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

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Compare credit cards that offer Apple Pay

10 of 188 results
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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 image
ANZ Low Rate - Credit Back Offer
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
Get $400 back on your card when you spend $5,000 on eligible purchases in the first 6 months from approval.
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American Express Essential Rewards Credit Card image
American Express Essential Rewards Credit Card
Most LovedAmerican Express Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
40,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$108
Earn 40,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months. New American Express card members only. T&Cs apply.
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Qantas Money Everyday image
Qantas Money Everyday
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 3% balance transfer fee, then 21.99%
Annual fee
$99
Offers 8,000 bonus Qantas Points when you spend at least $3,000 on eligible purchases within the first 90 days, plus a 0% p.a. balance transfer offer, with 3% balance transfer fee.
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American Express Platinum Business Card image
American Express Platinum Business Card
Most LovedAmerican Express Membership Rewards
Purchase rate p.a.
0%
Bonus points
300,000
Points per $ spent
2.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$1,750
Limited-time offer: Get 300,000 Bonus Membership Rewards Points when you spend $12,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply. ABN holders w/ $75,000 revenue.
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American Express Qantas Business Rewards Card image
American Express Qantas Business Rewards Card
Finder AwardMost LovedQantas Business Rewards
Purchase rate p.a.
0%
Bonus points
130,000
Points per $ spent
1.25
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Earn 130,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 2 months. New American Express card members only. T&Cs apply. ABN holders w/ $75k revenue.
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American Express Platinum Card image
American Express Platinum Card
Most LovedAmerican Express Membership Rewards
Purchase rate p.a.
0%
Bonus points
150,000
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
Earn 150,000 Bonus Membership Rewards Points when you spend $5,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply.
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American Express Velocity Escape Plus Card image
American Express Velocity Escape Plus Card
Most LovedVelocity 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
Get 30,000 bonus Velocity Points when you spend $3,000 on eligible purchases in the first 3 months, plus a $50 Virgin Australia Statement Credit. New American Express card members only. T&Cs apply.
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Qantas American Express Ultimate Card image
Qantas American Express Ultimate Card
Finder AwardMost LovedQantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
90,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Limited time offer: Get up to 90,000 bonus Qantas Points. Plus, a yearly $450 Travel Credit. New American Express card members only. T&Cs apply.
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ANZ Rewards Platinum image
ANZ Rewards Platinum
ANZ Rewards Program
Purchase rate p.a.
20.99%
Bonus points
125,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$149
Earn up to 125,000 bonus ANZ Reward Points: 85,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 40,000 points when you keep your card open for 15 months from activation.
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ANZ Rewards Platinum - Velocity Points image
ANZ Rewards Platinum - Velocity Points
ANZ Rewards Program
Purchase rate p.a.
20.99%
Bonus points
80,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$149
Earn up to 80,000 bonus Velocity Points: 60,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 20,000 points when you keep your card open for 15 months from activation.
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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.

Sources

Rebecca Pike's headshot
Written by

Editor, Money

Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. 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 267 Finder guides across topics including:
  • Home loans
  • Personal Loans
  • Car Loans
  • Cost of living
  • Budgeting
Richard Whitten's headshot
Co-written by

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards 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 started his career in education and textbook publishing in South Korea. He 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 Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 688 Finder guides across topics including:
  • Home loans
  • Credit cards
  • 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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