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.

Compare credit cards with Google Pay

Rates last updated May 25th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
ANZ Low Rate
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
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.
ANZ Rewards Travel Adventures card
40,000 bonus points
ANZ Rewards Program
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
American Express Platinum Card
80,000 bonus points
Membership Rewards Ascent Premium
2.25
N/A
$1,450 p.a.
Annual $450 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,200 VIP lounges worldwide.
ANZ Frequent Flyer
25,000 bonus points
Qantas Frequent Flyer
0.5
19.99% p.a.
$95 p.a.
Receive 25,000 bonus Qantas Points when you spend $1,000 within the first 3 months. Plus, enjoy uncapped Qantas Points earning potential.
American Express Velocity Platinum Card
100,000 bonus points
Velocity Frequent Flyer
1.25
20.74% p.a.
$375 p.a.
Receive up to 100,000 bonus Velocity Points and enjoy complimentary lounge passes, a domestic return flight and insurance covers.
Qantas American Express Premium Card
30,000 bonus points
Qantas Frequent Flyer
1
20.74% p.a.
$249 p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$89 p.a.
Offers a low variable purchase interest rate of 11.99% p.a., complimentary insurance covers and up to 55 days interest-free on purchases.
NAB Low Fee Card
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.
ANZ Rewards Platinum
50,000 bonus points
ANZ Rewards Program
1.5
18.79% p.a.
$95 p.a.
Receive 50,000 bonus Reward Points and $50 back onto your card when you spend $2,000 on eligible purchases in the first 3 months.
NAB Low Fee Platinum Card
19.74% p.a.
$90 p.a.
Offers 7 complimentary insurance covers and 0% p.a. for 6 months on balance transfers for a $90 p.a. annual fee.
Commonwealth Bank Platinum Awards Credit Card
100,000 bonus points
CommBank Awards
1
20.24% p.a.
$249 p.a.
Get 100,000 bonus CommBank Awards points when you spend $4,000 on eligible purchases with your new card by 31 October 2019.
ANZ Rewards Credit Card
25,000 bonus points
ANZ Rewards Program
1
18.79% p.a.
$80 p.a.
Earn uncapped Reward Points and get 25,000 bonus points when you spend $1,000 within the first 3 months from approval.
Commonwealth Bank Awards Credit Card
30,000 bonus points
CommBank Awards
1
20.24% p.a.
$59 p.a.
Get 30,000 bonus CommBank Awards points when you spend $2,000 on eligible purchases with your new card by 31 October 2019.
NAB Low Rate Platinum Card
0% for 15 months, reverts to 13.99% p.a.
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$45 p.a.
A no-frills card with a competitive annual fee, a low variable purchase interest rate of 11.99% p.a. and up to 55 interest-free days on purchases.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
American Express Gold Business Card
Membership Rewards Ascent
1.5
N/A
$169 p.a.
Take advantage of a no pre-set spending limit, data that feeds to MYOB and up to 51 days interest-free on purchases.
American Express Velocity Business Card
Velocity Frequent Flyer
1
N/A
$249 p.a.
Take advantage of Velocity Points per $1 spent, no pre-set spending limit, 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 month balance transfer offer.

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.

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 below outlines the participating banks and financial institutions.

Banks with Google Pay
American Express (Cards issued by Amex) Nexus Mutual People’s Choice Credit Union Ltd
ANZ (Visa, Amex, Mastercard Credit/ Debit cards) First Option Credit Union Police Bank Limited
Bank Australia Goulburn Murray Co-Op Limited QT Mutual Bank Limited
Bank Of Sydney Holiday Coast Credit Union Ltd Queenslanders Credit Union Limited
Bendigo Bank (Visa/ MC, Credit/ Debit) Horizon Credit Union Endeavour Mutual Bank
Beyond Bank Australia Illawarra Credit Union South West Slopes Credit Union Ltd
Big Sky Building Society Limited ING Sydney Credit Union Ltd
CAPE Credit Union Limited Intech Credit Union Limited Teachers Mutual Bank Limited
Catalyst Money Laboratories Credit Union Limited The Mac
Central West Credit Union Limited Macquarie (Visa/ MC, Credit/ Debit) The Rock
Community First Credit Union Unity Bank WAW Credit Union Co-Operative Limited
Credit Union Australia Ltd MyState Bank Limited Woolworths Employees’ Credit Union Limited
Credit Union SA Ltd Northern Beaches Credit Union Wyong Shire Credit Union Limited
Defence Bank Limited Northern Inland Credit Union Limited Bankwest

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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