Apple Card: Key details and alternatives in Australia

Apple Card is tech giant Apple's first move into the credit card space. It's available in the US and is issued by Goldman Sachs, with a virtual card that's integrated into the Wallet app and works with Apple Pay. There's also an optional metal card for in-person payments.

In the US, Apple Card became available for application on 20 August 2019. In April 2023, Apple also launched an Apple Card Savings Account in the US.

Will Apple Card be available in Australia?

As of 2023, Apple has still not announced any plans for releasing Apple Card outside of the US. We'll update this page with any updates from Apple about an Australian launch of its credit card or its saving account. In the meantime, your closest option is a credit card that offers cashback and can integrate with Apple Pay.

You could also look at other virtual credit cards and cards that offer contactless payments.

Apple Card features

• Integrated with Apple Pay. Apple Card works via the Wallet app that lets you use Apple Pay. You can apply for the card through the Wallet app and transactions will show up in real time on your iPhone. Only devices with the latest version of iOS, watchOS, or macOS have access to Apple Card's full range of features. But you can still use it to make payments with an Apple Watch or other compatible devices with Apple Pay.
• A numberless titanium card. Cardholders can order a titanium card designed by Apple, which can be used with retailers that don't support Apple Pay. Unusually, it doesn't feature either a credit card number or CVV, which is a move designed to improve security. Instead, these details are stored in the Wallet.
• Daily Cash for cashback rewards. Apple Card offers cashback payments on every purchase you make on the card. Most purchases made using Apple Pay get 2% daily cashback. Purchases from Apple and select partner retailers earn 3%, while purchases with the physical card get 1% back. Some of the partnered retailers include Panera Bread, T-Mobile, Nike, Walgreens, Exxon Mobile and Ace Hardware. Apple Card doesn't let you earn frequent flyer points or integrate with other rewards schemes.
• No annual fee, foreign currency conversion fees or late fees. Apple is heavily promoting the "no-fees" aspect of the card. Important point: while there are no late fees as such, you will be charged additional interest if you don't make payments on time.
• Real-time interest estimates. The Apple Card shows estimates of how much interest you'll be charged, based on any payment amount you choose. This feature is similar to other credit card repayment calculators and gives you a chance to adjust your payment amount or budget for interest before it's charged.
• Spending tracker. The Apple Wallet automatically categorises all your spending and shows you where the spending happened using integration with Apple Maps.
• Instalment plans. When cardholders use their Apple Card to buy a new iPhone from Apple, they can pay it off with interest-free monthly instalments over 24 months. These instalments are subject to credit availability and minimum payments apply.
• Security features. Credit card numbers are issued per device and will need to be authorised with Touch ID or Face ID. Apple has stated that it will not be able to see what you buy or where you buy it.

As of 1 February 2024, the advertised interest rate for the US version of the card varied from 19.24% to 29.49%, based on creditworthiness. Those rates have been rising since 2023. We'd always recommend comparing the interest rates before signing up for a card, to make sure you're not paying over the odds.

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Westpac Low Rate Card

0% p.a. on balance transfers for 20 months (with a 3% balance transfer fee).

