woman using contactless payment

Credit cards with Android Pay

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 August 19th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Essential®  Credit Card
1
14.99% p.a.
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 within the first 3 months of card membership.
American Express Platinum Edge Credit Card
1
20.74% p.a.
$195 p.a.
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
ANZ Platinum Credit Card - Exclusive Offer
0
0
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)
Includes a 0% p.a. offer on balance transfers for 12 months and a platinum concierge service.
American Express Platinum Card
100,000 bonus points
1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,000 VIP lounges.
David Jones American Express
40,000 bonus points
1
20.74% p.a.
$99 p.a.
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
American Express Velocity Platinum Card
50,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
American Express Velocity Escape Card
1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
Qantas American Express Ultimate Card
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Take advantage of a high Qantas Points earn rate and 2 American Express Airport Lounge entries each calendar year.
Qantas American Express Premium Card
30,000 bonus points
1.25
20.74% p.a.
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
ANZ Frequent Flyer Platinum
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
ANZ Frequent Flyer
25,000 bonus points
0.5
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Get 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within the first 3 months and complimentary travel insurance.
ANZ Rewards Platinum
50,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
ANZ Rewards Credit Card
25,000 bonus points
1
18.79% p.a.
$0 p.a. annual fee for the first year ($80 p.a. thereafter)
Receive 25,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months from approval.
ANZ Low Rate Platinum
11.49% p.a.
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
ANZ Low Rate
0
0
12.49% p.a.
$58 p.a.
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
David Jones American Express Platinum Card
50,000 bonus points
1
20.74% p.a.
$295 p.a.
Receive invitations to exclusive Season Launch Parades and fashion events, complimentary priority delivery and personal shopping perks.

Compare up to 4 providers

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)Nexus MutualPeople’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 LimitedINGSydney 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 UnionUnity BankWAW 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 Bankwest

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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