Apple Card: Key details and alternatives in Australia

What Australians need to know about the Apple credit card that integrates with your iPhone.

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 featuresApple card display on iPhone

  • 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.

Promoted
0% p.a. for 24 months on balance transfers (with 1% balance transfer fee). $55 annual fee.

Compare credit cards with Apple Pay

Product Balance transfer rate p.a. Intro purchase rate Bonus points Annual fee Amount Saved
ANZ Low Rate - Credit Back Offer image
21.99%
Intro purchase rate
13.74%
N/A
$58
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
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American Express Essential Rewards Credit Card image
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.
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Qantas Premier Everyday image
Intro purchase rate
20.99%
8,000
$99
Offers 8,000 bonus Qantas Points when you spend at least $3,000 on eligible purchases within the first 3 months, plus complimentary insurance.
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David Jones Premiere Credit Card image
Intro purchase rate
23.99%
N/A
$0 first year ($99 after)
Get a $0 first-year annual fee plus complimentary express delivery and gift wrapping at David Jones. Ends 13 July 2025.
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American Express Platinum Business Card image
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. ABN holders w/ $75,000 revenue.
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American Express Qantas Business Rewards Card image
Intro purchase rate
0%
150,000
$450
Earn 150,000 bonus Qantas Points and $250 in your Qantas Business Rewards Travel Fund when you spend $6,000 on eligible purchases in the first 3 months. ABN holders w/ $75k revenue.
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American Express Platinum Card image
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.
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American Express Velocity Escape Plus Card image
Intro purchase rate
23.99%
20,000
$95
Get 20,000 bonus Velocity Points when you meet the spend requirement, receive $50 statement credit and earn up to 1.75 Velocity Points per $1 spent.
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Westpac Altitude Platinum Card image
Intro purchase rate
20.99%
120,000
$99 first year ($175 after)
Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
Go to site More info
Compare product selection
St.George Amplify Signature image
Intro purchase rate
20.99%
180,000
$199 first year ($295 after)
Up to 180,000 bonus Amplify Points (130,000 points when you spend $12,000 in the first year of card approval & an extra 50,000 points after the first eligible spend the following year). Plus, a $199 first-year annual fee.
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Compare product selection
Qantas American Express Ultimate Card image
Intro purchase rate
23.99%
90,000
$450
Limited time offer: Get up to 90,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months. Plus, a yearly $450 Travel Credit.
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Compare product selection
Westpac Lite Card image
Intro purchase rate
9.9%
N/A
$108
Save with 0% foreign transaction fees, a low interest rate on purchases and cashback offers through Westpac Extras.
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Compare product selection
David Jones Prestige Credit Card image
Intro purchase rate
23.99%
N/A
$0 first year ($295 after)
Earn up to 4 David Jones Rewards Points per $1 on eligible spending, plus enjoy a $0 annual fee in the first year, along with complimentary insurance and lounge access. Ends 13 July 2025.
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ANZ Rewards Platinum image
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
ANZ Rewards Platinum - Velocity Points image
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 40,000 points when you keep your card open for 15 months from activation.
Go to site More info
Compare product selection
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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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