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Most of the time when you pull out a credit card, it's just to make a payment. But what if you could get other benefits too?
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
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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