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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.

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Westpac Low Rate Card - Cashback Offer
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$59
Go to siteMore Info
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Westpac Low Rate Card
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months, then 21.49%
Annual fee
$59
Go to siteMore Info
Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.
Coles No Annual Fee Mastercard
Flybuys
Purchase rate p.a.
0% for 6 months, then 19.99%
Bonus points
20,000
Points per $ spent
0.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
19.99%
Annual fee
$0
Go to siteMore Info
Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
NAB Low Rate Credit Card
Purchase rate p.a.
12.49%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.74%
Annual fee
$0 first year ($59 after)
Go to siteMore Info
Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
Qantas American Express Ultimate Card
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
60,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
Annual fee
$450
Go to siteMore Info
Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
American Express Platinum Edge Credit Card
Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$0 first year ($195 after)
Go to siteMore Info
Save with a $0 annual fee in the first year. Plus, $200 travel credit every year.
American Express Qantas Business Rewards Card
Qantas Business Rewards
Purchase rate p.a.
0%
Bonus points
100,000
Points per $ spent
1.25
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
Annual fee
$450
Go to siteMore Info
ABN holders w/ $75k revenue. Earn 100,000 bonus Qantas Points when you spend $3,000 in the first 2 months.
American Express Velocity Platinum Card
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
60,000
Points per $ spent
1.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$375
Go to siteMore Info
Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
American Express Explorer Credit Card
Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
50,000
Points per $ spent
2
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$395
Go to siteMore Info
Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
American Express Velocity Business Card
Velocity Frequent Flyer
Purchase rate p.a.
0%
Bonus points
100,000
Points per $ spent
1
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
Annual fee
$249
Go to siteMore Info
ABN holders w/ $75,000 revenue. Get 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.
American Express Velocity Escape Card
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
N/A
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$0
Go to siteMore Info
Save with an ongoing $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
Qantas American Express Discovery Card
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
N/A
Points per $ spent
0.75
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
Annual fee
$0
Go to siteMore Info
Earn uncapped Qantas Points for every $1 dollar spent, plus an ongoing $0 annual fee.
American Express Essential Credit Card
Membership Rewards Gateway
Purchase rate p.a.
18.99%
Bonus points
N/A
Points per $ spent
1.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$0
Go to siteMore Info
Get up to 1.25 Membership Rewards points per $1 on eligible spending and an ongoing $0 annual fee.
Qantas American Express Premium Card
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
30,000
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
Annual fee
$249
Go to siteMore Info
Get 30,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.
American Express Gold Business Card
Membership Rewards Ascent
Purchase rate p.a.
0%
Bonus points
75,000
Points per $ spent
1.5
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
Annual fee
$169
Go to siteMore Info
ABN holders w/ $75,000 revenue. Get 75,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months. Plus, earn 1.5 points per $1 on eligible spending with Membership Rewards.
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Most major banks and credit card issuers in Australia now offer Apple Pay, which means you can make payments directly from an iPhone, Apple Watch or even an iPad (as long as it's a newer model that offers Apple Pay compatibility).

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.

Which banks and issuers are partnered with Apple Pay?

Compatible with Apple PayNot compatible with Apple Pay
  • American Express
  • BOQ
  • NAB
❌ Myer
  • ANZ
  • Citi
  • Qantas Money
  • Bank of Melbourne
  • Coles
  • St.George
  • BankSA
  • CommBank
  • Suncorp
  • Bankwest
  • HSBC
  • Virgin Money
  • Bendigo Bank
  • Kogan Money
  • Westpac

How does Apple Pay work?

apple pay logo
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.

How to add your credit card to Apple Wallet 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. Open Wallet. On an iPhone this will be an app on your home screen. On an iPad you need to open Settings and tap "Wallet & Apple Pay".
  2. Tap the + symbol in the app.
  3. Select "Debit or credit card". Then click Continue in the next screen.
  4. Scan your credit card. Make sure the credit card is positioned perfectly in the frame to scan it. You can also manually type in the details if needed.
  5. Confirm details. Check the details have been scanned incorrectly. Then 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.
  6. Tap "Next". You can now start using Apple Pay at participating outlets. You should also see the option to pair with Apple Watch.

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 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.

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.

What are Apple Pay alternatives?

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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4 Responses

    Default Gravatar
    StephenDecember 3, 2018

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

      AvatarFinder
      JhezelynDecember 8, 2018Finder

      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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