Credit cards with Apple Pay

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

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Forget pulling your wallet out, Aussie card holders can cut time at the check out with Apple Pay. The integrated functionality 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.

Use this 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.

How does Apple Pay work?

apple pay logo Apple Pay works with any iOS device that offers Apple Pay compatibility. You can link up to 12 cards to iPhone 8 and iPhone 8 Plus and later. If you have an earlier model, you can link up to 8 accounts to Apple Pay. You can also use the digital wallet with Apple Watch and some iPads.

Which banks and issuers are partnered with Apple Pay?

Compatible with Apple Pay Not compatible with Apple Pay
  • American Express
  • Heritage Bank
  • ANZ
  • Jetstar
  • Bank of Melbourne
  • ME Bank
  • BankSA
  • Qantas Money
  • Bankwest
  • Virgin Money
  • Bendigo Bank
  • Westpac
  • Citi Australia
  • Coles
  • CommBank
  • HSBC
  • NAB
  • St.George
  • Suncorp
List is current as of 18 June 2019.

Compare credit cards with Apple Pay

More than 50 banks, credit unions and card issuers are partnered with Apple Pay in Australia. You can compare some of the credit cards that can be used with Apple Pay below.

Updated January 18th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
NAB Low Rate Platinum Card
0% for 15 months, reverts to 13.99% p.a.
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$45 p.a.
A no-frills credit card with a competitive annual fee and 0% p.a. interest rate on balance transfers for the first 18 months.
American Express Velocity Platinum Card
100,000 bonus points
Velocity Frequent Flyer
20.74% p.a.
$375 p.a.
Get 100,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
American Express Gold Business Card
Membership Rewards Ascent
$169 p.a.
ABN holders w/ $75,000 revenue. A business card with no pre-set spending limit, data feeds to MYOB and up to 51 days to pay for purchases.
American Express Velocity Business Card
Velocity Frequent Flyer
$249 p.a.
ABN holders w/ $75,000 revenue. A business charge card offering Velocity Points per $1 spent and up to 51 days interest-free on purchases.
American Express Qantas Business Rewards Card
150,000 bonus points
Qantas Business Rewards
$450 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 3x points on eligible Qantas flights and 2 lounge passes each year.
American Express Velocity Escape Card
Velocity Frequent Flyer
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases and save with a $0 annual fee for life and a 0% p.a. for 12 months balance transfer offer.

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 number of measures 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 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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Pictures: Shutterstock, Hadrian

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4 Responses

  1. Default Gravatar
    StephenDecember 3, 2018

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

    • Avatarfinder Customer Care
      JhezDecember 8, 2018Staff

      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.


  2. Default Gravatar
    StephenNovember 29, 2018

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

    • Avatarfinder Customer Care
      ValDecember 5, 2018Staff

      Hi Stephen,

      Thank you for visiting

      For ANZ Rewards Black and ANZ Frequent Flyer Black or Platinum they both have Apple Pay as a mobile payment technology.

      You might also want to check out the pages below for each card
      ANZ Frequent Flyer Black Credit Card
      ANZ Rewards Black


Credit Cards Comparison

Updated January 18th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0 p.a.
Offers 0% p.a. on purchases and balance transfers for the first 12 months and an ongoing $0 annual fee. Plus, earn flybuys for your eligible spend.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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