Contactless Payment Technologies

Ditch the cards and clean up the clutter in your wallet by using your mobile phone to make contactless payments at the checkout.

ccf-mobile-payments-250x250Ditch the cards and clean up the clutter in your wallet by using your mobile phone to make contactless payments at the checkout.

Contactless payment technology such as Mastercard’s PayPass and Visa’s payWave has revolutionised the way people make everyday purchases. It's made it possible to simply tap your credit card or debit card at the checkout without entering a PIN for payments under $100. And we've embraced this option, with research showing Aussies are among the biggest adopters of contactless payments in the world.

Now, mobile phone apps are also making their way into our regular spending habits by using the same technology to let you tap-and-go with your phone instead of a card. In preparation for this mobile takeover – and so you can compare your options side by side – we’ve whipped up a comparison of some of the credit card providers that currently offer a contactless app and what else we can expect from this growing market.


contactless-symbol-250x250How do contactless mobile payments work?

Mobile payments work in a similar way to a PayPass or payWave card. When you have mobile payments set up on your phone, all you have to do is open the app and tap the phone against a contactless card reader – the same way you would with your credit card. These transactions are also processed on the same network as contactless cards and offer identical security features. But before you can start paying with your phone, there are several factors to consider:

  • Is your mobile phone or device compatible?
    Contactless payments rely on near-field communication (NFC) technology, which means your smartphone or other device (such as a tablet) must have NFC-capabilities. You can check if this is available by looking at the specifications for the make and model of your phone.
  • Is your credit card compatible?
    If you see a contactless symbol on your card, there's a good chance you'll be able to use it for mobile payments. But while most tap-and-go credit cards can be used with a mobile payment app, there are some exceptions depending on the bank and the specific mobile payment service you're using.
  • What mobile payment apps can you use?
    Each bank offers different mobile payment services, so make sure you check what's offered through your provider first. Note that generally these applications are also designed for specific operating systems. For example, Apple Pay is designed for use with an iPhone, iPad or Apple Watch, while Samsung Pay is designed for Samsung smartphones and tablets that have NFC capabilities.

ccf-mobile-payment-shutterstock-895x288

Which banks offer contactless mobile payment options?

Many banks and credit card providers in Australia include contactless payment services for a variety of compatible cards and mobile devices. This includes Apple Pay, Google Pay and Samsung Pay, as well as apps developed by specific banks. Here, we've outlined the options available through major providers so you can find an option that works for you.

American Express

Amex was the first credit card provider in Australia to partner with Apple Pay, back in 2015. It now offers the following options for Apple, Samsung and Android devices.

  • Apple Pay. Load your eligible American Express credit card into the Apply Pay app and you can make in-store and in-app payments with your eligible iPhone. You can also make in-app payments from an iPad Pro, iPad air 2, iPad mini 3 or iPad mini 4 or use an Apple Watch to make in-store payments.
  • Google Pay. There is a wide range of American Express personal and business cards that are compatible with Google Pay, allowing you to make in-store and in-app purchases from any eligible Android device.
  • Samsung Pay. All American Express issued cards are available for use with Samsung Pay, which you can use to make contactless payments from any compatible Samsung smartphone, tablet or watch.

