Google Pay: Credit cards supported in Australia

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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	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 site More info Compare	Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
Westpac Altitude Velocity Platinum Velocity Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 75,000	Points per $ spent 0.5	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $250	Go to site More info Compare	Get 75,000 bonus Velocity Points when you spend $4,000 on eligible purchases in the first 90 days.
American Express Essential Rewards Credit Card 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 site More info Compare	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 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 site More info Compare	Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
Bankwest Breeze Platinum Mastercard Finder Award	Purchase rate p.a. 12.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 3% balance transfer fee, then 12.99%	Annual fee $59	Go to site More info Compare	Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.
David Jones Premiere Credit Card David Jones Rewards	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($99 after)	Go to site More info Compare	Get a $0 first-year annual fee plus complimentary express delivery and gift wrapping at David Jones.
American Express Platinum Business Card 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 site More info Compare	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 Finder Award Qantas Business Rewards	Purchase rate p.a. 0%	Bonus points 150,000	Points per $ spent 1.25	Interest-free period Up to 51 days on purchases	Balance transfer rate p.a. N/A	Annual fee $225 first year ($450 after)	Go to site More info Compare	Limited time offer: Earn 150,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a half off annual fee in the first year. ABN holders w/ $75k revenue.
American Express Platinum Card 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	Go to site More info Compare	Earn 150,000 Membership Rewards Bonus Points when you apply through the link and spend $5,000 on eligible purchases in the first 3 months.
American Express Velocity Escape Plus Card 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 site More info Compare	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. Ends 30 April 2025.
Westpac Altitude Platinum Card 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 site More info Compare	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 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 site More info Compare	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.
St.George Amplify Signature Amplify Rewards	Purchase rate p.a. 20.99%	Bonus points 180,000	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $199 first year ($295 after)	Go to site More info Compare	Up to 180,000 bonus Amplify Points (130,000 points when you spend $12,000 in the first year of card approval & an extra 50,000 points after the first eligible spend the following year). Plus, a $199 first-year annual fee.
Qantas American Express Ultimate Card Finder Award Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 50,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $450	Go to site More info Compare	Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months.
Westpac Lite Card	Purchase rate p.a. 9.9%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $108	Go to site More info Compare	Save with 0% foreign transaction fees, a low interest rate on purchases and cashback offers through Westpac Extras.

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What is Google Pay?

Google Pay is a payment service from Google that lets you make purchases straight from your phone (or another compatible device) without having to pull out your actual wallet or a card.

If you already use a credit card and want to add it to Google Pay, you can check if your provider is supported using the table below.

Which credit cards support Google Pay?

The table and list below outlines the major participating banks and financial institutions.

