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.
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
13.99% p.a.
0% p.a. for 18 months, reverts to 11.99% p.a.
Save on interest costs with 0% p.a. on purchases for up to 18 months (reverts to 11.99% p.a.). Plus, a $45 annual fee.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
Cashrewards Max benefit. Up to 130,000 bonus Qantas Points (100k first year, 30k second year) and $255 back when you meet the spend criteria.
Qantas American Express Ultimate Card
20.74% p.a.
Receive 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Westpac Low Rate Card - Cashback Offer
6.99% p.a. for 12 months
13.74% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Get $400 cashback when you spend $4,000 on eligible purchases within the first 4 months. Plus, a $0 first-year annual fee.
American Express Platinum Edge Credit Card
20.74% p.a.
Earn 50,000 bonus points when you spend $1,500 within the first 3 months. Plus, a $200 statement credit offer.
American Express Qantas Business Rewards Card
0% p.a.
$0 annual fee for the first year ($450 p.a. thereafter)
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points when you spend $3,000 in the first 2 months. Plus, save with a $0 annual fee for the first year.
American Express Velocity Escape Card
20.74% p.a.
Get 0.75 points on your everyday purchases, uncapped, and a $0 annual fee for the life of the card.
Qantas American Express Discovery Card
20.74% p.a.
Save with a $0 annual fee for the life of the card plus uncapped Qantas Points on your purchases.
ANZ Low Rate
0% p.a. for 30 months
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Now eligible for Cashrewards Max. 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.
American Express Velocity Platinum Card
20.74% p.a.
Earn 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus, a complimentary return domestic flight per year.
ANZ Frequent Flyer Platinum
20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($295 p.a. thereafter)
Now offering Cashrewards Max. Receive 70,000 bonus Qantas Points when you spend $2,500 on eligible purchases within 3 months. Plus, a $0 first-year annual fee.
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
0% p.a.
ABN holders w/ $75,000 revenue. Receive 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.

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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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