Credit cards with Google Pay

Want to make credit card payments straight from your mobile? Here's how it works with Google Pay.

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% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
HSBC Platinum Credit Card
0% p.a. for 36 months
19.99% p.a.
$29 annual fee for the first year ($129 p.a. thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
ANZ Rewards Platinum - Exclusive Offer
20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($95 p.a. thereafter)
150,000 bonus Reward Points (worth $670 in gift cards) when you spend $1,500 on eligible purchases in the first 3 months. $0 first year annual fee. Ends 30 July 2021.
Westpac Low Rate Card
0% p.a. for 28 months with 1% balance transfer fee
13.74% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Bendigo Bank Low Rate Credit Card
0% p.a. for 12 months with 2% balance transfer fee
0% p.a. for 12 months, reverts to 11.99% p.a.
Save with 0% p.a. on purchases and balance transfers for 12 months (with a 2% BT fee).
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
American Express Qantas Business Rewards Card
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 2 yearly Qantas Club lounge passes and 3x points on eligible Qantas flights.
American Express Velocity Escape Card
20.74% p.a.
Earn 0.75 Velocity Points on your everyday purchases, uncapped, and pay $0 annual fee for the life of the card with this no-frills frequent flyer card.
Qantas American Express Discovery Card
20.74% p.a.
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.
St.George Amplify Signature - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
Get 90,000 bonus Qantas Points when you spend $6,000 using your new card within 90 days from approval and 2 Qantas Club lounge invitations per year.
ANZ Low Rate
0% p.a. for 30 months
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Ultimate Card
20.74% p.a.
Receive 55,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a $450 Qantas Travel Credit each year.
American Express Velocity Platinum Card
20.74% p.a.
Get 120,000 bonus Velocity Points and 120 Velocity Status Credits when you spend $4,500 in the first 3 months. Plus a complimentary domestic flight each year.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
Receive complimentary insurance covers and 0% p.a. for 6 months on balance transfers.
American Express Velocity Business Card
ABN holders w/ $75,000 revenue. Receive 100,000 bonus Velocity Points when you spend $3,000 within the first 2 months from card approval.
ANZ Platinum Credit Card
20.24% p.a.
0% p.a. for 17 months, reverts to 20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.

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Google Pay is a payment service from Google that lets you make purchases straight from your phone (or another compatible device) – without having to pull out your actual wallet or a card. Google Pay can be used with selected Visa, Mastercard and American Express credit cards from participating financial institutions, including ANZ, American Express, CommBank, NAB and Westpac.

If you already use a credit card and want to add it to Google Pay, you can check if your provider is supported using the table below. Plus, get details on how to add or remove payment details through your Google Pay account – and how your payments are protected.

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 PayBanks without Google Pay
American ExpressHeritage Bank❌ BOQ
ANZHSBC❌ Citibank
Bank AustraliaING❌ Coles
Bank of MelbourneMacquarie Bank❌ Qantas Money
BankSANAB❌ Virgin Money
Bendigo BankSuncorp
Beyond Bank AustraliaUBank
Community First Credit UnionUp Money
Commonwealth BankWestpac

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.

How to add a credit or debit card to Google Pay

  1. Open the Google Pay app
  2. At the bottom right, tap Add and then Payment method
  3. Use the camera to upload your card details or type it in manually
  4. If you're asked to verify your payment method, choose an option from the list and then enter the verification code
  5. Next to your new card, select Enable contactless

How to remove a credit or debit card from Google Pay

  1. Open the Google Pay app
  2. At the top left, click MenuMenu and then choose Payment methods
  3. Select the card(s) you want to remove
  4. At the top right, tap MoreMore and then Remove payment method

What if my credit card is not supported by Google Pay?

If you have a credit card that's not currently compatible with Google Pay, you won't be able to add it as a payment method in the app. But depending on your card and phone, you could be able to make mobile payments through another app.

For example, while Coles Mastercard credit cards are not currently supported by Google Pay, they are supported by Samsung Pay or Apple Pay if you have a mobile device that works with either of those apps.

Images: Shutterstock

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