American Express Credit Cards Comparison

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Receive 55,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
American Express Velocity Escape Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Earn uncapped Velocity Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
Qantas American Express Discovery Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
American Express Explorer Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$395 p.a.
Receive 50,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
American Express Platinum Edge Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
American Express Westpac Altitude Platinum Bundle
20.24% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
$0 first year annual fee & up to 75,000 bonus Altitude Pts when you meet T&C with this Visa (issued by Westpac) & Amex (issued & serviced by Amex).
American Express Velocity Platinum Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$375 p.a.
Receive 50,000 bonus Velocity Points, a complimentary Virgin Australia return Economy domestic flight each anniversary year, plus, 2 lounge passes.
American Express Essential Credit Card
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
American Express Velocity Business Card
$249 p.a.
Take advantage of Velocity Points per $1 spent, no pre-set spending limit, data that feeds into MYOB and up to 51 days interest-free on purchases.
Qantas American Express Premium Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$249 p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
American Express Business Explorer Credit Card
16.99% p.a.
$395 p.a.
Earn 60,000 bonus points when you meet the spend criteria. Plus, 2 yearly entries to the American Express Lounge at Sydney International Airport.
American Express Platinum Card
$1,450 p.a.
Annual $450 Platinum Travel Credit, up to 120,000 bonus Membership Rewards points and access to more than 1,200 VIP lounges worldwide.
American Express Business Card
$109 p.a.
Earn up to 1.00 Membership Rewards point per $1 spent and extend your cashflow with up to 51 interest-free days on purchases.
David Jones American Express
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 40,000 bonus Membership Rewards points or 30,000 Qantas Points. Plus, uncapped points potential.
David Jones American Express Platinum Card
20.74% p.a.
$295 p.a.
For DJ's shoppers or Qantas travellers, receive 50,000 bonus Membership Rewards points or 37,500 Qantas Points with uncapped points potential.
American Express Gold Business Card
$169 p.a.
Take advantage of a no pre-set spending limit, data that feeds to MYOB and up to 51 days interest-free on purchases.
American Express Platinum Business Card
$1,750 p.a.
Enjoy 120,000 bonus points, a platinum concierge, complimentary lounge access, worldwide travel insurance and luxury hotel benefits.
American Express Qantas Business Rewards Card
$450 p.a.
Earn up to 60,000 bonus points, 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 51 days interest-free on purchases.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a.
$300 p.a. annual fee for the first year ($499 p.a. thereafter)
Score up to 120,000 bonus Qantas Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).
American Express Westpac Altitude Black Bundle
20.24% p.a.
$250 p.a. annual fee for the first year ($449 p.a. thereafter)
Earn up to 120,000 bonus Altitude Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).
American Express Business Accelerator Credit Card
$160 p.a.
Receive up to 55 interest-free days on purchases, supplementary cards at no cost and data that feeds to MYOB accounting software.
American Express Qantas Corporate Green Card
$70 p.a.
Receive a discounted Qantas Club membership, entertainment invites, Sydney airport services and insurance coverage for personal trips.
American Express Low Rate Credit Card
8.99% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Get up to 55 days interest-free on purchases, a 0% p.a. for 12 months balance transfer offer, a $0 annual fee for life and global card support.

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ANZ

ANZ offers three different mobile payment applications to suit your card and devices. These are:

  • Apple Pay. If you have an iPhone, iPad or Apple Watch, this app will allow you to use it for payments with a range of compatible ANZ credit cards and debit cards.
  • Google Pay. ANZ also offers Google Pay for people with compatible smartphones and Android devices running Android 4.4 (KitKat) or above.
  • Samsung Pay. You can use Samsung Pay to make contactless payments from any compatible Samsung smartphone, tablet or watch.

Comparison of ANZ Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
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.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
ANZ Frequent Flyer Black
19.99% p.a.
$425 p.a.
Receive 75,000 bonus Qantas Points and $200 back after your first eligible purchase in the first 3 months. Plus, complimentary Qantas lounge passes.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
ANZ Frequent Flyer Platinum
19.99% p.a.
$295 p.a.
Receive 65,000 bonus Qantas Points and $150 back on your card after your first eligible purchase within 3 months. Plus, a personal concierge.
ANZ Rewards Black Credit Card
18.79% p.a.
$375 p.a.
Receive 75,000 bonus Reward Points and $100 back onto your card after your first eligible purchase within 3 months, plus, lounge passes.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
ANZ Rewards Platinum
18.79% p.a.
$95 p.a.
Receive 65,000 bonus Reward Points and $50 back onto your card after your first eligible purchase in 3 months, plus up to 1.5 points per $1 spent.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
ANZ Rewards Credit Card
18.79% p.a.
$80 p.a.
Earn uncapped Reward Points and get 25,000 bonus points when you make an eligible purchase in the first 3 months from approval.
ANZ Frequent Flyer
19.99% p.a.
$95 p.a.
Receive 25,000 bonus Qantas Points after your first eligible purchase. Plus, uncapped Qantas Points earning potential.
ANZ Business Black
20.24% p.a.
$300 p.a.
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses.

