woman using contactless payment

Credit cards with Android Pay

Information verified correct on December 3rd, 2016

Compare credit cards with Android Pay and discover the convenience of paying with secure and contactless mobile payments at the checkout.

Google launched its Android Pay service in Australia in July 2016, following the earlier launches of Apple Pay and Samsung Pay. These contactless payment services allow you to use your phone (or other compatible device) to make tap-and-go purchases at the checkout. Android Pay can be used with selected Visa, MasterCard and American Express credit cards from participating financial institutions, including ANZ, American Express, Bendigo Bank and Macquarie Bank. As Android Pay continues to grow and add partners, you can check back here for updates, or refer to your bank's website for specific information on eligible cards.

Compare credit cards with Android Pay

Rates last updated December 3rd, 2016.

ANZ Frequent Flyer Platinum

50,000 bonus points offer has been extended, plus a new offer of $0 annual fee for the first year.

November 29th, 2016

ANZ Frequent Flyer

25,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

November 29th, 2016

ANZ Frequent Flyer Black

75,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

November 29th, 2016

View latest updates

Jonathan Choi Jonathan
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 Up to 55 days on purchases 14.99% p.a. $0 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
0 0 Up to 44 days on purchases 19.74% p.a. $30 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 Up to 55 days on purchases 20.74% p.a. $195 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0 0 Up to 55 days on purchases 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
1 0 Up to 44 days on purchases $1,200 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
1 Up to 44 days on purchases 20.74% p.a. $99 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 Up to 44 days on purchases 20.74% p.a. $349 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 Up to 44 days on purchases 20.74% p.a. $0 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free return flight every year.
1 0 Up to 44 days on purchases 20.74% p.a. $450 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 Up to 44 days on purchases 20.74% p.a. $249 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 bonus Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
1 0 Up to 44 days on purchases 20.74% p.a. $0 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
2 1 Up to 55 days on purchases 20.24% p.a. $225 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
1.5 0.75 Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
1.5 0.5 Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
1 0.5 Up to 44 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
3 1.25 Up to 55 days on purchases 18.79% p.a. $375 p.a. Go to site More info
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn up 2 Reward Points for every dollar spent on purchases.
2 1 Up to 55 days on purchases 18.79% p.a. $95 p.a. Go to site More info
ANZ Rewards Credit Card
Get 25,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn 1.5 points per dollar spent.
1.5 0.75 Up to 44 days on purchases 18.79% p.a. $80 p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Up to 55 days on purchases 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0 0 Up to 55 days on purchases 0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Go to site More info

How does Android Pay work?

Android Pay uses the NFC (Near Field Communication) chips found in many Android smartphones to allow cardholders to make payments directly from their phone. Instead of getting out your wallet and credit card, you simply unlock your phone and tap it on contactless terminals. If your card is connected to a loyalty program, any eligible purchases you make with Android Pay will automatically earn points for your rewards account. You can also use Android Pay to make payments online. Android Pay currently works with contactless MasterCard, Visa and American Express credit and debit cards. However, Google is also looking to integrate it with EFTPOS, which could broaden the types of accounts you could use with Android Pay. Android-pay-coming-to-Australia-2016

Which banks support Android Pay?

Android Pay initially launched with 28 bank partners in Australia and has continued to add partners since then. The table below outlines the participating banks and financial institutions.

Banks with Android Pay
American Express (Cards issued by Amex)EECU LimitedPeople’s Choice Credit Union Ltd
ANZ (Visa, Amex, MasterCard Credit/ Debit cards)First Option Credit UnionPolice Bank Limited
Bank AustraliaGoulburn Murray Co-Op LimitedQT Mutual Bank Limited
Bank Of SydneyHoliday Coast Credit Union LtdQueenslanders Credit Union Limited
Bendigo Bank (Visa/ MC, Credit/ Debit)Horizon Credit UnionSelect ENCOMPASS Credit Union Limited
Beyond Bank AustraliaIllawarra Credit UnionSouth West Slopes Credit Union Ltd
Big Sky Building Society LimitedING DIRECTSydney Credit Union Ltd
CAPE Credit Union LimitedIntech Credit Union LimitedTeachers Mutual Bank Limited
Catalyst MoneyLaboratories Credit Union LimitedThe Mac
Central West Credit Union LimitedMacquarie (Visa/ MC, Credit/ Debit)The Rock
Community First Credit UnionMaritime, Mining & Power Credit Union LtdWAW Credit Union Co-Operative Limited
Credit Union Australia LtdMyState Bank LimitedWoolworths Employees’ Credit Union Limited
Credit Union SA LtdNorthern Beaches Credit UnionWyong Shire Credit Union Limited
Defence Bank LimitedNorthern Inland Credit Union Limited

Is Android Pay safe to use?

Android Pay uses the same technology as contactless credit cards and is just as secure at the checkout. In fact, Android Pay could be considered more secure as it doesn’t send your credit or debit card number with your payment. Instead, it uses an encrypted virtual account number to represent your account details. This means that your card details aren’t stored on your phone or on the Android Pay app. If you do suspect any suspicious activity on your account, you can also use the Android Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity. If your card is lost or stolen, you can also use Android Device Manager to instantly lock your phone from anywhere, secure it with a new password or wipe it clean of your personal information. These features prevent anyone from using your phone for contactless payments.

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Amy Bradney-George

Amy is a Senior Writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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