samsung pay

Credit cards with Samsung Pay

Leave 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.

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Comparison of Credit Cards with Samsung Pay

Rates last updated December 15th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Westpac Low Rate Card
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Virgin Australia Velocity High Flyer Card
90,000 bonus points
Velocity Frequent Flyer
1
20.74% p.a.
$289 p.a.
Take off sooner with up to 90,000 bonus Velocity Points, lounge passes and insurance covers. Plus, enjoy a 15 month balance transfer offer.
Citi Rewards Platinum Credit Card - Online Offer
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
NAB Low Fee Card
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$89 p.a.
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, up to 55 days interest-free on purchases.
NAB Qantas Rewards Premium Card
30,000 bonus points
Qantas Frequent Flyer
0.66
19.99% p.a.
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
$29 p.a.
Exclusively for customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
Citi Signature Qantas Credit Card
50,000 bonus points
Qantas Frequent Flyer
0.5
20.99% p.a.
$248 p.a. annual fee for the first year ($444 p.a. thereafter)
Receive 50,000 bonus Qantas Points, 2 yearly airport lounge visits and complimentary travel insurance. Plus, a discounted first year annual fee.
Virgin No Annual Fee Credit Card
18.99% p.a.
$0 p.a.
Offers a balance transfer rate of 6.9% p.a. interest for 36 months and up to 44 days interest-free on purchases, all for a $0 annual fee.
David Jones American Express
20,000 bonus points
Membership Rewards
1
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 20,000 bonus Membership Rewards points or 15,000 Qantas Points. Plus, uncapped points potential.
Citi Signature Credit Card
300,000 bonus points
Citi Rewards Program
1
20.99% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 15,000 monthly bonus reward Points for 20 months (300,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $195 first year annual fee.
ANZ Rewards Platinum
75,000 bonus points
ANZ Rewards Program
1.5
18.79% p.a.
$95 p.a.
Receive 75,000 bonus Reward Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 1.5 points per $1 spent.
Citi Prestige Card
400,000 bonus points
Citi Rewards Program
3
20.99% p.a.
$700 p.a.
Earn 20,000 monthly bonus points for 20 months (400,000 total). Plus, unlimited airport lounge access and free hotel stays.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
ANZ Rewards Travel Adventures card
40,000 bonus points
ANZ Rewards Program
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
ANZ Platinum Credit Card
19.74% p.a.
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
Virgin Money Low Rate Credit Card
11.99% p.a.
$49 p.a.
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
NAB Qantas Rewards Signature Card
90,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
Westpac Altitude Black - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
20.24% p.a.
$300 p.a.
Earn 80,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
ANZ Rewards Credit Card
25,000 bonus points
ANZ Rewards Program
1
18.79% p.a.
$80 p.a.
Earn uncapped Reward Points and get 25,000 bonus points when you spend $1,500 within the first 3 months from approval.
ANZ First Visa Credit Card
19.74% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
American Express Explorer Credit Card
100,000 bonus points
Membership Rewards Gateway
2
20.74% p.a.
$395 p.a.
Get 100,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Citi Simplicity Card
19.99% p.a.
$0 p.a.
Get 0% p.a. interest for up to 6 months on balance transfers with no BT fee. Plus, a $0 annual fee for life.
Westpac Altitude Platinum Card
60,000 bonus points
Westpac Altitude Rewards
1
20.24% p.a.
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
Citi Rewards Classic Credit Card
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 1 point per $1 spent on eligible purchases, up to $50 cashback when you meet the minimum spend and a 15 month balance transfer offer.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
NAB Qantas Rewards Card
Qantas Frequent Flyer
0.5
19.99% p.a.
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a $64 first year annual fee and 0% p.a. balance transfer offer. Plus, receive a $129 Virgin Australia Gift Voucher each year.
NAB Rewards Classic Card
30,000 bonus points
NAB Rewards
0.75
19.99% p.a.
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Rewards Platinum Card
60,000 bonus points
NAB Rewards
1
19.99% p.a.
$195 p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Rewards Business Signature Card
100,000 bonus points
NAB Rewards
1.25
18.50% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening.
Emirates Citi World Mastercard
60,000 bonus points
Emirates Skyward Miles Program
1
20.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles, pay half the annual fee for the first year and indulge in curated local and global experiences.
Bendigo Bank Platinum Rewards Mastercard
75,000 bonus points
Bendigo Rewards
1.5
19.99% p.a.
$89 p.a.
Get 75,000 bonus points when you spend $2,500 within 90 days. Plus, access to complimentary insurance covers and Mastercard Priceless Cities.
Citi Platinum Credit Card - Exclusive Offer
Citi Rewards Program
1
0% p.a. for 13 months (reverts to 20.99% p.a.)
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
More info

Compare up to 4 providers

samsung pay logo

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.

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 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 Google Pay and Apple Pay guides to compare your options.

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