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 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 in 2015 followed by ANZ with its Visa, Mastercard and American Express products. Since then, more than 50 other Australian banks and card issuers have partnered with Apple Pay.

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.

Picture: Hadrian/Shutterstock

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.

Compare credit cards with Apple Pay

More than 50 banks, credit unions and card issuers are partnered with Apple Pay in Australia. This includes organisations including American Express, ANZ, Citi, ING, HSBC and Commonwealth Bank (available from January 2019). You can compare some of the credit cards that can be used with Apple Pay below.

Rates last updated February 19th, 2019
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.
0% p.a. for 22 months on balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
Citi Rewards Platinum Credit Card - Exclusive Offer
Citi Rewards Program
1
0% p.a. for 13 months (reverts to 20.99% p.a.)
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Citi Clear Platinum Credit Card
12.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Citi Simplicity Card
19.99% p.a.
$0 p.a.
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
1
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Qantas American Express Discovery Card
Qantas Frequent Flyer
0.75
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.
American Express Explorer Credit Card
50,000 bonus points
Membership Rewards Gateway
2
20.74% p.a.
$395 p.a.
Get 50,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the Amex Lounge.
ANZ Rewards Black Credit Card
120,000 bonus points
ANZ Rewards Program
2
18.79% p.a.
$375 p.a.
Receive 120,000 bonus Reward Points and $100 back onto your card when you spend $7,500 within the first 3 months, plus, lounge passes.
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 spend $1,500 within the first 3 months from approval.
ANZ Rewards Platinum
75,000 bonus points
ANZ Rewards Program
1.5
18.79% p.a.
$95 p.a.
Receive 75,000 bonus Reward Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 1.5 points per $1 spent.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$89 p.a.
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, up to 55 days interest-free on purchases.
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
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
1.25
20.74% p.a.
$375 p.a.
Receive 50,000 bonus Velocity Points and enjoy complimentary lounge passes, a domestic return flight and insurance covers.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$45 p.a.
A no-frills card with a competitive annual fee, a low variable purchase interest rate of 11.99% p.a. and up to 55 interest-free days on purchases.
American Express Gold Business Card
Membership Rewards Ascent
1
N/A
$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
N/A
$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
1.25
20.74% p.a.
$450 p.a.
Receive 55,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Platinum Credit Card - Exclusive Bonus Points Offer
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)
Enjoy 100,000 bonus Citi reward Points when you spend $3,000 within the first 90 days. Plus, save with a $49 first year annual fee.
More info
Citi Rewards Platinum Credit Card - Balance Transfer Offer
Citi Rewards Program
1
20.99% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus $0 annual fee for the first year.
American Express Velocity Escape Card
Velocity Frequent Flyer
0.75
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.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
$29 p.a.
Exclusively for customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
Citi Rewards Platinum Credit Card - Online Offer
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 24 month balance transfer offer, plus complimentary international travel insurance.
Bendigo Bank Qantas Platinum Mastercard
Qantas Frequent Flyer
0.6
19.99% p.a.
$149 p.a.
Earn Qantas Points on eligible spend, plus enjoy 180 days of comprehensive travel insurance and extended warranty on purchases.
American Express Platinum Card
80,000 bonus points
Membership Rewards Ascent Premium
1
N/A
$1,450 p.a.
Annual $450 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,200 VIP lounges worldwide.
American Express Qantas Business Rewards Card
100,000 bonus points
Qantas Business Rewards
1.25
N/A
$450 p.a.
Earn 100,000 bonus Qantas Points, 2 Qantas Points per $1 spent on eligible purchases plus 2 domestic Qantas Club lounge passes.
Citi Signature Credit Card
300,000 bonus points
Citi Rewards Program
1
20.99% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 15,000 monthly bonus reward Points for 20 months (300,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $195 first year annual fee.
Citi Signature Qantas Credit Card
50,000 bonus points
Qantas Frequent Flyer
0.5
20.99% p.a.
$248 p.a. annual fee for the first year ($444 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 and pay half the annual fee for the first year.
Citi Prestige Card
400,000 bonus points
Citi Rewards Program
3
20.99% p.a.
$700 p.a.
Earn 20,000 monthly bonus points for 20 months (400,000 total). Plus, unlimited airport lounge access and free hotel stays.
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)
Earn Points per $1 spent and up to $50 cashback when you meet the spend criteria. Plus, a 15 month balance transfer offer.
Bendigo Bank Platinum Rewards Mastercard
Bendigo Rewards
1.5
19.99% p.a.
$89 p.a.
Earn 1.5 Bendigo Rewards points per $1 spent. Receive complimentary insurance covers, plus, access to Mastercard Priceless Cities.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases

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 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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4 Responses

  1. Default Gravatar
    StephenDecember 3, 2018

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

    • finder Customer Care
      JhezelynDecember 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.

      Regards,
      Jhezelyn

  2. Default Gravatar
    StephenNovember 29, 2018

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

    • finder Customer Care
      ValDecember 5, 2018Staff

      Hi Stephen,

      Thank you for visiting finder.com.au

      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

      Cheers!
      Val

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