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Bankwest

Bankwest has partnered with Google Pay to allow you to make payments with any device running KitKat 4.4 or higher. You can link any Bankwest Mastercard credit card or debit card to this service, including both personal and business products.

Comparison of Bankwest Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$79 p.a.
Receive purchase and balance transfer offers of 0% p.a. for 13 months, a low ongoing variable rate and up to 55 interest-free days on purchases.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and access to a 24/7 concierge service.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$99 p.a.
Receive a 0% p.a. interest rate on purchases and balance transfers for 13 months, complimentary travel insurance and 0% foreign transaction fees.
Bankwest Qantas Platinum Mastercard
20.49% p.a.
2.99% p.a. for 9 months
$160 p.a.
Enjoy 0% foreign transaction fees, complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Bankwest Qantas Mastercard
20.49% p.a.
2.99% p.a. for 9 months
$100 p.a.
Receive a complimentary Qantas Frequent Flyer membership and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Bankwest Qantas World Mastercard
20.49% p.a.
2.99% p.a. for 9 months
$270 p.a.
Earn uncapped Qantas Points per $1 spent on eligible purchases, pay 0% foreign transaction fees and receive complimentary travel insurance.
Bankwest More Mastercard
19.99% p.a.
0% p.a. for 6 months with 1% balance transfer fee
$100 p.a.
Earn 1.5 More Rewards Points per $1 spent, 19,500 bonus points when you meet the spend criteria and receive a 0% p.a. balance transfer offer.
Bankwest More Platinum Mastercard
19.99% p.a.
0% p.a. for 6 months with 1% balance transfer fee
$160 p.a.
Earn 2 More Rewards Points per $1 spent, 75,000 bonus points when you meet the spend requirement and save with 0% foreign transaction fees.
Bankwest More World Mastercard
19.99% p.a.
0% p.a. for 6 months with 1% balance transfer fee
$270 p.a.
Earn 115,000 bonus points when you meet the spend requirement, receive complimentary travel insurance and a LoungeKey membership.
Bankwest Zero Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Features an ongoing $0 annual fee. Plus, receive up to 55 days interest-free on purchases and a 2.99% p.a. for 9 months on balance transfers.
Bankwest Low Rate Business Mastercard
0% p.a. for 13 months (reverts to 11.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$99 p.a.
Offers an introductory 0% p.a. interest rate on purchases and balance transfers for 13 months. Plus, add up to 3 additional cardholders at no extra cost.
Bankwest Business Large Rewards Mastercard
18.50% p.a.
$99 p.a.
Earn 28,000 bonus points when you meet the spend requirement, 1 reward point per $1 spent and add up to 3 additional cardholders at no cost.
Bankwest Corporate Mastercard
17.99% p.a.
$39 p.a.
Features unlimited cardholders, the ability to set spending limits and an annual fee waiver every year when $10,000 is spent on eligible purchases.

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Bank of Melbourne

Bank of Melbourne offers it's own mobile payment service, known as "Tap and Pay". This can be used on compatible Samsung phones and works with Bank of Melbourne's range of Mastercard and Visa cards. Unfortunately, only Samsung phones can use Bank of Melbourne's Tap and Pay, so if you have a different Android or Apple device you'll miss out on this service.

Comparison of Bank of Melbourne Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Bank of Melbourne Vertigo Visa Credit Card
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Enjoy 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
Bank of Melbourne Amplify Platinum
19.49% p.a.
$99 p.a.
Earn 50,000 bonus Amplify or Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas Points or 1 Amplify Point per $1 spent.
Bank of Melbourne Amplify Card
19.49% p.a.
3% p.a. for 36 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. for 36 months balance transfer offer, Amplify or Qantas points per $1 spent and enjoy a $0 annual fee for the first year.
Bank of Melbourne Amplify Signature
19.49% p.a.
$279 p.a.
Get 90,000 bonus Amplify or Qantas Points when you spend $4,000 within 90 days and earn up to 1.5 Amplify or 0.75 Qantas Points per $1 spent.
Bank of Melbourne No Annual Fee Card
20.49% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Take advantage of a 0% p.a. for 12 months balance transfer, get up to 55 days interest-free on purchases and pay no annual fee for the life of the card.
Bank of Melbourne Corporate Mastercard
Experience a complete financial management system available online and the protection of complimentary insurances.
Bank of Melbourne Amplify Business Credit Card
0% p.a. for 12 months (reverts to 19.49% p.a.)
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Earn an uncapped 1 Amplify Rewards point per $1 spent in Australia and take advantage of 3 complimentary insurance covers.