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Balance transfer rate p.a.	Purchase rate p.a.	Bonus points	Annual fee	Amount Saved
ANZ Low Rate - Credit Back Offer	21.99%	Intro purchase rate 13.74%	N/A	$58		Get $400 back on your card when you spend $5,000 on eligible purchases in the first 6 months from approval.	Go to site More info Compare product selection Compare	loading
American Express Essential Rewards Credit Card Most Loved		Intro purchase rate 23.99%	40,000	$108		Earn 40,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months. New American Express card members only. T&Cs apply.	Go to site More info Compare product selection Compare	loading
Qantas Money Everyday	0% for 12 months with 3% balance transfer fee, then 21.99%	Intro purchase rate 20.99%	8,000	$99	$678.32 over 12 months	Offers 8,000 bonus Qantas Points when you spend at least $3,000 on eligible purchases within the first 90 days, plus a 0% p.a. balance transfer offer, with 3% balance transfer fee.	Go to site More info Compare product selection Compare	loading
American Express Platinum Business Card Most Loved		Intro purchase rate 0%	300,000	$1,750		Limited-time offer: Get 300,000 Bonus Membership Rewards Points when you spend $12,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply. ABN holders w/ $75,000 revenue.	Go to site More info Compare product selection Compare	loading
American Express Qantas Business Rewards Card Finder AwardMost Loved		Intro purchase rate 0%	130,000	$450		Earn 130,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 2 months. New American Express card members only. T&Cs apply. ABN holders w/ $75k revenue.	Go to site More info Compare product selection Compare	loading
American Express Platinum Card Most Loved		Intro purchase rate 0%	150,000	$1,450		Earn 150,000 Bonus Membership Rewards Points when you spend $5,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply.	Go to site More info Compare product selection Compare	loading
American Express Velocity Escape Plus Card Most Loved		Intro purchase rate 23.99%	30,000	$95		Get 30,000 bonus Velocity Points when you spend $3,000 on eligible purchases in the first 3 months, plus a $50 Virgin Australia Statement Credit. New American Express card members only. T&Cs apply.	Go to site More info Compare product selection Compare	loading
Qantas American Express Ultimate Card Finder AwardMost Loved		Intro purchase rate 23.99%	90,000	$450		Limited time offer: Get up to 90,000 bonus Qantas Points. Plus, a yearly $450 Travel Credit. New American Express card members only. T&Cs apply.	Go to site More info Compare product selection Compare	loading
ANZ Rewards Platinum	21.99%	Intro purchase rate 20.99%	125,000	$149		Earn up to 125,000 bonus ANZ Reward Points: 85,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 40,000 points when you keep your card open for 15 months from activation.	Go to site More info Compare product selection Compare	loading
ANZ Rewards Platinum - Velocity Points	21.99%	Intro purchase rate 20.99%	80,000	$149		Earn up to 80,000 bonus Velocity Points: 60,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 20,000 points when you keep your card open for 15 months from activation.	Go to site More info Compare product selection Compare	loading
American Express Business Gold Plus Card Most Loved		Intro purchase rate 0%	100,000	$395		Get 100,000 Bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, earn up to 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell. New Amex card members only. T&Cs apply. ABN holders w/ $75,000 revenue.	Go to site More info Compare product selection Compare	loading
ANZ Qantas Business Rewards		Intro purchase rate 20.24%	150,000	$375		ABN holders w/ $75k revenue. Get up to 150,000 bonus Qantas Points when you meet the spend requirements, uncapped Qantas Points and complimentary travel insurance. Plus, a fast-track to Qantas Business Rewards Level 2.	Go to site More info Compare product selection Compare	loading
NAB Low Rate - Cashback Offer Most Loved	0% for 12 months with 3% balance transfer fee, then 21.74%	Intro purchase rate 13.49%	N/A	$59	$718.32 over 12 months	Offers $400 cashback when you spend $5,000 on everyday purchases within the first 150 days.	Go to site More info Compare product selection Compare	loading
Qantas Money Titanium		Intro purchase rate 20.99%	150,000	$1,200		Get 150,000 bonus Qantas Points when you spend $5,000 in the first 90 days. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.	Go to site More info Compare product selection Compare	loading
Latitude Low Rate Mastercard - Purchase Offer	6.99% for 12 months with 3% balance transfer fee, then 29.99%	Intro purchase rate 0% for 9 months, then 13.99%	N/A	$69	$388.61 over 12 months	Enjoy 0% p.a. on purchases for the first 9 months and 3% back in Latitude Rewards. T&Cs, annual card fee and other charges apply. Applies to general purchases only. Excludes any other offers. New customers only approved by 12 January 2026.	Go to site More info Compare product selection Compare	loading

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Will Apple Card work if I don't have an iPhone?

In the US, you need to have the Wallet app and an iPhone or iPad, Apple Watch or Mac. For example, you can use it with iPhones that have Face ID or Touch ID (except iPhone5s). If you don't add a compatible Apple device to your account after getting an Apple Card, you could only use it for eligible Apple purchases.

Apple hasn't announced any plans to support the card on Android and it's highly unlikely that will happen. While a physical card is also supplied for use in stores that don't directly accept Apple Pay, you need to sign into your iCloud account with a valid Apple ID as part of the application process.

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Angus Kidman

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Angus Kidman is Finder’s International Editor-at-Large and an award-winning journalist with over 30 years of experience in tech, travel and finance. He was previously the editor of Lifehacker Australia and Australian Personal Computer, and is a recognised commentator, appearing on shows like Sunrise and The Project. A two-time IT Journalism Award winner, Angus has written for top publications such as The Sydney Morning Herald, the AFR, The Australian and Gizmodo, and is known for his expertise in travel rewards and consumer technology. See full bio

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Amy Bradney-George

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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