Banks	Supported Cards	Unsupported Cards
ubank	ubank Visa Debit Card	None
AMEX	Consumer, small business and corporate Cards issued by American Express	Prepaid cards
ANZ	Check the list of supported cards, ANZ Plus Visa Debit card, Visa Credit card, ANZ Signature Cards	ANZ Prepaid cards
Australian Military Bank Ltd	Visa Cards	None
Australian Mutual Bank Ltd	Visa Cards	None
Australian Unity Bank Limited	Visa Cards	None
Bank of Melbourne	All personal credit cards	Corporate & Purchasing cards, Travel money cards, Personal Visa debit cards, All other Business cards
Bank of Queensland Limited	Visa Debit and Credit	None
BankSA	All personal credit cards	Corporate & Purchasing cards, Travel money cards, Personal Visa debit cards, All other Business cards
Bankwest	Mastercard credit and debit cards	Visa cards and eftpos debit cards
Bendigo Bank	Most personal credit cards	Rural Bank Visa Debit Card, Adelaide Bank Visa Credit Card, Single-branded eftpos cards (i.e. not Visa co-branded)
Central Murray Bank	Visa cards	None
Coastline Credit Union Limited	Visa cards	None
Commonwealth Bank of Australia	All cards	None
Dnister Ukranian Credit Co-Operative Limited	Visa Debit	None
Ebonex Australia Pty Ltd	Mastercard Prepaid	None
Fly Wallet Pty Ltd	Mastercard Prepaid	None
Foris GFS Australia Pty Ltd	Visa Prepaid	None
Gateway Bank Ltd	Visa Debit Cards	None
G&C Mutual Bank	Visa Debit Card and Visa Credit Card	None
Greater Bank Limited	Visa Debit and Credit Cards	None
Hay Limited	Visa Prepaid and Debit	None
Heritage and People's Choice Limited	Heritage Bank Visa Debit Cards, Heritage Bank Visa Credit Cards, Heritage Bank Mastercard Prepaid Cards	None
HSBC	HSBC Classic Credit Card (Visa), HSBC Platinum Credit Card (Visa), HSBC Platinum Qantas Card (Visa), HSBC Premier (Mastercard), HSBC Premier Qantas (Mastercard), Visa debit card, Premier Visa debit card, MasterCard Credit card, HSBC Corporate Cards	None
iGoDirect Group Pty Ltd	Visa Prepaid	None
ING Direct	Orange Everyday, Visa Credit and Debit	None
Klarna	In-store Digital Card	None
Macquarie Bank	Macquarie Debit MasterCards, Macquarie Visa Credit Cards	None
Mesh AU Pty Limited	Visa Debit	None
NAB	All NAB credit cards except for commercial purchasing, prepaid and travel cards	NAB Commercial Purchasing cards, NAB Prepaid and Travel cards
Newcastle Greater Mutual Group	Visa cards	None
Nium Pty Limited	Visa cards	None
Novatti	Visa Pre-Paid Card	None
Qantas Pay	Mastercard Prepaid	None
Railways Credit Union Limited	Visa cards	None
Regional Australia Bank Ltd	Visa cards	None
St. George	All personal credit cards	Corporate & Purchasing cards, Travel money cards, Personal Visa debit cards, All other Business cards
Up Money	Up Debit Mastercard	None
Westpac	All personal credit cards except the No Annual Fee Mastercard	No Annual Fee Mastercard, GM Holden Mastercard, AMEX, Corporate & Purchasing Cards, Global Currency Card, Gift Cards, Handycards and all other Business cards
Warwick Credit Union Ltd	Visa Cards	None
Wise	All Cards	None
Suncorp Bank	Personal Visa Debit Card, Business Visa Debit Card	Clear Options Credit Cards, EFTPOS only cards
Broken Hill Bank	Visa Cards	None
Zip.co	Zip Card, Visa Credit card	Zip single-use card

This list is up-to-date as of April 2025

1derful Pty Ltd
Airwallex Pty Ltd
AMP Bank
Archa Limited
Australian Unity
Auswide Bank Ltd
AWA Alliance Bank
Bank Australia
Bank First
Bank of Heritage Isle
Bank of Sydney
Bank of us
Bank of Western Australia
Bank Orange
BankVic
BankWAW
BDCU Alliance Bank
Beyond Bank Australia
BNK Bank
BOQSpecialist
Border Bank
CC Financial Trade Products
Central Murray Bank
Central West Credit Union Limited
Certegy Ezi-Pay PTY LTD
Challenger Bank Limited
Cherrypay
Circle Alliance Bank
CoinJar Pty Ltd
Community First Bank
Credit Corp Financial Services Pty Limited
Credit Union SA Ltd
Cuscal Limited
Defence Bank Limited
Delphi Bank
Doordash Technologies Australia Pty Ltd
Dynamoney
EML Payment Solutions Ltd
Endeavour Mutual Bank
Family First Credit Union Limited
Firefighters Mutual Bank
First Mac
First Option Bank Ltd
Flexewallet Pty Ltd
Geelong Bank
Goulburn Murray Credit Union Co-Op Limited
Great Southern Bank
Health Professionals Bank
HealthNow
Holiday Coast Credit Union Ltd
Horizon Credit Union Ltd
Hume
Humm pro Pty Ltd
Illawarra Credit Union
IMB Bank
Immersve Pty Limited (AU)
Indue Ltd
Intech Credit Union Limited
Karta
Laybuy
Laboratories Credit Union Limited
Latitude Financial Services
Maitland Mutual Limited
Maritime, Mining & Power Credit Union Ltd
Maxxia Pty Ltd
MicroGifts
Myer Credit Card
MyLife MyFinance
Mystate Bank Limited
Myy App
The Rock
Nexus Mutual
Nine25
Northern Beaches Credit Union
Northern Inland Credit Union Limited
Nova Alliance Bank
On The Monee
Payc
Paywise
People's Choice Credit Union Ltd
P & N Bank
Police Bank Limited
Police Credit Union
QBank
QUDOS
Queensland Country Bank
RACQ
Railspay Pty Ltd
Reliance Bank
Revolut Payments Australia Pty Ltd
Revolut Payments New Zealand Pty Ltd
Rush (SendGold)
Service One Alliance Bank
Shouta
Southern Cross Credit Union
Spriggy
Stables
Summerland
SWS Bank
Sydney Credit Union Ltd
Teachers Mutual Bank Limited
The Mac
The Mutual Bank
Travelex Limited
Travel Money OZ
UniBank
Unity Bank
Universal Gift Card
Virgin Money Australia
Volt bank limited
Vault
Why Leave Town
Westfield
Woolworths Team Bank
Zeller Australia Pty

