Credit cards with Samsung Pay
Leave your wallet at home and save time at the register by paying with a Samsung smartphone. Find out more and compare Samsung Pay credit cards here.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Samsung Pay is an app that allows you to make tap-and-go payments from your Samsung phone or compatible device. It is supported by many Australian banks and credit card providers – including American Express, ANZ, Citi, CommBank, NAB and Westpac.
Use this guide to learn more about Samsung Pay, including how it works and current credit cards that are compatible with this mobile payment option.
Earn up to 110,000 bonus Qantas Points
Discounted $295 first year annual fee
Eligibility criteria, terms and conditions, fees and charges apply
NAB Credit Card Offer
Earn up to 110,000 bonus Qantas Points, take advantage of complimentary insurance covers and a 24/7 concierge service.
- 90,000 bonus Qantas Points (spend $3,000 within the first 60 days) and 20,000 points after 12 months
- First-year annual fee of $295 ($395 p.a. thereafter)
- 19.99% p.a. purchase interest rate | 21.74% p.a. cash advance rate
- Minimum credit limit of $15,000
Comparison of Credit Cards with Samsung Pay
How does Samsung Pay work?
Samsung Pay uses NFC (Near Field Communication) and MST (Magnetic Secure Transaction) technology embedded in Samsung devices to allow you to make payments at the checkout. Instead of tapping your credit card against the payment machine, you just swipe up on your smartphone screen, authenticate the transaction using your fingerprint and tap your phone against the contactless terminal.
The phone must be within 3cm of the terminal to complete the payment. If your purchase is over $100, you can still use Samsung Pay, but you'll be required to type in your credit card's 4-digit PIN instead of using your fingerprint.
Which devices are compatible with Samsung Pay?
The app is available from the Samsung Galaxy S6 onwards, which all have the integrated NFC chip and a magnetic coil built into them. This includes the Galaxy S6, S6 Edge+, Note 5, Galaxy S7 and Galaxy S7 Edge.
How to install Samsung Pay
- On the Home screen, select Apps.
- Touch Samsung Pay.
- Select INSTALL to download the file.
- If there are updates to the built-in application, touch INSTALL.
- Touch OPEN to start using Samsung Pay.
How to add your card details to your Samsung Pay app
When you open the Samsung Pay app, you'll be asked to register your cards. You can register your card by scanning your physical card with Samsung Pay or manually inputting the card information. Then, depending on your bank's policies, Samsung Pay will prompt you to verify your identity through a text message or phone call. It can take up to 10 minutes for the registration to complete.
You can register up to 10 payment cards under 1 Samsung Pay account. Please note that your bank may have separate terms and conditions regarding how many cards you can register with Samsung Pay, so make sure to confirm this directly if you want to register multiple cards.
Is Samsung Pay safe to use?
Samsung Pay was designed to be just as safe, if not safer, than regular contactless card payments. Samsung Pay uses Tokenisation, a Secure Environment and Samsung KNOX to keep your payment information safe. What does this mean?
- Tokenisation. None of your personal bank information is stored on your Samsung device or the Samsung service. Instead, Samsung Pay uses Tokenisation to replace your sensitive payment information (such as the card number, expiration date, security code etc) with a device-specific token which acts as a stand-in value.
- Secure Environment. A Secure Environment, sometimes referred to as a Trusted Execution Environment, refers to the physically segregated chip in the card that only allows access to highly sensitive operations such as fingerprint and payment information. Normal applications can't access the information in a Secure Environment.
- Samsung KNOX. Samsung KNOX runs scans to determine whether or not your device is secure. Samsung KNOX can permanently disable Samsung Pay on a threatened device to protect your payment information.
In addition to these features, you can use Samsung's "Find My Mobile" service to remotely lock or wipe your device if it is lost or stolen. This ensures that no one else can use your Samsung phone for contactless payments. Please note that this means that you'll have to register your cards again if you get a new phone, as no data will be stored in the application.
If you're not with American Express, Citi and Westpac but are looking forward to using Samsung's contactless payment technology, keep checking finder for the latest information on which banks join the Samsung Pay ranks. If you don't use a Samsung device, you can use our Google Pay and Apple Pay guides to compare your options.
You might also be interested in
More guides on Finder
Finder’s RBA Cash Rate Survey: 60% of experts blame BNPL for drop in credit cards
Credit cards are being used less and experts say Buy Now Pay Later services such as Afterpay and Zip are to blame, according to new research from Finder. In this month's Finder RBA Cash Rate Survey™, 39 experts and economists weighed in on future cash rate moves and other issues related to the state of the Australian economy.
Citi Rewards Card – Bonus Points Offer
Earn flexible rewards points as you spend and enjoy a big 100,000 bonus points offer with the Citi Rewards Credit Card.
HSBC Platinum Credit Card
This card offers 0% interest on balance transfers for 36 months, a discounted $29 first year annual fee and platinum benefits including airport lounge passes and complimentary insurance covers.
Square vs Stripe
Discover how Square and Stripe can help you process your business payments.
Plastic profanities: The 8 credit card sins to avoid
Credit card misuse is rife in Australia, according to new research by Finder, Australia’s most visited comparison site.
Citi Rewards Card – Velocity Points Offer
Enjoy 100,000 bonus Velocity Points, a reduced first-year annual fee and points per $1 spent with the Citi Rewards credit card.
Find out your credit score using Credit Simple
How to find out your credit score using this free tool.
Square vs Shopify
We compare two of the leading merchant services on the market: Square and Shopify.
American Express Velocity Business Card
The American Express Velocity Business Card earns points per $1 spent and offers complimentary travel insurance and two complimentary Virgin Australia lounge passes each year.
The American Express Business Card
The American Express Business Card offers reliable service, a wide range of benefits, additional features, and competitive fees.
Ask an Expert