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Citi

Like several other providers, Citi offers an in-house mobile payment app known as Citi Pay. This works on any Android device running KitKat 4.4 or higher. Citi Pay also offers a unique security feature: instead of storing your actual card details, it creates a unique Digital Account Number for all Citi credit cards and debit cards loaded onto the app. Citi credit cards and debit cards are also compatible with Samsung Pay.

Comparison of Citi Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 26 months with 2.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
Citi Simplicity Card
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$0 p.a.
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
Citi Rewards Classic Credit Card
20.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 1 point per $1 spent on eligible purchases, up to $50 cashback when you meet the minimum spend and a 15 month balance transfer offer.
Citi Signature Credit Card
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Receive 120,000 bonus points, two airport lounge visits per year, complimentary international travel insurance and a reduced first year annual fee.
Citi Signature Qantas Credit Card
20.99% p.a.
0% p.a. for 6 months
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Receive 50,000 bonus Qantas Points, 2 yearly airport lounge visits and complimentary travel insurance. Plus, a discounted first year annual fee.
Citi Clear Platinum
14.99% p.a.
$99 p.a.
Offers a low 14.99% p.a. rate and up to 55 interest-free days on purchases. Plus, insurance covers and access to the Citibank Dining Program.
Emirates Citi World Mastercard
20.99% p.a.
0% p.a. for 9 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles, pay half the annual fee for the first year and indulge in curated local and global experiences.
Citi Prestige Card
20.99% p.a.
0% p.a. for 6 months
$700 p.a.
Reward yourself luxuriously with 150,000 bonus Points, free hotel stays, exclusive events and unlimited airport lounge access with Priority Pass.

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Commonwealth Bank

The CommBank app's Tap & Pay service allows you to make payments from a compatible mobile phone or device. There are different options based on your device's operating system:

  • Android. If you have a smartphone running Android 4.4 (KitKat) or above, you can use it to make purchases at any contactless terminal using your phone (even overseas).
  • Apple/iOS. If you have an iPhone, you can still set up Tap & Pay through your CommBank app but will need to purchase a separate PayTag that you then stick on the bottom of your phone to make contactless payments. A one-off fee of $2.99 applies for the PayTag.

As with other contactless transactions, you can use Tap & Pay without needing a PIN for purchases under $100. After that, you may be prompted for a PIN.

Comparison of Commonwealth Bank Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Commonwealth Bank Low Rate Credit Card
13.24% p.a.
5.99% p.a. for 5 months
$59 p.a.
Get a low ongoing 13.24% p.a. purchase rate, a 5 month balance transfer offer and up to 55 days interest-free on purchases.
Commonwealth Bank Low Fee Credit Card
19.74% p.a.
5.99% p.a. for 5 months
$0 p.a. annual fee for the first year ($29 p.a. thereafter)
Receive up to 55 days interest free on purchases and a continued annual fee waiver if you spend at least $1,000 in the previous year.
Commonwealth Bank Low Fee Gold Credit Card
19.74% p.a.
5.99% p.a. for 5 months
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Enjoy up to 55 interest-free days on purchases, included insurances and an ongoing annual fee waiver when you meet the spend requirement.
Commonwealth Bank Awards Credit Card
20.24% p.a.
5.99% p.a. for 5 months
$59 p.a.
A dual Mastercard and Amex credit card which lets you earn up to 1.5 Awards points per dollar spent up to -1 points per year.
Commonwealth Bank Low Rate Gold Credit Card
13.24% p.a.
5.99% p.a. for 5 months
$89 p.a.
Get a low ongoing 13.24% p.a. purchase rate, a 5 month balance transfer offer and up to 55 days interest-free on purchases.
Commonwealth Bank Platinum Awards Credit Card
20.24% p.a.
5.99% p.a. for 5 months
$249 p.a.
Earn up to 2.5 Awards points per $1 spent, plus included travel insurance, a 24/7 concierge and 0% international transaction fees on the Amex.
Commonwealth Bank Diamond Awards Credit Card
20.24% p.a.
5.99% p.a. for 5 months
$349 p.a.
Earn up to 3 Awards points per $1 spent up to 1,000,000 points per year, plus complimentary international travel insurance.
Commonwealth Bank Essentials Credit Card
9.90% p.a.
Up to $60 p.a.
Save with a low 9.9% p.a. interest rate on purchases. Plus, add an additional cardholder for $0.

