Credit cards with Apple Pay
Want to know if Apple Pay works with your credit card? Here's a list of banks and issuers that support Apple Pay, plus how it works.
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But there are still some credit cards that don't work with Apple Pay. 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.
Which banks and issuers are partnered with Apple Pay?
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How does Apple Pay work?
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. 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.
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.
- 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.
- Select “Add Credit or Debit Card” and follow the prompts to enter your card information.
- 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.
- 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.
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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Pictures: Shutterstock, Hadrian
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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