Credit cards with Apple Pay

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

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Rebecca Pike

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Richard Whitten

Updated

Fact checked

Compare credit cards that offer Apple Pay

1 - 10 of 204
Updated regularly
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
ANZ Low Rate - Credit Back Offer
ANZ Low Rate - Credit Back Offer image
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.
American Express Essential Rewards Credit Card
American Express Essential Rewards Credit Card image
Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
60,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$108
Go to siteMore info
Limited time offer: Offers 60,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months.
Qantas Premier Everyday
Qantas Premier Everyday image
Qantas Frequent Flyer
Purchase rate p.a.
20.99%
Bonus points
8,000
Points per $ spent
0.75
Interest-free period
Up to 44 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.
David Jones Premiere Credit Card
David Jones Premiere Credit Card image
David Jones Rewards
Purchase rate p.a.
23.99%
Bonus points
30,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$99
Go to siteMore info
 Receive 30,000 David Jones Points (worth $150 of gift cards) when you spend $1,500 on eligible purchases within the first 90 days. Plus, enjoy complimentary express delivery and gift wrapping at David Jones. Ends 12 April 2025.
American Express Platinum Business Card
American Express Platinum Business Card image
Membership Rewards Ascent Premium
Purchase rate p.a.
0%
Bonus points
250,000
Points per $ spent
2.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$875 first year ($1,750 after)
Go to siteMore info
Limited time offer: Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a half off annual fee in the first year. ABN holders w/ $75,000 revenue..
American Express Qantas Business Rewards Card
American Express Qantas Business Rewards Card image
Finder Award
Qantas Business Rewards
Purchase rate p.a.
0%
Bonus points
170,000
Points per $ spent
1.25
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Go to siteMore info
Limited time offer: Earn 170,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. ABN holders w/ $75k revenue. Ends 08 April 2025.
American Express Platinum Card
American Express Platinum Card image
Membership Rewards
Purchase rate p.a.
0%
Bonus points
225,000
Points per $ spent
2.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$1,450
Go to siteMore info
Limited time offer. Earn 225,000 Membership Rewards Bonus Points when you apply through the link and spend $5,000 on eligible purchases in the first 3 months. Ends 08 April 2025.
American Express Velocity Escape Plus Card
American Express Velocity Escape Plus Card image
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
30,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$95
Go to siteMore info
 Get 30,000 bonus Velocity Points when you meet the spend requirement, receive $50 statement credit and earn up to 1.75 Velocity Points per $1 spent.
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card image
Westpac Altitude Rewards
Purchase rate p.a.
20.99%
Bonus points
120,000
Points per $ spent
1
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$99 first year ($175 after)
Go to siteMore info
 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).
Virgin Money Anytime Rewards Credit Card
Virgin Money Anytime Rewards Credit Card image
Virgin Money Rewards
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 with 0% balance transfer fee, then 20.99%
Annual fee
$149
Go to siteMore info
 Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months.
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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).

Which big banks and issuers are partnered with Apple Pay?

  • AccessPay Mastercard
  • Acquire One
  • Airwallex
  • American Express
  • AMP Bank
  • ANZ
  • Arab Bank Australia Limited
  • Australian Military Bank
  • Australian Unity
  • Auswide Bank
  • AWA Alliance Bank
  • Bank Australia
  • Bank First
  • Bank Orange
  • Bank of Heritage Isle
  • Bank of Melbourne
  • Bank of Queensland Specialist
  • Bank of Sydney
  • Bank of us
  • BankSA
  • BankVic
  • BankWAW
  • Bankwest
  • Bano
  • bcu
  • BDCU Alliance Bank
  • Bendigo Bank
  • Beyond Bank Australia
  • BNK Bank
  • BOQ Specialist
  • Broken Hill Bank
  • Border Bank
  • Central Murray Credit Union Ltd.
  • Central West Credit Union Ltd.
  • Change Financial
  • CIRCLE Alliance Bank
  • Citi Australia
  • Coastline Credit Union
  • Coles Financial Services
  • Commonwealth Bank of Australia
  • Community First Bank
  • Credit Corp Financial Services Pty Limited
  • Credit Union SA Ltd.
  • Defence Bank
  • DiviPay
  • Dynamoney Limited
  • Edge
  • EML Payment Solution Ltd
  • Endeavour Mutual Bank
  • Finstro
  • Fire Service Credit Union
  • Firefighters Mutual Bank
  • First Option Bank
  • Gateway Bank
  • Geelong Bank
  • Goulburn Murray Credit Union
  • Great Southern Bank
  • Greater Bank Limited
  • Hay
  • Health Professionals Bank
  • Heritage Bank
  • Holiday Coast Credit Union Ltd.
  • Horizon Bank
  • HSBC
  • Hume Bank
  • iGoDirect Group Pty Ltd
  • Illawarra Credit Union Limited
  • IMB Bank
  • Immersve Pty Ltd
  • INC.C Payments
  • ING
  • Intech Credit Union Ltd.
  • Karta
  • Klarna Australia Pty Ltd
  • Laboratories Credit Union Ltd.
  • Latitude Financial Services
  • Lombard Finance
  • Macquarie
  • Maitland Mutual
  • ME Bank
  • MoneyMe
  • Move Bank
  • MyLife MyFinance
  • MyState Bank Ltd.
  • National Australia Bank
  • Nexus Mutual
  • Nimble
  • Nium
  • Northern Beaches Credit Union
  • Northern Inland Credit Union
  • Nova Alliance Bank
  • Novatti Pty Ltd
  • Once Credit
  • P&N Bank
  • Paytron Technologies Pty Ltd
  • PayWith
  • People's Choice Credit Union
  • Police Bank
  • Police Credit Union Ltd.
  • Qbank
  • QCCU
  • Qpay
  • Qudos Bank
  • RACQ
  • Revolut
  • RSL Money
  • SERVICE ONE Alliance Bank
  • Skye provided by FlexiCards Australia Pty Ltd
  • Southern Cross Credit Union
  • Spriggy
  • St.George Bank
  • Summerland Financial Services Limited
  • Suncorp Bank
  • SWSBank
  • Sydney Mutual Bank
  • Teachers Mutual Bank
  • The Capricornian
  • The Mac
  • The Mutual Bank
  • ubank
  • UniBank
  • Unity Bank Ltd.
  • Up Money
  • Vault Payment Solutions
  • Warwick Credit Union Ltd.
  • Westpac Banking Corporation
  • WEX Finance
  • Wildcard Money Pty Ltd
  • Wise
  • Woolworths Group Limited
  • Woolworths Team Bank

List is current as of April 2025.

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. 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.

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 users 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.

Rebecca Pike's headshot
Written by

Senior Money Writer

Rebecca Pike is Finder’s senior money writer, with over 10 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise, A Current Affair, 9News, and Sky News, and contributes expert analysis to publications like Yahoo Finance and The Latch. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio

Rebecca's expertise
Rebecca has written 219 Finder guides across topics including:
  • Home loans
  • Cost of living
  • Budgeting
Richard Whitten's headshot
Co-written by

Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 601 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
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4 Responses

    Default Gravatar
    StephenDecember 3, 2018

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

      Default GravatarFinder
      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

    Default Gravatar
    StephenNovember 29, 2018

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

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