woman paying contactless with mobile phone

Credit cards with Google Pay

Compare credit cards with Google Pay and discover the convenience of paying with secure and contactless mobile payments at the checkout.

Google launched its Google Pay (formerly Android Pay) service in Australia in July 2016, following the earlier launches of Apple Pay and Samsung Pay. These contactless payment services allow you to use your phone (or other compatible device) to make tap-and-go purchases at the checkout. Google Pay can be used with selected Visa, Mastercard and American Express credit cards from participating financial institutions, including ANZ, American Express, Bendigo Bank and Macquarie Bank.

As Google Pay continues to grow and add partners, you can check back here for updates, or refer to your bank's website for specific information on eligible cards.

Which banks support Google Pay?

Google Pay initially launched with 28 bank partners in Australia and has continued to add partners since then. The table and list below outlines the major participating banks and financial institutions.

Banks with Google Pay
American Express Heritage Bank
ANZ HSBC
Bank Australia ING
Bank of Melbourne Macquarie Bank
BankSA NAB
Bankwest St.George
Bendigo Bank Suncorp
Beyond Bank Australia UBank
Community First Credit Union Up Money
Commonwealth Bank Westpac

Compare credit cards with Google Pay

Rates last updated August 21st, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points. Plus, a $450 Qantas Travel Credit and 2 complimentary Qantas Club lounge invitations per year.
American Express Velocity Platinum Card
50,000 bonus points
Velocity Frequent Flyer
1.25
20.74% p.a.
$375 p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
Westpac Altitude Platinum Card - Velocity
60,000 bonus points
Velocity Frequent Flyer
0.5
20.49% p.a.
$200 p.a.
60,000 bonus Velocity Points when you spend $3,000 within 90 days of approval. Plus, complimentary Economy X Seat Upgrade Vouchers.
Westpac Altitude Black - Velocity
80,000 bonus points
Velocity Frequent Flyer
0.75
20.49% p.a.
$300 p.a.
Collect 80,000 bonus Velocity Points when you meet the spend requirement. Plus, complimentary seat upgrades and lounge passes.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$45 p.a.
Take advantage of 0% p.a. for 18 months on balance transfers, plus a low variable purchase interest rate of 11.99% p.a. on purchases.
American Express Velocity Business Card
Velocity Frequent Flyer
1
N/A
$249 p.a.
A business charge card offering Velocity Points per $1 spent, data that feeds into MYOB and up to 51 days interest-free on purchases
Citi Rewards Classic Credit Card
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Earn Points per $1 spent and up to $50 cashback when you meet the spend criteria. Plus, a 15 per month balance transfer offer.
ANZ First Visa Credit Card
20.24% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 55 days interest-free on purchases.
David Jones American Express Platinum Card - Qantas Frequent Flyer
37,500 bonus points
Qantas Frequent Flyer
0.5
20.74% p.a.
$295 p.a.
Fly faster with up to 2 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.
Westpac Altitude Black - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
20.49% p.a.
$300 p.a.
Earn 80,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
American Express Qantas Business Rewards Card
120,000 bonus points
Qantas Business Rewards
1.25
N/A
$450 p.a.
Get 120,000 bonus Qantas Points, 3x points on eligible Qantas flights and 2 yearly lounge passes. ABN required.
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
1
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

How does Google Pay work?

Google Pay uses the NFC (Near Field Communication) chips found in many Android smartphones to allow cardholders to make payments directly from their phone. Instead of getting out your wallet and credit card, you simply unlock your phone and tap it on contactless terminals. If your card is connected to a loyalty program, any eligible purchases you make with Google Pay will automatically earn points for your rewards account. You can also use Google Pay to make payments online. Google Pay currently works with contactless Mastercard, Visa and American Express credit and debit cards. However, Google is also looking to integrate it with EFTPOS, which could broaden the types of accounts you could use with Google Pay.

Is Google Pay safe to use?

Google Pay uses the same technology as contactless credit cards and is just as secure at the checkout. In fact, Google Pay could be considered more secure as it doesn’t send your credit or debit card number with your payment. Instead, it uses an encrypted virtual account number to represent your account details. This means that your card details aren’t stored on your phone or on the Google Pay app. If you do suspect any suspicious activity on your account, you can also use the Google Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity. If your card is lost or stolen, you can also use Android Device Manager to instantly lock your phone from anywhere, secure it with a new password or wipe it clean of your personal information. These features prevent anyone from using your phone for contactless payments.
Images: Shutterstock

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