How does Google Pay work?

Google Pay uses the NFC (Near Field Communication) chips found in many Android smartphones to allow cardholders to make payments directly from their phone. Instead of getting out your wallet and credit card, you simply unlock your phone and tap it on contactless terminals.

If your card is connected to a loyalty program, any eligible purchases you make with Google Pay will automatically earn points for your rewards account.

Using Google Pay is essentially the same as using your physical bank card: anywhere you can tap and pay on a retailer's terminal, you can use your phone to make the purchase.

Google Pay for online shopping

You can also use Google Pay to make payments online. When you go through checkout, you will see Google Pay as an option if it is available. You can use your fingerprint or passcode to approve the transaction.

Our expert says

"Once I started using Google Pay I left my wallet at home and never took it out again. The convenience of using your phone to pay for everything is amazing and I wouldn't even consider a credit card nowadays if it didn't work with Google Pay."

Graham Cooke

Head of Consumer Research

Is Google Pay safe to use?

Google Pay uses the same technology as contactless credit cards and is just as secure at the checkout.

In fact, Google Pay could be considered more secure as it doesn’t send your credit or debit card number with your payment. Instead, it uses an encrypted virtual account number to represent your account details.

This means that your card details aren’t stored on your phone or on the Google Pay app. If you do suspect any suspicious activity on your account, you can also use the Google Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity.

If your card is lost or stolen, you can also use Android Device Manager to instantly lock your phone from anywhere, secure it with a new password or wipe it clean of your personal information.

Our expert says: Why I always have a physical card on hand

"99% of the time Google Pay works just fine. But in November 2023 there was a nationwide Optus network outage. I was with Optus at the time but I always carry my actual credit card on me so I was fine. Friends who went 100% digital with their card were caught cashless! It's a rare scenario but it can happen."

Richard Whitten

Money Editor

How much does it cost to use Google Pay?

The good news is that there is no cost to using Google Pay! The app is free to download and you can add multiple debit or credit cards at no cost.

It's the same as a regular transaction with a physical card, where the cost is covered by the retailer, brand, business or trader that you're purchasing from.

How to add a credit or debit card to Google Pay

Open the Google Pay app
At the bottom right, tap Add and then Payment method
Use the camera to upload your card details or type them in manually
If you're asked to verify your payment method, choose an option from the list and then enter the verification code
Next to your new card, you may also need to select Enable contactless

How to remove a credit or debit card from Google Pay

Open the Google Pay app
At the top left, click Menu and then choose Payment methods
Select the card(s) you want to remove
At the top right, tap More and then Remove payment method

What if my credit card is not supported by Google Pay?

If you have a credit card that's not currently compatible with Google Pay, you won't be able to add it as a payment method in the app. But depending on your card and phone, you may be able to make mobile payments through another app.

Does Coles accept Google Pay?

Yes, Coles accepts Google Pay with a Coles credit card. You can also use Google Pay when shopping at Coles.

Thank you for your feedback!

Written by

Richard Whitten

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 608 Finder guides across topics including:

Home loans
Property
Personal finance
Money-saving tips

Co-written by

Rebecca Pike

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 225 Finder guides across topics including:

Home loans
Cost of living
Budgeting

More resources on Finder

How to pay less interest with an offset mortgage account and credit card What happens if you don’t pay your credit card bill?

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Credit cards with Google Pay