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Citi partners with Apple Pay


Citi cardholders can now tap and pay with their Apple devices.

Citi is the latest bank to jump on the Apple Pay bandwagon. From today, Citi credit card holders can use Apple Pay to make contactless payments with their smartphones or smartwatches.

Citi is now one of the largest banks (as well as the likes of ANZ, American Express and HSBC) that has partnered with Apple Pay. Meanwhile, the rest of the Big Four (CommBank, NAB and Westpac) have yet to partner with Apple Pay as a result of disputes over access to the tech giant’s NFC in an attempt to run their own payment apps on iOS devices.

Citi considers itself a bank that strives to stand at the front of digital innovation, so Apple Pay was a natural partnership to suit its customers' needs.

“Apple Pay is something that’s very important to our customers, and we are pleased to be able to launch this functionality for them,” said Citi Australia’s head of cards and loans Richard Wilde.

Apple Pay is built into your Apple Wallet on your device, so you just need to add your Citi credit card to the wallet to start making mobile contactless payments. Apple Pay is available on iPhone 6 devices and later, iPhone SE, iPad Pro, iPad (5th generation), iPad Air 3 and iPad Mini 3 and later.

As security is at the core of Apple Pay, your card numbers aren’t stored on your device or the Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely store in the Secure Element on your smartphone or watch. You have to use your biometric Touch ID (your fingerprint) or PIN to authorise a transaction and each transaction is authorised with a one-time unique dynamic security code. If you do lose your phone, you can remotely lock your Apple Pay account to prevent any unauthorised transactions.

Want to compare more credit cards that offer Apple Pay? Check out our complete list of banks that are partnered with Apple Pay.
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