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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.

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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.

Exclusive to finder.com.au - ANZ Credit Card Offer

ANZ Low Rate - Exclusive Offer

0% p.a. for 25 months on balance transfers
$0 annual fee for the first year

Offer ends 13 September 2020

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - ANZ Credit Card Offer

Take advantage of introductory 0% balance transfer rate for the first 25 months and a first year annual fee waiver with this exclusive offer.

  • $0 first year annual fee ($58 p.a. thereafter)
  • 0% p.a. on balance transfers for 25 months with 1.5% BT fee, reverts to 20.24% p.a.
  • Ongoing 12.49% p.a. purchase interest rate
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Comparison of Credit Cards with Samsung Pay

Data indicated here is updated regularly
Name Product Bonus Points Rewards program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
Westpac Low Rate Card
Finder Award
Westpac Low Rate Card
13.74% p.a.
$59 p.a.
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
American Express Platinum Edge Credit Card
Membership Rewards Ascent
Amex
1
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus up to 3 Membership Rewards Points / $1.
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations with this premium card.
Virgin Money No Annual Fee Credit Card
18.99% p.a.
$0 p.a.
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
NAB Low Rate Credit Card
0% for 6 months, reverts to 12.99% 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 Qantas Rewards Signature Card
130,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
American Express Gold Business Card
100,000 bonus points
Membership Rewards Ascent
Amex
1.5
N/A
$169 p.a.
ABN holders w/ $75,000 revenue. Get 100,000 bonus Membership Rewards Points and up to 51 days to pay for purchases.
American Express Explorer Credit Card
50,000 bonus points
Membership Rewards
Amex
2
20.74% p.a.
$395 p.a.
Get 50,000 bonus points when you spend $3,000 in the first 3 months, a yearly $400 Travel Credit and 2 entries per year to the Amex Lounge.
ANZ Low Rate
12.49% p.a.
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Westpac Altitude Platinum Card
80,000 bonus points
Westpac Altitude Rewards
Visa/MC
1
20.49% p.a.
$99 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
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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 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 instead of using your fingerprint.

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.

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.

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 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.

Pictures: Shutterstock

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    ZJuly 11, 2016

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

    • Avatarfinder Customer Care
      MayJuly 15, 2016Staff

      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

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
2.99% p.a. for 9 months
$79 p.a.
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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