Credit cards with Apple Pay
Want to know if Apple Pay works with your credit card? Here's a list of banks and credit card issuers that support Apple Pay.
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How we picked theseMost 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).
Which big banks and issuers are partnered with Apple Pay?
- AccessPay Mastercard
- Acquire One
- Airwallex
- American Express
- AMP Bank
- ANZ
- Arab Bank Australia Limited
- Australian Military Bank
- Australian Unity
- Auswide Bank
- AWA Alliance Bank
- Bank Australia
- Bank First
- Bank Orange
- Bank of Heritage Isle
- Bank of Melbourne
- Bank of Queensland Specialist
- Bank of Sydney
- Bank of us
- BankSA
- BankVic
- BankWAW
- Bankwest
- Bano
- bcu
- BDCU Alliance Bank
- Bendigo Bank
- Beyond Bank Australia
- BNK Bank
- BOQ Specialist
- Broken Hill Bank
- Border Bank
- Central Murray Credit Union Ltd.
- Central West Credit Union Ltd.
- Change Financial
- CIRCLE Alliance Bank
- MyCard Australia
- Coastline Credit Union
- Coles Financial Services
- Commonwealth Bank of Australia
- Community First Bank
- Credit Corp Financial Services Pty Limited
- Credit Union SA Ltd.
- Defence Bank
- DiviPay
- Dynamoney Limited
- Edge
- EML Payment Solution Ltd
- Endeavour Mutual Bank
- Finstro
- Fire Service Credit Union
- Firefighters Mutual Bank
- First Option Bank
- Gateway Bank
- Geelong Bank
- Goulburn Murray Credit Union
- Great Southern Bank
- Greater Bank Limited
- Hay
- Health Professionals Bank
- Heritage Bank
- Holiday Coast Credit Union Ltd.
- Horizon Bank
- HSBC
- Hume Bank
- iGoDirect Group Pty Ltd
- Illawarra Credit Union Limited
- IMB Bank
- Immersve Pty Ltd
- INC.C Payments
- ING
- Intech Credit Union Ltd.
- Karta
- Klarna Australia Pty Ltd
- Laboratories Credit Union Ltd.
- Latitude Financial Services
- Lombard Finance
- Macquarie
- Maitland Mutual
- ME Bank
- MoneyMe
- Move Bank
- MyLife MyFinance
- MyState Bank Ltd.
- National Australia Bank
- Nexus Mutual
- Nimble
- Nium
- Northern Beaches Credit Union
- Northern Inland Credit Union
- Nova Alliance Bank
- Novatti Pty Ltd
- Once Credit
- P&N Bank
- Paytron Technologies Pty Ltd
- PayWith
- People's Choice Credit Union
- Police Bank
- Police Credit Union Ltd.
- Qbank
- QCCU
- Qpay
- Qudos Bank
- RACQ
- Revolut
- RSL Money
- SERVICE ONE Alliance Bank
- Skye provided by FlexiCards Australia Pty Ltd
- Southern Cross Credit Union
- Spriggy
- St.George Bank
- Summerland Financial Services Limited
- SWSBank
- Sydney Mutual Bank
- Teachers Mutual Bank
- The Capricornian
- The Mac
- The Mutual Bank
- ubank
- UniBank
- Unity Bank Ltd.
- Up Money
- Vault Payment Solutions
- Warwick Credit Union Ltd.
- Westpac Banking Corporation
- WEX Finance
- Wildcard Money Pty Ltd
- Wise
- Woolworths Group Limited
- Woolworths Team Bank
List is current as of April 2025.
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 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.
- 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".
- Tap the + symbol in the app.
- Select "Debit or credit card". Then click Continue in the next screen.
- 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.
- 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.
- Tap "Next". You can now start using Apple Pay at participating outlets. You should also see the option to pair with Apple Watch.
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 users 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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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