Apple Card: Key details and alternatives in Australia
What Australians need to know about the Apple credit card that integrates with your iPhone.
Key takeaways
- Apple Card is exclusively available in the US, with no announced plans for Australia.
- The US card offers daily cashback rewards and deep integration with your iPhone Wallet app for security.
- Australians can find similar features like Apple Pay and cashback, among local credit card options.
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 JPMorgan Chase set to take over as the issuer under an agreement Apple and Chase announced on 7 January 2026. Apple expects the transition to take around 24 months, and Mastercard stays on as the payment network. The card itself is 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 2026, 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 Mobil 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 March 2026, the advertised interest rate for the US version of the card varied from 17.49% to 27.74% , based on creditworthiness. We'd always recommend comparing the interest rates before signing up for a card, to make sure you're not paying over the odds.
Compare credit cards with Apple Pay
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseWill 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.
Sources
More resources on Finder
Ask a question
More guides on Finder
-
Best credit cards for first timers
What to look for when choosing your first credit card, including insights and tips from Finder’s experts.
-
Wizitcard Review
The Wizitcard offers an alternative to traditional credit cards and buy now pay later, with no interest charges, a monthly fee and a virtual account – is it right for you?
-
Gold credit cards
Gold credit cards are a step up from basic cards, with more perks like rewards, complimentary insurance and airport lounge invitations.
-
Visa credit cards – compare Australian cards that use the Visa network
With contactless payments, exclusive entertainment offers and online shopping benefits, Visa credit cards offer a wide range of benefits you can enjoy with most issuers in Australia.
-
Joint credit cards in Australia – your options
Learn which credit card issuers allow joint-account credit card applications so you can decide if this option is right for you.
-
Can a business refuse credit card payments?
Most businesses accept credit card payments, but some do not. Here’s why and how you can pay instead.
-
What is a credit card CVV or CVC number?
Shopping online with your credit card? Here's why you'll need your card's CVV – and where to find it.
-
Why is my credit card declined when I have money?
Understand why your bank may decline your credit card transaction and what you can to do avoid this embarrassing and inconvenient issue.
-
Credit card repayment calculator
Calculate how much you're paying in interest based on your current credit card repayments and discover how much you should pay each month to meet your financial goal.