Google Pay™ credit cards

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

By   |   Verified by David Boyd   |   Updated 16 Feb 2024

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Comparing Google Pay™ credit cards

St.George Vertigo Visa

Apply by 30 April 2024

St.George Vertigo Visa

Balance transfer

32 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Enjoy 0% for 32 months on Balance Transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Pros

  • 0% p.a. for 32 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 32 months.
  • There are no rewards program for this card.
American Express Qantas Ultimate Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$450.00 p.a. ongoing

Highlights

  • Receive 100,000 bonus Qantas Points when you apply by 2 April 2024 are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • Get 2 complimentary Qantas Club lounge invitations each year.
  • $450 Qantas Travel Credit each year (conditions apply).

Pros

  • Earn 100,000 bonus Qantas Points when you meet the criteria.
  • Excellent earn rates on everyday spending. Earns points on payments to the ATO.
  • Access to The Centurion® Lounge. after your first card spend on the card for Qantas products and services each anniversary year.
  • 2 complimentary Qantas Club lounge invitations each year.
  • Add cards for up to four family and friends at no cost.

Cons

  • The annual fee of $450.
  • There is no concierge service, even though it's a high end card.
  • Balance transfers are not possible.
  • Transactions in a foreign currency attract a fee.
HSBC Platinum Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Avail of the 0% p.a. on balance transfers for 12 months with a 2% balance transfer fee.
  • Enjoy the first year with no annual fee, then it's $149 per year afterward.
  • Earn 2 Reward Plus points per $1 spent on overseas eligible purchases and 1 Reward Plus point per $1 spent for all other eligible purchases.
  • $6,000 minimum credit limit.

Pros

  • 0% p.a. on balance transfers for 12 months.
  • $0 annual fee for the first year.
  • Enjoy 2 airport lounge passes every year.
  • Benefit from HSBC Instant Savings with exclusive dining and shopping discounts.
  • Includes complimentary travel and purchase protection insurance.
  • Choice of points transfer partners (Asia Miles, KrisFlyer, Velocity Frequent Flyer).

Cons

  • The balance transfer rate reverts to 21.99% p.a. after 12 months.
  • 2% balance transfer fee.
  • The 10,000 points cap per statement period.
American Express Explorer Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$395.00 p.a. ongoing

Highlights

  • Receive 50,000 Bonus Membership Rewards Points when you apply, are approved, and spend $4,000 on your new Card within the first 3 months. T&Cs apply. New Amex Card Members only.
  • Receive a $400 Travel Credit each year towards any flights, hotels, and car hire when you book online with this card.
  • Includes complimentary domestic & international travel insurance.

Pros

  • The 50,000 bonus Membership Rewards Points when approved and reach spend requirement within the first 3 months.
  • Receive a $400 travel credit every year.
  • Earn 2 Membership Rewards points per $1 spent on purchases except for government bodies in Australia where you will earn 1 point per $1 spent (uncapped).
  • Get two complimentary entries per year to The Centurion® Lounge.

Cons

  • The $395 p.a. annual fee.
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Earn up to 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!


From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.


Pros

  • The 60,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
St.George No Annual Fee Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee for as long as you have the card.
  • Enjoy up to 55 days interest-free on purchases.
  • Low minimum credit limit.

Pros

  • No annual fee for life.
  • Up to 55 days interest-free.
  • As low $500 credit limit.

Cons

  • No rewards program for this card.
  • Ongoing rates are not low.
MONEYME Freestyle Virtual Card

Balance transfer

N/A

Purchase rate

18.74% p.a. ongoing

Annual fee

From $0.00 p.a. ongoing

Highlights

  • Use virtual card instantly once approved (typically within 60 mins)
  • Tap n Pay with up to 55 days interest free
  • Use credit to transfer money to anyone
  • Exclusive perks & many more features
  • Thousands of 5-star customer reviews

Bank promo

  • Get MONEYME's lowest advertised rate EVER of 18.74% p.a.
  • Annual fee of $0 to $149 p.a. based on credit limit plus a monthly fee of $5 for balances over $20.
  • Be eligible for deals and credit back offers at over 2,000 participating stores thanks to MONEYME Perks, powered by Cashrewards. Terms and conditions apply.

Pros

  • Available to use immediately after approval.
  • Money can be transferred to your bank account.
  • Get cashback at participating stores with Cashrewards.

Cons

  • The maximum credit limit is comparatively low.
  • Combination of annual and monthly fees can be quite expensive for the highest credit limit.
  • There is a 1.5% withdrawal fee.
St.George Amplify Signature Credit Card (Amplify)

Apply by 30 April 2024

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$199.00 for 1st year

Highlights

  • Earn up to 150,000 Bonus Amplify Rewards Points when you spend $12,000 on eligible purchases within the first 12 months from card approval.
  • $199 card fee for the first year ($295 p.a thereafter).
  • 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on amounts transferred.
  • Includes complimentary overseas travel insurance for up to 6 months

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • Save $96 with the $199 card fee for the first year.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • Comes with concierge services.

Cons

  • After the initial year, the annual fee is $295 p.a.
  • There is a 1% balance transfer fee.
BankSA Vertigo Credit Card

Apply by 30 April 2024

BankSA Vertigo Credit Card

Balance transfer

32 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Earn up to $400 cashback on your supermarket shop or enjoy 0% for 32 months on Balance Transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • 13.99% p.a. low variable interest rate on purchases.
  • Up to 55 days interest-free on purchases.

Pros

  • Get 10% cashback on your supermarket shop or 0% p.a. for 32 months on balance transfers with a 1% balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Up to 55 days interest-free on purchases.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 32 months.
  • There are no rewards program for this card.
The American Express Essential Credit Card

On website

Balance transfer

N/A

Purchase rate

18.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Low 18.99% p.a. on purchases and up to 55 days interest-free when you clear the previous balance.
  • $0 Annual Fee.
  • Earn 1.25 Membership Rewards Gateway points for every $1 spent on everyday purchases, utilities, insurance, and telecommunications.

Pros

  • $0 Annual Fee with the ability to earn points on your everyday spend.
  • Membership Rewards points can be transferred to several airlines for greater choice when redeeming for flights.
  • Comes with up to $500 of Smartphone Screen Cover.

Cons

  • Doesn't come with travel insurance.
  • No access to concierge services.
  • There is no introductory balance transfer offer.
Bankwest Zero Mastercard

On website

Balance transfer

28 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Pay no annual fee as long as you hold the card.
  • 0% p.a. for 28 months on balances transferred (3% balance transfer fee applies). Reverts to 14.99% p.a. thereafter.
  • Up to 55 days interest-free on purchases.
  • New customers only. Limited time. Other fees and charges, T&Cs apply.

Pros

  • There is no annual fee for as long as you keep the card.
  • The current balance transfer offer is extremely competitive.
  • Interest on purchases is comparatively low.

Cons

  • Balance transfers incur a one-off fee.
  • You cannot earn credit card points.
BankSA Amplify Signature Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$139.00 for 1st year

Highlights

  • Earn up to 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 24 months on balance transfers with 1% balance transfer fee on amounts transferred.
  • Includes complimentary overseas travel insurance for up to 6 months


From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.


Pros

  • The 90,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • After the initial year, the annual fee will revert to $295.

Learn all about

  • 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™.