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Credit cards with Apple Pay

Want to know if Apple Pay works with your credit card? Here's a list of banks and issuers that support Apple Pay, plus how it works.

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By

Sally McMullen

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Rebecca Pike

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Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Citi Clear Card - Exclusive Offer
Exclusive
Purchase rate p.a.
14.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1.5% balance transfer fee, then 22.24%
Annual fee
$49 first year ($99 after)
Go to siteMore Info
 Offers 0% p.a. on balance transfers for 24 months (with 1.5% balance transfer fee) and a $49 first-year annual fee.
ANZ Low Rate - Credit Back Offer
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$58
Go to siteMore Info
 Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
Westpac Low Rate Card - Cashback Offer
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$59
Go to siteMore Info
 A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Citi Premier Card - Cashback Offer
Citi Rewards Program
Purchase rate p.a.
21.49%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 6 months, then 22.24%
Annual fee
$300
More Info
 Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 3 months.
Westpac Low Rate Card
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.49%
Annual fee
$59
Go to siteMore Info
 Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
Qantas Premier Platinum
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
80,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months, then 21.99%
Annual fee
$349 first year ($399 after)
Go to siteMore Info
 Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers. Ends on 01 May 2024.
ANZ Platinum Credit Card
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$0 first year ($87 after)
Go to siteMore Info
 Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
Qantas Premier Everyday
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
8,000
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
Annual fee
$99
Go to siteMore Info
 Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
ANZ Qantas Business Rewards
Qantas Business Rewards
Purchase rate p.a.
20.24%
Bonus points
130,000
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$375
Go to siteMore Info
ABN holders w/ $75k revenue. Get 130,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a fast-track to Qantas Business Rewards Level 2.
Qantas American Express Ultimate Card
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
60,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Go to siteMore Info
 Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
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Most major banks and credit card issuers in Australia now offer Apple Pay, which means you can make payments directly from an iPhone, Apple Watch or even an iPad (as long as it's a newer model that offers Apple Pay compatibility).

But there are still some credit cards that don't work with Apple Pay, even if the transaction account equivalent does. So here, we've got a rundown of which banks and brands offer Apple Pay on their credit cards and which ones don't. Plus more details on how to use Apple Pay when you have a compatible credit card.

Which banks and issuers are partnered with Apple Pay?

Compatible with Apple PayNot compatible with Apple Pay
  • American Express
  • BOQ
  • NAB
❌ Myer
  • ANZ
  • Citi
  • Qantas Money
  • Bank of Melbourne
  • Coles
  • St.George
  • BankSA
  • CommBank
  • Suncorp
  • Bankwest
  • HSBC
  • Virgin Money
  • Bendigo Bank
  • Kogan Money
  • Westpac

How does Apple Pay work?

apple pay logo
Apple Pay uses NFC (Near Field Communication) technology that's built in your device, allowing you to tap it against the card reader to pay for your purchases without getting your card out.

It works with any iOS device that offers Apple Pay compatibility. The number of cards you can add depends on the phone: up to 8 accounts pre-iPhone 8, up to 12 accounts for iPhone 8, and up to 16 accounts for iPhone XS or later. You can also use the digital wallet with Apple Watch and some iPads.

How to add your credit card to Apple Wallet and set up Apple Pay

Before you can start using the app, you'll need to store your eligible card details in the Wallet app.

  1. Open Wallet. On an iPhone this will be an app on your home screen. On an iPad you need to open Settings and tap "Wallet & Apple Pay".
  2. Tap the + symbol in the app.
  3. Select "Debit or credit card". Then click Continue in the next screen.
  4. Scan your credit card. Make sure the credit card is positioned perfectly in the frame to scan it. You can also manually type in the details if needed.
  5. Confirm details. Check the details have been scanned incorrectly. Then tap "Next". Your bank will then verify your information to determine whether or not your card is compatible with Apple Pay. You may be asked to provide more details to verify your card.
  6. Tap "Next". You can now start using Apple Pay at participating outlets. You should also see the option to pair with Apple Watch.

phone hovering on credit card terminal

Is Apple Pay safe to use?

Apple Pay includes a number of measures that protect your data and device. For example, instead of using your actual credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and safely stored in a dedicated chip in your Apple device known as the Secure Element.

When you use Apple Pay to make a purchase, the Device Account Number and a transaction-specific dynamic security code are used to approve your payment. Unlike physical credit cards, every payment requires a Touch ID, Face ID or a passcode, which reduces the chances of someone using your phone for payments if it's stolen.

What if my device is lost or stolen?

If your iPhone or iPad is misplaced or stolen, you can use the "Find My iPhone" app to put your device in Lost Mode. This allows you to either suspend Apple Pay or to wipe your device clean. If you've synced your device with iCloud, you can log in to your iCloud account and select "Settings" to disable your phone from making payments with your credit or debit card.

What are Apple Pay alternatives?

Apple Pay is an easy way for iPhone fans to make contactless payments with a tap of their smartphone. If you don't use an Apple device, you may want to consider options such as Google Pay or Samsung Pay. Otherwise, you can also compare debit cards with contactless payment capability.

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4 Responses

    Default Gravatar
    StephenDecember 3, 2018

    What about ANZ Rewards Black and ANZ Frequent Flyer Platinum or Black?

    Reply
      AvatarFinder
      JhezelynDecember 8, 2018Finder

      Hello Stephen,

      Thank you for your comment.

      According to ANZ, yes, Apple Pay supports ANZ Rewards Black Visa, ANZ Frequent Flyer Black Visa and ANZ Frequent Flyer Platinum Visa.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

      Reply
    Default Gravatar
    StephenNovember 29, 2018

    What about ANZ Rewards Black and ANZ Frequent Flyer Black or Platinum?

    Reply
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