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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 GooglePay (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 July 16th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Citi Rewards Platinum Credit Card
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
American Express Velocity Escape Card
Velocity Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
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 Discovery Card
Qantas Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer


1.5
20.74% p.a.
$450 p.a.
Receive 55,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
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


1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,100 VIP lounges worldwide.
American Express Explorer Credit Card
50,000 bonus points
Membership Rewards Gateway


2
20.74% p.a.
$395 p.a.
Receive 50,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
American Express Platinum Edge Credit Card
Membership Rewards Ascent


1
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
American Express Velocity Platinum Card
50,000 bonus points
Velocity Frequent Flyer


1.5
20.74% p.a.
$375 p.a.
Receive 50,000 bonus Velocity Points, a complimentary Virgin Australia return Economy domestic flight each anniversary year, plus, 2 lounge passes.
Qantas American Express Premium Card
30,000 bonus points
Qantas Frequent Flyer


1.25
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.
David Jones American Express
20,000 bonus points
Membership Rewards


1
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 20,000 bonus Membership Rewards points or 15,000 Qantas Points. Plus, uncapped points potential.
ANZ Rewards Platinum
65,000 bonus points
ANZ Rewards Program


1.5
18.79% p.a.
$95 p.a.
Receive 65,000 bonus Reward Points and $50 back onto your card after your first eligible purchase in 3 months, plus up to 1.5 points per $1 spent.
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 make an eligible purchase in the first 3 months from approval.
David Jones American Express Platinum Card
40,000 bonus points
Membership Rewards


1
20.74% p.a.
$295 p.a.
For DJ's shoppers or Qantas travellers, receive 40,000 bonus Membership Rewards points or 30,000 Qantas Points with uncapped points potential.
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
10,000 bonus points
Membership Rewards Ascent


1
$169 p.a.
Take advantage of 10,000 bonus points, 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
$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)
Receive 1 point per $1 spent on eligible purchases, up to $50 cashback when you meet the minimum spend and a 15 month balance transfer offer.
ANZ Platinum Credit Card
19.74% p.a.
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.

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.
Google Pay logo

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 MutualPeople’s Choice Credit Union Ltd
ANZ (Visa, Amex, Mastercard Credit/ Debit cards)First Option Credit UnionPolice Bank Limited
Bank AustraliaGoulburn Murray Co-Op LimitedQT Mutual Bank Limited
Bank Of SydneyHoliday Coast Credit Union LtdQueenslanders Credit Union Limited
Bendigo Bank (Visa/ MC, Credit/ Debit)Horizon Credit UnionEndeavour Mutual Bank
Beyond Bank AustraliaIllawarra Credit UnionSouth West Slopes Credit Union Ltd
Big Sky Building Society LimitedINGSydney Credit Union Ltd
CAPE Credit Union LimitedIntech Credit Union LimitedTeachers Mutual Bank Limited
Catalyst MoneyLaboratories Credit Union LimitedThe Mac
Central West Credit Union LimitedMacquarie (Visa/ MC, Credit/ Debit)The Rock
Community First Credit UnionUnity BankWAW Credit Union Co-Operative Limited
Credit Union Australia LtdMyState Bank LimitedWoolworths Employees’ Credit Union Limited
Credit Union SA LtdNorthern Beaches Credit UnionWyong Shire Credit Union Limited
Defence Bank LimitedNorthern Inland Credit Union LimitedBankwest

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.

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Amy Bradney-George

Amy is a senior writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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