But there are still some credit cards that don't work with Apple Pay, even if the transaction account equivalent does. So here, we've got a rundown of which banks and brands offer Apple Pay on their credit cards and which ones don't. Plus more details on how to use Apple Pay when you have a compatible credit card.
| Compatible with Apple Pay | Not compatible with Apple Pay | ||
|---|---|---|---|
|
|
| ❌ Myer |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
Apple Pay uses NFC (Near Field Communication) technology that's built in your device, allowing you to tap it against the card reader to pay for your purchases without getting your card out.
It works with any iOS device that offers Apple Pay compatibility. The number of cards you can add depends on the phone: up to 8 accounts pre-iPhone 8, up to 12 accounts for iPhone 8, and up to 16 accounts for iPhone XS or later. You can also use the digital wallet with Apple Watch and some iPads.
Before you can start using the app, you'll need to store your eligible card details in the Wallet app.
Apple Pay includes a number of measures that protect your data and device. For example, instead of using your actual credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and safely stored in a dedicated chip in your Apple device known as the Secure Element.
When you use Apple Pay to make a purchase, the Device Account Number and a transaction-specific dynamic security code are used to approve your payment. Unlike physical credit cards, every payment requires a Touch ID, Face ID or a passcode, which reduces the chances of someone using your phone for payments if it's stolen.
If your iPhone or iPad is misplaced or stolen, you can use the "Find My iPhone" app to put your device in Lost Mode. This allows you to either suspend Apple Pay or to wipe your device clean. If you've synced your device with iCloud, you can log in to your iCloud account and select "Settings" to disable your phone from making payments with your credit or debit card.
Apple Pay is an easy way for iPhone fans to make contactless payments with a tap of their smartphone. If you don't use an Apple device, you may want to consider options such as Google Pay or Samsung Pay. Otherwise, you can also compare debit cards with contactless payment capability.
Back to topPictures: Shutterstock, Hadrian
Afterpay, Zip and a handful of other interest-free services accept credit cards, but do the benefits outweigh the risks?
Can't pay your credit card on time? Refer to this guide for tips on how to repay your balance and to learn what will happen if you miss a payment.
Learn how to choose the right credit limit to suit your financial needs and avoid overspending.
Understand why your bank may decline your credit card transaction and what you can to do avoid this embarrassing and inconvenient issue.
Want to pay bills with a credit card? Here's your options, plus when you could earn points per $1 spent for bill payments.
If you're worried about getting approved for your first credit card or just don't know where to start, these insights will put you on the right path.
While a credit card is linked with a line of credit, a debit card is connected to your own money. Compare the differences between the card types in this guide.
Calculate how much you're paying in interest based on your current credit card repayments and discover how much you should pay each month to meet your financial goal.
Credit cards come with both benefits and risks, so use our list of pros and cons to weigh up your options.
Find out how you can keep your overseas spending costs down by comparing credit cards with no foreign transaction fees and no currency conversion fees.
What about ANZ Rewards Black and ANZ Frequent Flyer Platinum or Black?
Hello Stephen,
Thank you for your comment.
According to ANZ, yes, Apple Pay supports ANZ Rewards Black Visa, ANZ Frequent Flyer Black Visa and ANZ Frequent Flyer Platinum Visa.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
What about ANZ Rewards Black and ANZ Frequent Flyer Black or Platinum?
Hi Stephen,
Thank you for visiting Finder.
For the ANZ Rewards Black and the ANZ Frequent Flyer Black or the ANZ Frequent Flyer Platinum they both have Apple Pay as a mobile payment technology.
Cheers!
Val