Apple Pay credit cards

Compare credit cards that work with Apple Pay and start paying using your Apple iPhone or Apple Watch.

By   |   Verified by David Boyd   |   Updated 10th August 2020

Comparing Apple Pay credit cards

Citi Rewards Card Balance Transfer Offer

On Citi's website

Apply by 31 March 2021

Citi Rewards Card Balance Transfer Offer

Balance transfer

30 months at 0% p.a.

Purchase rate

21.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Enjoy 0% p.a. on balance transfers for 30 months with no 0% BT fee. Reverts to ongoing Cash Advance rate.
  • Earn Citi Rewards points as you spend using the card: 1 point per $1 Domestic spend (capped at $10,000 per statement period); or 1 point per $1 International spend (uncapped).
  • Feel secure with the complimentary Insurances: International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance, and Guaranteed Pricing Scheme.
  • Indulge convenience with contactless payment: Mastercard® PayPass, Apple Pay, and Samsung Pay.
  • Enjoy a free bottle of wine every time you dine at partner restaurants.
ANZ Low Rate

On ANZ's website

ANZ Low Rate

Balance transfer

25 months at 0% p.a.

Purchase rate

12.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. for 25 months on balance transfers (1.5% balance transfer fee applies). Reverts to 20.24% p.a. (balance transfer rate).
  • No annual fee for the first year ($58 thereafter).
  • Low 12.49% p.a. ongoing rate on purchases.
  • T&Cs, eligibility criteria, fees and charges apply on Balance Transfers (including annual fee, currently $0 for first year, $58 thereafter).

Pros

  • 0% p.a. on balance transfers up to 25 months.
  • $0 annual fee for the first year ($58 p.a. thereafter).
  • Take advantage of the low purchase interest rate of 12.49% p.a.

Cons

  • There is a 1.5% balance transfer fee.
  • No purchase or travel insurance included.
HSBC Platinum Credit Card Balance Transfer Offer

On HSBC's website

HSBC Platinum Credit Card Balance Transfer Offer

Balance transfer

26 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 0% p.a. on balance transfers for 26 months, with 1% balance transfer fee.
  • Save with $0 p.a. annual fee for the first year. The $129 p.a. annual fee.
  • Earn 2 points per $1 spent on overseas eligible purchases; or 1 point per $1 spent for all other eligible purchases.
  • Redeem points for e-Gift cards from Uber Eats, Woolworths, Bunnings and more.
Virgin Money No Annual Fee Credit Card

On Virgin Money's website

Apply by 29 January 2021

Virgin Money No Annual Fee Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee for the life of the card.
  • Transfer your balance at 0% p.a. for 12 months on balance transfers (reverts to 20.99% p.a.)
  • 0% p.a. for 12 months on purchases (reverts to 18.99% p.a.)

Pros

  • No annual fee ever.
  • 0% p.a. interest rate for up to 12 months on balance transfers and purchases.
  • Up to 4 additional cards, also with $0 annual fee.

Cons

  • The revert interest rates for balance transfers and purchases are relatively high.
Bendigo Bank Low Rate Credit Card

On Bendigo Bank's website

Apply by 31 January 2021

Bendigo Bank Low Rate Credit Card

Balance transfer

N/A

Purchase rate

15 months at 0% p.a.

Annual fee

$45.00 p.a. ongoing

Highlights

  • Enjoy 0% p.a. for 15 months on purchases.
  • Receive a $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases within 90 days of account opening.
  • Save with its low annual fee of $45 p.a. ongoing.
Westpac Low Rate Credit Card

On Westpac's website

Apply by 31 March 2021

Westpac Low Rate Credit Card

Balance transfer

24 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee. Reverts to variable cash advance rate of 21.49% p.a.
  • Plus, get $200 cashback when you spend $1,000 on eligible purchases within 90 days of card approval.
  • Enjoy up to 55 days on purchases.

Finty Rewards

More info
  • $50 cashback when you apply via Finty and are approved

Pros

  • 0% p.a. for up to 24 months on balance transfers.
  • Receive an additional $200 cashback.
  • Low 13.74% p.a. interest rate on purchases.

Cons

  • Balance transfer reverts to cash advance rate of 21.49% p.a. after 24 months.
St.George Vertigo Visa

On St.George's website

Apply by 30 March 2021

St.George Vertigo Visa

Balance transfer

24 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 0% for 24 months on Balance Transfers with 0% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $0 p.a annual fee for the first year ($55 p.a. thereafter).
  • Up to 55 days interest free on purchases.

Pros

  • Additional savings with $0 annual fee for the first year.
  • 0% p.a. for 24 months on balance transfers with no balance transfer fee
  • The competitive purchase interest rate of 13.99% p.a.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 24 months.
  • There are no rewards program for this card.
American Express Qantas Ultimate Credit Card

On American Express' website

Apply by 02 February 2021

American Express Qantas Ultimate Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$450.00 p.a. ongoing

Highlights

  • Receive 100,000 bonus Qantas Points plus $200 back when you apply by 2 February 2021, get approved and spend $3,000 on your new card within the first 3 months. New Card Members only.
  • Earn 1.25 Qantas Points for every $1 spent on card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
  • $450 Qantas Travel Credit each year (conditions apply).

