Credit cards with Samsung Pay

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.

NAB Credit Card Offer

NAB Qantas Rewards Signature Card

Receive up to 130,000 bonus Qantas Points

Eligibility criteria, terms and conditions, fees and charges apply

NAB Credit Card Offer

Earn up to 130,000 bonus Qantas Points, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.

• 100,000 bonus Qantas Points (spend $3,000 within the first 60 days) and 30,000 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

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Comparison of Credit Cards with Samsung Pay

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Name	Product	Balance transfer rate	Purchase rate	Bonus points	Annual fee	Amount saved
NAB Qantas Rewards Signature Card Finder Award		0% p.a. for 6 months with 2% balance transfer fee	19.99% p.a.	130,000	$295 annual fee for the first year ($395 p.a. thereafter)		Up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, a reduced first year annual fee.	Go to site More Info	Compare	loading Fetching your data...
ANZ Low Rate		0% p.a. for 25 months with 1.5% balance transfer fee	12.49% p.a.	N/A	$0 annual fee for the first year ($58 p.a. thereafter)		Save with 0% p.a. on balance transfers for 25 months (with a 1.5% BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Card		0% p.a. for 30 months	21.49% p.a.	N/A	$49 annual fee for the first year ($149 p.a. thereafter)		Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
Qantas American Express Premium Card			20.74% p.a.	80,000	$249		Enjoy 80,000 bonus Qantas Points, $200 back and 2 complimentary Qantas Club lounge invitations per year.	Go to site More Info	Compare	loading Fetching your data...
Westpac Low Rate Card		0% p.a. for 24 months with 1% balance transfer fee	13.74% p.a.	N/A	$59		A low rate card offering 0% p.a. interest on balance transfers for the first 24 months and a $200 cashback offer.	Go to site More Info	Compare	loading Fetching your data...
Citi Clear Card		0.9% p.a. for 15 months	0.9% p.a. for 15 months, reverts to 14.99% p.a.	N/A	$99		Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.	Go to site More Info	Compare	loading Fetching your data...
NAB Low Rate Credit Card		0% p.a. for 20 months with 2% balance transfer fee	12.99% p.a.	N/A	$59		Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.	Go to site More Info	Compare	loading Fetching your data...
American Express Platinum Edge Credit Card			20.74% p.a.	50,000	$195		Receive 50,000 bonus points when you spend at least $1,500 within the first 3 months. Plus, receive $200 travel credit each year. Ends 27 Jan 2021.	Go to site More Info	Compare	loading Fetching your data...
NAB Low Fee Card		0% p.a. for 6 months with 2% balance transfer fee	19.74% p.a.	N/A	$30		Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.	Go to site More Info	Compare	loading Fetching your data...
Westpac Altitude Platinum Credit Card - Existing Customer Offer		6.99% p.a. for 12 months	20.49% p.a.	100,000	$0 annual fee for the first year ($150 p.a. thereafter)		Westpac customers only: Earn 100,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, a first-year annual fee waiver.	Go to site More Info	Compare	loading Fetching your data...
Westpac Altitude Platinum Qantas – Existing Customer Offer		6.99% p.a. for 12 months	20.49% p.a.	75,000	$50 annual fee for the first year ($200 p.a. thereafter)		Westpac customers only: Get 75,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, $50 first-year annual fee.	Go to site More Info	Compare	loading Fetching your data...
American Express Velocity Platinum Card			20.74% p.a.	50,000	$375		Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.	Go to site More Info	Compare	loading Fetching your data...
American Express Qantas Business Rewards Card			N/A	150,000	$450		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.	Go to site More Info	Compare	loading Fetching your data...
American Express Gold Business Card			N/A	100,000	$169		ABN holders w/ $75,000 revenue. Get 100,000 bonus Membership Rewards Points and up to 51 days to pay for purchases.	Go to site More Info	Compare	loading Fetching your data...
American Express Explorer Credit Card			20.74% p.a.	150,000	$395		Get 120,000 bonus points when you spend $3,000 in the first 3 months. Plus, 30,000 points in the second year. Ends 27 Jan 2021.	Go to site More Info	Compare	loading Fetching your data...

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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

1. On the Home screen, select Apps.
2. Touch Samsung Pay.
3. Select INSTALL to download the file.
4. If there are updates to the built-in application, touch INSTALL.
5. 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.

Full list of Australian banks that support Samsung Pay

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.