Google Pay™ credit cards

Compare credit cards that work with Google Pay™. Apply online to get yours.

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

Comparing Google Pay™ credit cards

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.
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 Google Pay™ credit cards

  • Q&As

What is Google Pay™?

Google Pay™ is Google’s contactless mobile payment and digital wallet platform, for use in stores, within apps, or on websites when using the Chrome browser. It converts a credit or debit card’s chip and PIN into a digital format and stores the information in a phone, tablet or watch using the Android operating system.

The Android device communicates with contactless point of sale equipment to authorise a payment. Once you have added your compatible credit card to Google Pay™ Pay, you can leave your credit card at home. Payments are made by holding your mobile device close to the contactless payment terminal.

Can I use Google Pay™ with any credit card?

No. Not all Australian banks offer Google Pay™, and not all cards from a participating bank will be Google Pay™-enabled. Google Pay™ is currently available with American Express cards, and some Visas and MasterCards from ANZ, Westpac, ING, Macquarie, and many smaller banks and credit unions.

Which smartphones and other devices can be used with Google Pay™?

  • To use Google Pay™ on your phone, you will need a phone running Android 4.4 (Kit Kat) or later, with NFC technology included.
  • To use Google Pay™ with your Android Watch, you will need an Android Wear smartwatch running Android Wear 2.0 with NFC technology included, and you will also need to select the credit card(s) you want to use from the cards already listed on your Android phone.
  • To use Google Pay™ with your tablet (within apps or on websites in Chrome) you will need to be running Android 4.4 (Kit Kat) or higher

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

How do I set up Google Pay™ and add a credit card?

There may be slight variations in the set-up procedure depending on the bank issuing the card and the model of your phone or other device. Here are the basic steps:

  • Go to Google Play and get the Google Pay™ app
  • Open the app
  • Tap ‘+’ at the bottom right
  • Tap ‘Add a credit or debit card’
  • Use your device’s camera to capture your card details, or enter them manually
  • Choose a verification method (if required) from the list provided
  • Obtain and enter the verification code.

Can I add more than one credit card to Google Pay™?

Yes. You should be able to add multiple cards. You can also select one card as a default card.

How do I make payments when shopping in a physical store using Google Pay™ on my phone or watch instead of using my credit card?

  • To pay with a phone using your default credit card, wake up your phone (if necessary) and hold it close (within 2.5 cm) to the contactless reader until it beeps or vibrates and a checkmark appears on the screen
  • To pay with an Android Watch, place the watch close (within 2.5 cm) to the contactless reader and wait for the vibration or beep
  • You may be asked to enter your credit card PIN for payments over $100

As well as in-store payments you can also make purchases within apps on your phone and at websites when using Google Chrome, if you see an Google Pay™ button on the screen.

How do I know if a Point of Sale terminal accepts Google Pay™?

You can use Google Pay™ wherever you see the normal contactless payment vector logo. Some stores also display the dedicated Google Pay™ symbol (a circle containing the green Google logo above the word ‘pay’).

Are there any extra security problems with Google Pay™?

Google Pay™ uses a virtual account number to represent your card information - not the actual card number. Your credit card details are not sent with your payment or shared with the merchant, making it extra secure as well as super convenient. And you’ll continue to enjoy the same level of anti-fraud protection and guarantees from your bank as you would with a conventional payment method.

If you lose your phone, or it’s stolen, you can instantly lock it from anywhere, or change the password, or remove all personal data, by using Google Device Manager. You won’t need to cancel or suspend your credit card.

What else can Google Pay™ do?

Google Pay™ users can access exclusive offers and discounts just for using the payment system.

You can also add some (but not all) store loyalty cards to your Google Pay™ digital wallet.

Are there other contactless mobile payment and digital wallet systems, besides Google Pay™?

Yes. Some credit cards are compatible with Apple Pay and Samsung Pay in addition to, or instead of, Google Pay™.