15 months, reverts to 9.9% p.a.
N/A
$0 annual fee for the first year ($49 p.a. thereafter)
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
NAB Low Rate Credit Card
0% p.a. for 32 months
12.99% p.a.
N/A
$0 annual fee for the first year ($59 p.a. thereafter)
Get a 0% interest rate on balance transfers for the first 32 months (with no BT fee). Plus, save with a $0 first-year annual fee.
ANZ Low Rate
0% p.a. for 30 months
12.49% p.a.
N/A
$0 annual fee for the first year ($58 p.a. thereafter)
Now eligible for Cashrewards Max. Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
130,000
$425
New Cashrewards Max benefit. Collect up to 130,000 bonus Qantas Points and $255 back when you meet the spend criteria. Plus, complimentary lounge passes.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
N/A
$30
Receive complimentary insurance covers and 0% p.a. for 6 months on balance transfers.
Citi Rewards Card - Points & Gift Card Offer
0% p.a. for 15 months
21.49% p.a.
90,000
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
Bendigo Bank Low Rate Credit Card
0% p.a. for 12 months with 2% balance transfer fee
0% p.a. for 12 months, reverts to 11.99% p.a.
N/A
$45
Save with 0% p.a. interest on purchases and balance transfers for up to 12 months, with a one-time 2% balance transfer fee.
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Will Apple Card work if I don't have an iPhone?

In the US, you need to have the Wallet app on an iPhone or iPad with iOS 12.4 or later (or with iPadOS) to get access to all of the Apple Card's features. If you don't add a compatible iPhone or iPad to your account after getting an Apple Card, you could only use it for eligible Apple purchases.

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 into your iCloud account with a valid Apple ID as part of the application process.

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