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NAB

NAB Pay is included with NAB's mobile app and allows you to tap and pay with an Android or Apple device. If you have an Android mobile device, you'll be able to simply tap to pay with your compatible NAB credit card. For iPhones, on the other hand, you'll need to get a PayTag for a one-off fee of $3.99. You can secure this to your iPhone (or any other phone that's not compatible with the full version of NAB Pay) and then tap to pay for purchases.

Comparison of NAB Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% 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.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
NAB Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a.
Receive 90,000 bonus NAB Rewards points, worth over $450 in gift cards or 45,000 Velocity points when you meet the spend requirement.
NAB Low Fee Platinum Card - Amazon Offer
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Receive 10% cashback with amazon.com.au for 12 months (capped at $25 per month). Plus, 0% p.a. on balance transfers for 24 months.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
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 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.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Rewards Business Signature Card
18.50% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $5,000 on everyday business purchases in the first 60 days of account opening.
NAB Qantas Rewards Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
NAB Low Rate Business Card
0% p.a. for 12 months (reverts to 13.25% p.a.)
$0 p.a. annual fee for the first year ($60 p.a. thereafter)
Manage your cashflow with up to 55 days interest-free on business purchases and receive complimentary unauthorised transaction insurance.
NAB Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
NAB Qantas Business Signature Card
18.50% p.a.
$295 p.a.
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases. Also get up to 44 days interest-free and multiple cards.

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People’s Choice Credit Union

If you've got a People's Choice Credit Union credit card, you can choose between any of the following mobile payment services:

  • Apple Pay. If you've got an iPhone, iPad, Apple Watch or Mac, you can use it to make contactless payments with your People's Choice card via the Apple Pay app.
  • Google Pay. People's Choice also caters to Android devices, with a selection of People's Choice Credit Union credit cards and debit cards compatible with the Google Pay service.
  • People's Choice redi2PAY app. This app is available for Android phones running KitKat 4.4 or above. It works in a similar way to other contactless apps but also allows you to set up a virtual copy of the card you wish to use for payments. However, if you want to have access to more than one card at a time, you’re out of luck – the redi2PAY app only supports one card at once.

Comparison of People's Choice Credit Union Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
People's Choice Credit Union Visa Credit Card
2.99% p.a. for 6 months (reverts to 12.95% p.a.)
2.99% p.a. for 6 months
$59 p.a.
Receive up to 62 days interest-free on purchases and the ability to use Google Pay or Apple Pay.

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St.George

The St.George Tap & Pay service is part of it's mobile banking app and works with compatible Samsung phones. Once you have activated the app, you can load your St.George Mastercard and Visa card or cards and start using your phone to tap and pay.

Comparison of St.George Bank Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 25 months
$99 p.a.
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
St.George Amplify Signature - Qantas - Online Offer
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.
St.George Vertigo Visa
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitive annual fee.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Amplify or Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas Points or 1 Amplify Point per $1 spent.
St.George Amplify Card
19.49% p.a.
3% p.a. for 36 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of 3% p.a. interest on balance transfers for 36 months. Plus, a $0 first year annual fee and Amplify or Qantas Points per $1 spent.
St.George Rainbow Vertigo Platinum Card
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$99 p.a.
Available for a limited time, all the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
St.George Rainbow Vertigo Visa
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Available for a limited time, all the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
St.George Amplify Signature - Online Offer
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy a discounted $179 first year annual fee, 90,000 bonus Amplify Points and 2 complimentary lounge passes. Offers end on 2 October 2018.
St.George No Annual Fee
20.49% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a 0% p.a. for 12 months balance transfer offer.
St.George Amplify Business Credit Card
0% p.a. for 12 months (reverts to 19.49% p.a.)
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
A business card that comes with 0% p.a. on purchases for the first 12 months and no annual fee for the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.

