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Credit cards with Samsung Pay

Pay using your credit card on your Samsung smartphone, and save time at the register (plus leave your wallet at home).

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Name Product Balance transfer rate p.a. Purchase rate p.a. Bonus points Annual fee Amount Saved
ANZ Low Rate - Credit Back Offer
21.99%
Purchase rate p.a.
13.74%
N/A
Annual fee
$58
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
Qantas American Express Premium Card
Purchase rate p.a.
23.99%
20,000
Annual fee
$249
Get 20,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.
Qantas American Express Ultimate Card
Purchase rate p.a.
23.99%
60,000
Annual fee
$450
Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit. Ends 28 May 2024.
Westpac Low Rate Card - Cashback Offer
Purchase rate p.a.
13.74%
N/A
Annual fee
$59
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
ANZ Platinum Credit Card
21.99%
Purchase rate p.a.
20.99%
N/A
Annual fee
$0 first year ($87 after)
Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
Westpac Low Rate Card
0% for 28 months with 2% balance transfer fee, then 21.49%
Purchase rate p.a.
13.74%
N/A
Annual fee
$59
$1,768.59 over 28 months
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
American Express Platinum Edge Credit Card
Purchase rate p.a.
23.99%
N/A
Annual fee
$0 first year ($195 after)
Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year.
American Express Velocity Platinum Card
Purchase rate p.a.
23.99%
60,000
Annual fee
$375
Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
American Express Explorer Credit Card
Purchase rate p.a.
23.99%
50,000
Annual fee
$395
Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
American Express Gold Business Card
Purchase rate p.a.
0%
75,000
Annual fee
$169
ABN holders w/ $75,000 revenue. Get 75,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months. Plus, earn 1.5 points per $1 on eligible spending with Membership Rewards.
American Express Qantas Business Rewards Card
Purchase rate p.a.
0%
170,000
Annual fee
$450
(ABN holders w/ $75k revenue). Earn 170,000 bonus Qantas Points when you spend $6,000 in the first 3 months.
American Express Velocity Business Card
Purchase rate p.a.
0%
100,000
Annual fee
$249
ABN holders w/ $75,000 revenue. Get 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.
American Express Velocity Escape Card
Purchase rate p.a.
23.99%
N/A
Annual fee
$0
Save with a $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
ANZ Rewards Black Credit Card
21.99%
Purchase rate p.a.
20.99%
180,000
Annual fee
$375
Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
American Express Platinum Card
Purchase rate p.a.
0%
150,000
Annual fee
$1,450
Earn 150,000 bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit each year.
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Samsung Pay is an app that allows you to make tap-and-go payments from your Samsung phone or compatible device. It is supported by many Australian banks and credit card providers – including American Express, ANZ, Citi, CommBank, NAB and Westpac.

Use this guide to learn more about Samsung Pay, including how it works and current credit cards that are compatible with this mobile payment option.

samsung pay logo

How does Samsung Pay work?

First, we'll get the technical points out of the way. Samsung Pay uses NFC (Near Field Communication) and MST (Magnetic Secure Transaction) technology, which is embedded in Samsung devices. The bottom line: this tech allows you to make payments at the checkout.

Here's how it works: instead of tapping your credit card against the payment machine, you just swipe up on your smartphone screen, authenticate the transaction using your fingerprint, and tap your phone against the contactless terminal.

The phone must be within 3cm of the terminal to complete the payment. If your purchase is over $100, you can still use Samsung Pay, but you'll be required to type in your credit card's 4-digit PIN.

Which devices are compatible with Samsung Pay?

The app is available from the Samsung Galaxy S6 onwards, which all have the integrated NFC chip and a magnetic coil built into them. This includes the Galaxy S6, S6 Edge+, Note 5, Galaxy S7 and Galaxy S7 Edge.

How to install Samsung Pay

  1. On the Home screen, select Apps.
  2. Touch Samsung Pay.
  3. Select INSTALL to download the file.
  4. If there are updates to the built-in application, touch INSTALL.
  5. Touch OPEN to start using Samsung Pay.

How to add your card details to your Samsung Pay app

When you open the Samsung Pay app, you'll be asked to register your cards. You can register your card by scanning your physical card with Samsung Pay or manually inputting the card information. Then, depending on your bank's policies, Samsung Pay will prompt you to verify your identity through a text message or phone call. It can take up to 10 minutes for the registration to complete, but usually it takes just a minute or 2.

You can register up to 10 payment cards under 1 Samsung Pay account. Note that your bank may have separate terms and conditions regarding how many cards you can register with Samsung Pay, so make sure to confirm this directly if you want to register multiple cards.

Full list of Australian banks that support Samsung Pay

Is Samsung Pay safe to use?

Samsung Pay was designed to be just as safe, if not safer, than regular contactless card payments. Samsung Pay uses Tokenisation, a Secure Environment and Samsung KNOX to keep your payment information safe. What does this mean?

  • Tokenisation. None of your personal bank information is stored on your Samsung device or the Samsung service. Instead, Samsung Pay uses Tokenisation to replace your sensitive payment information (such as the card number, expiration date, security code etc) with a device-specific token which acts as a stand-in value.
  • Secure Environment. A Secure Environment, sometimes referred to as a Trusted Execution Environment, refers to the physically segregated chip in the card that only allows access to highly sensitive operations such as fingerprint and payment information. Normal applications can't access the information in a Secure Environment.
  • Samsung KNOX. Samsung KNOX runs scans to determine whether or not your device is secure. Samsung KNOX can permanently disable Samsung Pay on a threatened device to protect your payment information.

In addition to these features, you can use Samsung's "Find My Mobile" service to remotely lock or wipe your device if it is lost or stolen. This ensures that no one else can use your Samsung phone for contactless payments. Please note that this means that you'll have to register your cards again if you get a new phone, as no data will be stored in the application.

If you're not with one of the banks listed but you're looking forward to using Samsung's contactless payment technology, keep checking this guide for the latest information on which banks join the Samsung Pay ranks. If you don't use a Samsung device, you can use our Google Pay and Apple Pay guides to compare your options.

Pictures: Shutterstock

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2 Responses

    Default Gravatar
    ZJuly 11, 2016

    Hi I’m rental arrears elec in foxtel in phone bills overdue from now ex-husband on Centrelink need loan

      AvatarFinder
      MayJuly 15, 2016Finder

      Hi Z Mary,

      Thanks for your inquiry.

      If you want to find a lender that might consider you for a loan, you may like to check Centrelink loans page. It contains a guide on how a borrower who receives Centrelink payment can access a loan.

      I hope this is helpful.

      Cheers,
      May

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