Which Credit Cards have Apple Pay in Australia? The Full List | Finder

Credit cards with Apple Pay

Compare Australian credit cards that offer Apple Pay and learn how to make contactless payments with your iPhone.

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Similar to contactless credit cards, 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. This means you can make payments directly from your compatible iOS device, including iPhones, iPads and Apple Watches.

Use this guide to compare the cards that offer Apple Pay and understand how you can use it to make secure and convenient payments.

How does Apple Pay work?

apple pay logo Apple Pay works with any iOS device that offers Apple Pay compatibility. You can link up to 12 cards to iPhone 8 and iPhone 8 Plus and later. If you have an earlier model, you can link up to 8 accounts to Apple Pay. You can also use the digital wallet with Apple Watch and some iPads.

Which banks and issuers are partnered with Apple Pay?

Compatible with Apple PayNot compatible with Apple Pay
  • American Express
  • BOQ
  • ANZ
  • Virgin Money
  • Bank of Melbourne
  • BankSA
  • Bankwest
  • Bendigo Bank
  • Citi Australia
  • Coles
  • CommBank
  • HSBC
  • Jetstar
  • NAB
  • Qantas Money
  • St.George
  • Suncorp
  • Westpac
List is current as of 19 January 2021.

Compare credit cards with Apple Pay

More than 50 banks, credit unions and card issuers are partnered with Apple Pay in Australia. You can compare some of the credit cards that can be used with Apple Pay below.

Data updated regularly
$
% 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.
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)
Up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months)
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.
Citi Rewards Card - Balance Transfer Offer
0% p.a. for 30 months
21.49% p.a.
N/A
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
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)
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 26 months with 2% balance transfer fee
10.99% p.a.
N/A
$0 annual fee for the first year ($49 p.a. thereafter)
Save with 0% p.a. on balance transfers for 26 months (with a 2% BT fee) and $0 first-year annual fee. Plus, a 10.99% p.a. purchase interest rate.
NAB Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
12.99% p.a.
N/A
$59
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
ANZ Low Rate
0% p.a. for 20 months
12.49% p.a.
N/A
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a. on balance transfers for 20 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.
120,000
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Coles No Annual Fee Mastercard
0% p.a. for 6 months
19.99% p.a.
N/A
$0
Get $100 off a Coles Supermarket shop when you spend at least $1,000 in the first 60 days and save with a 0% balance transfer offer.
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 - Bonus Points Offer
0% p.a. for 15 months
21.49% p.a.
100,000
$49 annual fee for the first year ($149 p.a. thereafter)
Get 100,000 bonus Citi reward Points (worth $460 in gift cards) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
Bendigo Bank Low Rate Credit Card
0% p.a. for 24 months with 2% balance transfer fee
11.99% p.a.
N/A
$45
Save with 0% p.a. on balance transfers for 24 months (with a 2% BT fee). Plus a 11.99% p.a. purchase interest rate.
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.
Citi Rewards Card - Velocity Points Offer
0% p.a. for 15 months
21.49% p.a.
100,000
$99 annual fee for the first year ($199 p.a. thereafter)
Enjoy 100,000 bonus Velocity Points when you spend $3,000 in the first 90 days. Plus, complimentary travel and purchase insurance.
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How to add your card details to the Wallet app and set up Apple Pay

Before you can start using the app, you'll need to store your eligible card details in the Wallet app.

  1. If you’re using an iPad, open up Settings and tap “Wallet & Apple Pay”. If you’re using your iPhone or Apple Watch, open the “Wallet & Apple Pay” app.
  2. Select “Add Credit or Debit Card” and follow the prompts to enter your card information.
  3. Tap "Next". Your bank will then verify your information to determine whether or not your card is compatible with Apple Pay. You may be asked to provide more details to verify your card. When you have the required information, go back to "Settings", then "Wallet & Apple Pay" and tap your card.
  4. Wait for verification from your bank, then tap "Next". You can now start using Apple Pay at participating outlets.

When you reach a terminal that shows the contactless payment symbol, there’s no need to open the app or wake up your display. Instead, your phone will use the internal NFC antenna to process the payment.

Simply hold your phone up to the contactless reader with your finger on the Touch ID. If you don’t have your fingerprint password activated, you’ll need to enter your password. Apple Pay can be used at any contactless payment terminal, so you should have no trouble finding places that accept mobile payments.

phone hovering on credit card terminal

Is Apple Pay safe to use?

Apple Pay includes a number of measures that protect your data and device. For example, instead of using your actual credit and debit 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 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 credit cards, every payment requires a Touch ID or a passcode, which reduces the chances of someone using your phone for payments if it’s stolen.

What if my device is lost or 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.

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4 Responses

    Default Gravatar
    StephenDecember 3, 2018

    What about ANZ Rewards Black and ANZ Frequent Flyer Platinum or Black?

      Avatarfinder Customer Care
      JhezDecember 8, 2018Staff

      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

    Default Gravatar
    StephenNovember 29, 2018

    What about ANZ Rewards Black and ANZ Frequent Flyer Black or Platinum?

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