Credit cards with Samsung Pay

samsung-payLeave your wallet at home and save time at the register by paying with a Samsung smartphone. Find out more and compare Samsung Pay credit cards here.

Samsung Pay is an app that allows you to make tap-and-go payments from your Samsung phone or compatible device, instead of using your credit card. It is currently available for American Express, Citi and Westpac customers, with plans for more partnerships with other Australian banks in the near future. 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.

Citi Qantas Signature Credit Card

Citi Credit Card Offer

Make contactless payments whenever you shop and receive 50,000 bonus points when you meet the minimum spend requirement.

  • $199 p.a. annual fee for the first year ($395 p.a. thereafter) annual fee
  • 20.99% p.a. on purchases
  • 0% p.a. for 6 months on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $75,000 p.a.

Comparison of Credit Cards with Samsung Pay

Rates last updated May 30th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Citi Qantas Signature Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive a complimentary Priority Pass membership.
20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Essential®  Credit Card
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Velocity Escape Card
Take off sooner with up to 2 Velocity Points per $1 spent and pay $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Qantas American Express Discovery Card
Fly faster with up to 2 Qantas Points per $1 spent and enjoy the convenience of Apply Pay, Samsung Pay or Android Pay.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Earn up to 3 Membership Rewards Points per $1 spent and receive a $200 Travel Credit every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum card benefits offering 0% p.a. introductory rate on purchases and balance transfers, combined with an annual fee waiver in the first year.
0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Citi Clear Platinum
Save with 14.99% p.a. on retail purchases. Also enjoy free wine when you dine with the Citibank Dining Program.
14.99% p.a. $99 p.a. Go to site More info
David Jones American Express
Earn up to 3 Membership Rewards Points per $1 spent and receive a range of in-store benefits at David Jones.
20.74% p.a. $99 p.a. Go to site More info
Emirates Citi World Mastercard
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in carefully curated local and global experiences.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Citi Rewards Signature Credit Card
Earn 1.5 Reward Points per $1 spent and receive a complimentary Priority Pass membership with two airport lounge visits per year.
20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Prestige Card
Earn up to 5 Reward Points per $1 spent and receive one free night at a premium hotel.
20.99% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $375 p.a. Go to site More info
Qantas American Express Premium Card
Fly faster with up to 2.25 Qantas Points per $1 spent and receive complimentary domestic and international travel insurance.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
American Express Platinum Card
Earn up to 3 Membership Rewards Points per $1 spent and receive complimentary access for you and a guest to over 1,000 VIP Lounges.
$1,200 p.a. Go to site More info
Qantas American Express Ultimate Card
Fly faster with up to 2.5 Qantas Points per $1 spent and receive a complimentary Qantas domestic return Economy flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Business Card
Earn up to 1 Membership Rewards point per $1 spent and extend your cash flow up to 51 days.
$109 p.a. Go to site More info
American Express Platinum Business Card
Earn up to 2 Membership Rewards Points per $1 spent and extend your cash flow up to 51 days.
$1,500 p.a. Go to site More info
American Express Gold Business Card
Earn up to 1 Membership Rewards point per $1 spent and extend your cash flow up to 51 days.
$169 p.a. Go to site More info
Westpac Low Rate Card
Save with 13.49% p.a. on purchases. Also enjoy a low $59 annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
Westpac Altitude Platinum Card
Earn up to 2 Altitude Points per $1 spent and receive 24/7 personal concierge services.
20.24% p.a. $150 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Take advantage of 0% p.a. for 24 months on balance transfers with a 1.5% BT fee. Plus, earn Reward Points as part of the Citi Rewards Program.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
Citi Simplicity Card
A no annual fee Platinum card with Visa Front Line Access.
19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Citi Rewards Classic Credit Card
Take advantage of 0% p.a. for 15 months on balance transfers with a 1.5% BT fee. Plus, earn Reward Points as part of the Citi Rewards Program.
20.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info

How does Samsung Pay work?

Samsung Pay uses NFC (Near Field Communication) and MST (Magnetic Secure Transaction) technology embedded in Samsung devices to allow you to make payments at the checkout. Instead of tapping your credit card against the 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 instead of using your fingerprint.

Which devices are compatible with Samsung Pay?

If you're a Citi or American Express customer, you'll need to make sure that your Samsung smartphone is compatible with Samsung Pay. At the moment, 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.

At the moment, you can register up to 10 payment cards under 1 Samsung Pay account. Please 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.

american-express-samsung-450x250

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 American Express, Citi and Westpac but are looking forward to using Samsung's contactless payment technology, keep checking finder for the latest information on which banks join the Samsung Pay ranks. If you don't use a Samsung device, you can use our Android Pay and Apple Pay guides to compare your options.

Was this content helpful to you? No  Yes

Related Posts

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

2 Responses to Credit cards with Samsung Pay

  1. Default Gravatar
    Z | July 11, 2016

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

    • Staff
      May | July 15, 2016

      Hi Z Mary,

      Thanks for your inquiry.

      You have come through to finder.com.au we are an Australian financial comparison website and general information service and we don’t represent any credit card company nor lender we feature on our site.

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

      I hope this is helpful.

      Cheers,
      May

Ask a question
feedback