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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 byANZ with its Visa, MasterCard and American Express products. Today, however, 31 more Australian banks have already 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

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How does Apple Pay work?

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.

Picture: Shutterstock

Comparison of Credit Cards with Apple Pay

Rates last updated May 23rd, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
American Express Essential®  Credit Card
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
1 Up to 55 days on purchases 14.99% p.a. $0 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0 0 Up to 55 days on purchases 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Earn up to 3 Membership Rewards Points per $1 spent and receive a $200 Travel Credit every year.
1 0 Up to 55 days on purchases 20.74% p.a. $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Qantas American Express Discovery Card
Enjoy 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
1 Up to 44 days on purchases 20.74% p.a. $0 p.a. Go to site More info
ANZ Rewards Credit Card
Receive 25,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval, earn up to 1 point per $1 spent on eligible purchases, plus enjoy a $0 annual fee for the first year.
1 Up to 44 days on purchases 18.79% p.a. $0 p.a. annual fee for the first year ($80 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months, earn up to 0.5 points for every dollar spent, plus enjoy a waived annual fee for the first year.
0.5 Up to 44 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
Take off sooner with up to 2 Velocity Points per $1 spent and pay $0 annual fee.
1 Up to 55 days on purchases 20.74% p.a. $0 p.a. Go to site More info
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months plus enjoy a $0 annual fee for the first year.
1.5 Up to 55 days on purchases 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first three months and enjoy a waived annual fee for the first year. Also earn additional Qantas Points per $1 spent on purchases.
0.75 Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 Up to 55 days on purchases 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
0 0 Up to 55 days on purchases 12.49% p.a. $58 p.a. Go to site More info
HSBC Low Rate Credit Card
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
0 0 Up to 55 days on purchases 13.25% p.a. $55 p.a. Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
0 1 Up to 55 days on purchases 19.99% p.a. $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
0 1 Up to 55 days on purchases 19.99% p.a. $199 p.a. Go to site More info
Qantas American Express Premium Card
Fly faster with up to 2.25 Qantas Points per $1 spent and receive complimentary domestic and international travel insurance.
1.25 Up to 44 days on purchases 20.74% p.a. $249 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
1.5 0 Up to 55 days on purchases 20.74% p.a. $375 p.a. Go to site More info
American Express Gold Business Card
Earn up to 1 Membership Rewards point per $1 spent and extend your cash flow up to 51 days.
1 0 Up to 51 days on purchases $169 p.a. Go to site More info
American Express Business Card
Earn up to 1 Membership Rewards point per $1 spent and extend your cash flow up to 51 days.
1 0 Up to 51 days on purchases $109 p.a. Go to site More info
American Express Velocity Business Card
Take off sooner with up to 2 Velocity Points per $1 spent and take up to 51 days to pay for your purchases.
1 0 Up to 51 days on purchases $249 p.a. Go to site More info

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

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How to add your card details to the Wallet app and set up Apple Pay

  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.

Picture: Denys Prykhodov/Shutterstock

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  Android Pay or Samsung Pay. Otherwise, you can also compare debit cards with contactless payment capability.

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