Learn all about Apple Pay credit cards

  • Q&As

What is Apple Pay?

Apple Pay is a contactless mobile payment and digital wallet system for use in stores, within apps, or on websites when using the Safari browser. It converts a credit or debit card’s chip and PIN into a digital format and stores the information in an iPhone, iPad, Apple Watch, MacBook Pro or Mac desktop computer.

This allows the Apple device to communicate with contactless point of sale equipment in order to authorise a purchase, adding an extra level of security with either Touch ID (the user touching the device’s screen to enter a previously authenticated fingerprint) or a passcode.

Once your enabled credit card has been added to Apple Pay, you don’t need carry your credit card with you. You can just pay with your mobile device.

What is the benefit of paying with Apple Pay?

The benefits of using it are many, but the following three are perhaps these you would benefit from most in a day-to-day basis:

  • Actually using it to pay for things in store and online is very easy and, importantly, fast.
  • It is highly secure because, thanks to a technology known as tokenisation, your credit card number is not actually disclosed.
  • If you know you will be making purchases at stores that accept Apple Pay, you can leave home without your wallet. Obviously the biggest benefit of that is the reduced likelihood of losing it, but it also means carrying less stuff.

Are all credit cards enabled for Apple Pay?

No. It depends who the card issuer is (i.e. which bank or financial institution) and which particular card you have. Some Australian banks have been slow to adopt Apple Pay, and ANZ is currently the only one of the Big Four banks to offer it. However, Apple Pay is also available with cards from American Express, and as a Visa or MasterCard from Macquarie Bank, HSBC, ING, and many smaller banks and credit unions.

Which Apple mobile devices are compatible with Apple Pay?

To use Apple Pay on your iPhone, you will need to have either an iPhone SE or an iPhone 6 or later model.

  • To use Apple Pay with your Apple Watch, you will need to pair your compatible iPhone (iPhone 5 and later) with your Apple Watch.
  • To use Apple Pay with your iPad (within apps or on websites in Safari) you will need an iPad mini 3 or later, an iPad Air 2, an iPad Pro or an iPad 5th generation or later.
  • To use Apple Pay with your Mac, you will need either a MacBook Pro with Touch ID or a Mac 2012 or later model computer paired with an Apple Pay-enabled iPhone or Apple Watch.

You will need to add Apple Pay to each device on which you want to use it.

How do I add a credit card to Apple Pay on my mobile device?

There may be slight variations in the set-up procedure depending on the bank issuing the card and your device type or model, but the basic steps are:

  • On your mobile device, go to the Wallet app or setting and tap the plus symbol or ‘Add Credit or Debit Card’
  • Scan your credit card using the device’s camera, or load your card details manually
  • Enter your card’s security code and agree to the Apple Pay terms and conditions
  • Depending on the prompt you receive, confirm the process with a verification code sent from your bank by SMS, or by calling your bank using a phone number provided
  • Once your card is verified, tap ‘Next’ to start using Apple Pay.

How can I set up Apple Pay and add a card on an Apple Watch?

To set up Apple Pay on an Apple Watch, you will need to pair your compatible iPhone (iPhone 5 and later) with your Apple Watch. Then:

  • Open your phone’s Watch app
  • Go to the My Watch tab
  • Tap Wallet & Apple Pay
  • Follow the steps required to add a card

Can I add more than one credit card to the Wallet app on my mobile device?

Yes. You should be able to load multiple cards (up to eight). You can also select one card as a default card if you wish.

How do I make payments in store using Apple Pay on my mobile device instead of using my credit card?

  • To pay with an iPhone using your default credit card, simply rest your finger on Touch ID and hold your phone close (within 2.5 cm) to the contactless reader
  • To pay with an Apple Watch using your default credit card, double-click the side button and hold your watch close (within 2.5 cm) to the contactless reader
  • You may be asked to enter your PIN for payments over $100

As well as in-store payments you can also make purchases within apps on your phone, if you see an Apple Pay button on the screen.

Using an iPad, MacBook Pro or post-2011 Mac computer, you can pay on websites in Safari.

How do I know if a store accepts Apple Pay?

You can use Apple Pay wherever you see the normal contactless payment vector logo. Some stores also display the dedicated Apple Pay logo.

Is Apple Pay a secure payment method?

Apple Pay transactions use a specific number allocated to your mobile device, and a one-time transaction code. Your credit card details not stored on your device, or on Apple’s servers, and they are never shared with the merchant, making it not just more convenient but also more secure. Extra security is added by Touch ID, or a passcode when using an Apple Watch.

If you lose your device you can suspend Apple Pay by putting your device in ‘Lost Mode’, instead of having to cancel you card. If you don’t find your device (or if it’s stolen) you can permanently remove the card from the device. You can also phone your bank and ask them to suspend or remove your card from Apply Pay.

What else can I do with Apple Pay?

You can store your billing and shipping addresses, so that when you make a purchase with Apple Pay on a participating website, you don’t need to enter this information.

Apple says that you will soon be able to add your loyalty and rewards cards to the Apple Pay Wallet.

Is Apple Pay the only available contactless mobile payment and digital wallet system?

No. Many credit cards are enabled for Google Pay™ and for Samsung Pay as well as, or instead of, Apple Pay.