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 June 16th, 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.
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.
Get up to 100,000 bonus Velocity Points (25,000/m) when you spend $1,000/m for the first 4 months. Plus, luxury travel perks. Ends 19 June 2019.
Bendigo Bank Low Rate Platinum Mastercard
0% for 12 months, reverts to 11.99% p.a.
$89 p.a.
Offers a 0% p.a. introductory rate on purchases for 12 months, complimentary insurance covers and mobile payment compatibility.
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.
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 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.
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.
ANZ First Visa Credit Card
19.74% 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 44 days interest-free on purchases.
NAB Rewards Classic Card
30,000 bonus points
NAB Rewards
0.75
19.99% p.a.
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
David Jones American Express Platinum Card - Qantas Frequent Flyer
15,000 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.

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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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