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Westpac

Westpac offers mobile payments through both Google Pay and Samsung Pay for eligible cards when you have a compatible device. To make use of this technology, simply download the Google Pay or Samsung Pay app to your device, fill in your card details and personal information and agree to the app's terms and conditions. If you’re worried about security risks, Westpac’s Fraud Money Back Guarantee and password-protected login systems have your back. However, similar to the CommBank app, Westpac's mobile payment options are not available across all phone types, limiting its usability to anyone without a compatible Android device or Samsung smartphone.

Comparison of Westpac Bank Credit Cards

Rates last updated August 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Westpac Altitude Platinum Card
20.24% p.a.
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
Westpac 55 Day Platinum Credit Card
19.84% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Receive a 20 month balance transfer offer, up to 55 days interest-free on purchases, a platinum concierge service and a $0 first year annual fee.
American Express Westpac Altitude Platinum Bundle
20.24% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
$0 first year annual fee & up to 75,000 bonus Altitude Pts when you meet T&C with this Visa (issued by Westpac) & Amex (issued & serviced by Amex).
Westpac 55 Day credit card
19.84% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Receive up to 55 days interest-free on purchases, a 0% p.a. interest rate for 20 months on balance transfers and a $0 first year annual fee.
Westpac Altitude Black
20.24% p.a.
$250 p.a.
Earn 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases. Plus, 2 yearly Priority Pass lounge invitations.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a.
$300 p.a. annual fee for the first year ($499 p.a. thereafter)
Score up to 120,000 bonus Qantas Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).
American Express Westpac Altitude Black Bundle
20.24% p.a.
$250 p.a. annual fee for the first year ($449 p.a. thereafter)
Earn up to 120,000 bonus Altitude Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).
Westpac Altitude Black - Qantas
20.24% p.a.
$250 p.a.
Earn 80,000 bonus Qantas Points when you spend $3,000 on eligible purchases. Plus, 2 yearly Qantas Club lounge invitations.
Westpac Lite Card
9.90% p.a.
$108 p.a.
Keep credit card costs low with a maximum credit limit of $4,000, a 9.9% p.a. purchase interest rate and no foreign transaction fees.
Westpac BusinessChoice Rewards Platinum Credit Card
20.24% p.a.
$150 p.a.
Earn 40,000 bonus points, up to 0.5 Qantas Points per $1 spent on eligible purchases. Plus, receive up to 55 interest-free days on purchases.
Westpac Altitude Business Platinum Credit Card
0% p.a. for 12 months (reverts to 20.24% p.a.)
4.99% p.a. for 12 months
$0 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn uncapped point and enjoy a waived annual fee for the first year. Plus, 0% p.a. for 12 on purchases.
Westpac Altitude Business Gold Credit Card
0% p.a. for 12 months (reverts to 20.24% p.a.)
4.99% p.a. for 12 months
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Enjoy 0% interest for 12 months on purchases and a $0 first year annual fee.

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Although we’ve recently transitioned into a virtually cashless society, we may be moving beyond and into a cardless world. Contactless payment technology via mobile apps could simplify everyday purchases, but given the limitations currently posed by Australian bank and credit unions’ apps, it may be some time before mobile contactless payments become the norm. Watch this space though, because finder.com.au will be the first to provide users with a comprehensive comparison of the contactless payment app options available to Australians as they drop.

More contactless innovations

Credit Card Offers

Important Information*
Citi Clear Platinum - Exclusive Offer

Interest rate

14.99

Annual fee

49*

*$99 p.a. after first year

Westpac Low Rate Card

Interest rate

13.49

Annual fee

0*

*$59 p.a. after first year

Westpac Altitude Platinum Card - Qantas

Interest rate

20.24

Annual fee

50*

*$200 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58

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