woman on couch using iPhone

Credit cards with Apple Pay

Compare Australian credit cards that offer Apple Pay and learn how to make contactless payments with your iPhone.

Forget pulling your wallet out, Aussie card holders can now cut time at the check out with Apple Pay. The app allows you to make payments directly from your compatible iOS device including iPhones, iPads and Apple Watches. Similar to contactless credit cards, Apple Pay uses NFC (Near Field Communication) technology that’s built in your device, allowing you to simply tap it against the card reader to pay for your purchases without getting your card out.

Launched in the US in 2014, Apple Pay was first made available to Australians through American Express followed by ANZ with its Visa, Mastercard and American Express products. Since then, more than 30 other Australian banks and card issuers have partnered with Apple Pay.

Use our guide to compare the cards that offer Apple Pay and understand how you can use it to make secure and convenient payments. If you'd like a full overview of the mobile contactless payment options available, see our contactless payments guide.

Picture: Hadrian/Shutterstock

How does Apple Pay work?

apple pay logo
Apple Pay works with any iOS device that offers Apple Pay compatibility. On the iPhone side of things, that includes the iPhone 7, iPhone 6, 6 Plus, 6S, 6S Plus and SE. It also works with the Apple Watch and some iPads.

Compare credit cards with Apple Pay

Rates last updated August 19th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
ANZ Low Rate
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
HSBC Platinum Credit Card
HSBC Rewards Plus


1
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000.
Qantas American Express Discovery Card
Qantas Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
ANZ First Visa Credit Card
19.74% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
HSBC Low Rate Credit Card
13.25% p.a.
$79 p.a.
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
ANZ Rewards Credit Card
25,000 bonus points
ANZ Rewards Program


1
18.79% p.a.
$80 p.a.
Earn uncapped Reward Points and get 25,000 bonus points when you make an eligible purchase in the first 3 months from approval.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
ANZ Rewards Platinum
65,000 bonus points
ANZ Rewards Program


1.5
18.79% p.a.
$95 p.a.
Receive 65,000 bonus Reward Points and $50 back onto your card after your first eligible purchase in 3 months, plus up to 1.5 points per $1 spent.
American Express Platinum Edge Credit Card
Membership Rewards Ascent


1
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
Qantas American Express Premium Card
30,000 bonus points
Qantas Frequent Flyer


1.25
20.74% p.a.
$249 p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
American Express Velocity Platinum Card
50,000 bonus points
Velocity Frequent Flyer


1.5
20.74% p.a.
$375 p.a.
Receive 50,000 bonus Velocity Points, a complimentary Virgin Australia return Economy domestic flight each anniversary year, plus, 2 lounge passes.
American Express Gold Business Card
Membership Rewards Ascent


1
$169 p.a.
Take advantage of a no pre-set spending limit, data that feeds to MYOB and up to 51 days interest-free on purchases.
American Express Velocity Business Card
Velocity Frequent Flyer


1
$249 p.a.
Take advantage of Velocity Points per $1 spent, no pre-set spending limit, data that feeds into MYOB and up to 51 days interest-free on purchases.
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer


1.5
20.74% p.a.
$450 p.a.
Receive 55,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
American Express Velocity Escape Card
Velocity Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
ANZ Rewards Travel Adventures card
40,000 bonus points
ANZ Rewards Program


1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
American Express Explorer Credit Card
50,000 bonus points
Membership Rewards Gateway


2
20.74% p.a.
$395 p.a.
Receive 50,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Citi Rewards Platinum Credit Card
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
American Express Platinum Card
120,000 bonus points
Membership Rewards Ascent Premium


1
$1,450 p.a.
Annual $450 Platinum Travel Credit, up to 120,000 bonus Membership Rewards points and access to more than 1,200 VIP lounges worldwide.
Citi Simplicity Card
19.99% p.a.
$0 p.a.
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
American Express Qantas Business Rewards Card
60,000 bonus points
Qantas Business Rewards


1.25
$450 p.a.
Earn up to 60,000 bonus points, 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 51 days interest-free on purchases.
Citi Signature Credit Card
120,000 bonus points
Citi Rewards Program


1
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Receive 120,000 bonus points, two airport lounge visits per year, complimentary international travel insurance and a reduced first year annual fee.
Citi Signature Qantas Credit Card
50,000 bonus points
Qantas Frequent Flyer


0.5
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Receive 50,000 bonus Qantas Points, 2 yearly airport lounge visits and complimentary travel insurance. Plus, a discounted first year annual fee.
Emirates Citi World Mastercard
60,000 bonus points
Emirates Skyward Miles Program


1
20.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles, pay half the annual fee for the first year and indulge in curated local and global experiences.
Citi Prestige Card
150,000 bonus points
Citi Rewards Program


3
20.99% p.a.
$700 p.a.
Reward yourself luxuriously with 150,000 bonus Points, free hotel stays, exclusive events and unlimited airport lounge access with Priority Pass.
Citi Rewards Classic Credit Card
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 1 point per $1 spent on eligible purchases, up to $50 cashback when you meet the minimum spend and a 15 month balance transfer offer.
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.

Compare up to 4 providers

apple pay on iphone screen

How to add your card details to the Wallet app 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. If you’re using an iPad, open up Settings and tap “Wallet & Apple Pay”. If you’re using your iPhone or Apple Watch, open the “Wallet & Apple Pay” app.
  2. Select “Add Credit or Debit Card” and follow the prompts to enter your card information.
  3. 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. When you have the required information, go back to "Settings", then "Wallet & Apple Pay" and tap your card.
  4. Wait for verification from your bank, then tap "Next". You can now start using Apple Pay at participating outlets.

When you reach a terminal that shows the contactless payment symbol, there’s no need to open the app or wake up your display. Instead, your phone will use the internal NFC antenna to process the payment.

Simply hold your phone up to the contactless reader with your finger on the Touch ID. If you don’t have your fingerprint password activated, you’ll need to enter your password. Apple Pay can be used at any contactless payment terminal, so you should have no trouble finding places that accept mobile payments.

phone hovering on credit card terminal

Is Apple Pay safe to use?

Apple Pay includes a range of features that protect your data and device. For example, instead of using your actual credit and debit 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 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 credit cards, every payment requires a Touch 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.

Apple Pay may have only been introduced in Australia in late 2015, but it’s sure to become a popular contactless payment alternative over the next few years. 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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Pictures: Shutterstock

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Related Posts

Credit Card Offers

Important Information*
Citi Clear Platinum - Exclusive Offer

Interest rate

14.99

Annual fee

49*

*$99 p.a. after first year

Westpac Low Rate Card

Interest rate

13.49

Annual fee

0*

*$59 p.a. after first year

Westpac Altitude Platinum Card - Qantas

Interest rate

20.24

Annual fee

50*

*$200 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58

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