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 June 25th, 2017
Name Product Product Description Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee
Citi Qantas Signature Credit Card
Earn from 0.5 Qantas Points per $1 spent on selected purchases and get a 2 airport lounge visits per year.
50,000 bonus points
0.5
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
American Express Essential®  Credit Card
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with your Essential Credit Card.
1
14.99% p.a.
$0 p.a.
American Express Velocity Escape Card
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
1
20.74% p.a.
$0 p.a.
Qantas American Express Discovery Card
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
1
20.74% p.a.
$0 p.a.
American Express Platinum Edge Credit Card
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
1
20.74% p.a.
$0 p.a. annual fee for the first year ($195 p.a. thereafter)
Westpac 55 Day Platinum Credit Card
Receive up to 55 days interest-free on purchases, platinum concierge service and extended complimentary insurance cover.
0
0
0% p.a. for 6 months (reverts to 19.84% p.a.)
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Citi Clear Platinum
Save with 14.99% p.a. on retail purchases. Also enjoy free wine when you dine with the Citibank Dining Program.
0
0
14.99% p.a.
$99 p.a.
David Jones American Express
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
30,000 bonus points
1
20.74% p.a.
$99 p.a.
Emirates Citi World Mastercard
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in carefully curated local and global experiences.
50,000 bonus points
1
0
20.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Citi Rewards Signature Credit Card
Earn from 1 Point per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.
75,000 bonus points
1
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Citi Prestige Card
Earn from 1 Point per $1 spent on selected purchases and enjoy unlimited airport lounge access with a complimentary Priority Pass.
70,000 bonus points
3
20.99% p.a.
$700 p.a.
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
100,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
Qantas American Express Premium Card - Exclusive Offer
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
50,000 bonus points
1.25
20.74% p.a.
$249 p.a.
American Express Platinum Card
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,000 VIP lounges.
80,000 bonus points
0
1
$1,200 p.a.
Qantas American Express Ultimate Card
Receive a complimentary Qantas domestic return flight and 2 American Express Airport Lounge entries each calendar year.
55,000 bonus points
1.5
20.74% p.a.
$450 p.a.
American Express Business Card
Consolidate your business expenses and extend your cashflow with up to 51 interest-free days on purchases.
0
1
$109 p.a.
American Express Platinum Business Card
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
100,000 bonus points
0
1
$1,500 p.a.
American Express Gold Business Card
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
10,000 bonus points
0
1
$169 p.a.
Westpac Low Rate Card
Receive up to 55 days interest-free on purchases if you pay your balance in full. Plus, the convenience of the Westpac mobile banking app.
0
0
0% p.a. for 6 months (reverts to 13.49% p.a.)
$59 p.a.
American Express Explorer® Credit Card
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
50,000 bonus points
2
20.74% p.a.
$395 p.a.
Westpac Altitude Platinum Card
Earn 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases. Offer ends 28 June 2017.
60,000 bonus points
1
2
20.24% p.a.
$150 p.a.
Citi Rewards Platinum Credit Card
Earn Reward Points per $1 spent as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Citi Simplicity Card
Earn 10% cashback on eligible purchases (capped at $50 per month) for the first 4 months from card approval.
0
0
19.99% p.a.
$0 p.a.
Citi Rewards Classic Credit Card
Receive 1 point per $1 spent on all eligible Domestic Spend (up to $5,000 per period) and membership to the Citibank Dining Program.
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Westpac Altitude Black
Earn 80,000 bonus Altitude points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 28 June 2017.
80,000 bonus points
1.25
3
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)

Compare up to 4 providers

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.

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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

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