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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 June 27th, 2017
Name Product Product Description Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee
American Express Essential®  Credit Card
Receive a $50 credit when you apply online, are approved and spend $750 within the first 3 months of card membership.
1
14.99% p.a.
$0 p.a.
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.
0
0
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)
American Express Platinum Edge Credit Card
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
1
20.74% p.a.
$0 p.a. annual fee for the first year ($195 p.a. thereafter)
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months.
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Qantas American Express Discovery Card
Enjoy 0% p.a. on balance transfers for 12 months and an uncapped points earning rate.
1
20.74% p.a.
$0 p.a.
ANZ Rewards Credit Card
Receive 25,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months from approval.
25,000 bonus points
1
18.79% p.a.
$0 p.a. annual fee for the first year ($80 p.a. thereafter)
ANZ Frequent Flyer
Get 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
25,000 bonus points
0.5
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
American Express Velocity Escape Card
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
1
20.74% p.a.
$0 p.a.
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
50,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
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.
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
ANZ Rewards Black Credit Card
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within first 3 months and complimentary travel insurance.
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
ANZ Low Rate
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
0
0
12.49% p.a.
$58 p.a.
HSBC Low Rate Credit Card
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
0
0
13.25% p.a.
$55 p.a.
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
1
0
19.99% p.a.
$99 p.a.
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Qantas American Express Premium Card - Exclusive Offer
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
50,000 bonus points
1.25
20.74% p.a.
$249 p.a.
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
100,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
American Express Gold Business Card
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
10,000 bonus points
0
1
$169 p.a.
American Express Business Card
Consolidate your business expenses and extend your cashflow with up to 51 interest-free days on purchases.
0
1
$109 p.a.
American Express Velocity Business Card
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
0
1
$249 p.a.

Compare up to 4 providers

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

woman_holding_a_pink_iPhone_Shutterstock

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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