Android Pay Credit Cards

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

Contactless credit card payments have become the norm over the last few years, and many smartphone owners have now taken the next step, converting their phone into a digital wallet and leaving their credit cards at home. And since many popular brands of phone – including Samsung, Huawei, LG, Motorola, Google Pixel, Sony and HTC – use the Android operating system, there’s plenty of demand for credit cards enabled for Android Pay.

Link your compatible credit card with Android Pay on your phone or other Android mobile device – your tablet or Android watch – for a fast, convenient and secure way to pay in stores and in apps, online using the Chrome browser, and anywhere else you need to pay and go. As long as your phone is unlocked you just hold it close to the terminal and you’re done. You don’t even need to open the app or interrupt what you’re already doing on your phone.

Downloading the Android Pay app and adding a credit card is a simple process.

Choose one of the credit cards listed on this page if you want to use Android Pay.

balance transfer
annual fee
android pay
Apply
NEW
Westpac Low Rate Credit Card Exclusive Offer
Apply by 28 feb 18
0% p.a. for 30 months on balance transfers. (2% balance transfer fee applies). Reverts to variable cash advance rate.
$0 p.a. annual fee for the first year.
Up to 55 days on purchases
More info
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30 months
0% p.a.
then 21.49%
with a 2% fee
$0
1st year
then $59
Yes
American Express Velocity Platinum Credit Card Exclusive Offer
Apply by 29 jan 18
PARTNER EXCLUSIVE: Receive 100,000 points when you apply online by 29 Jan 2018, are approved and spend $1,500 on your new card within the first 3 months.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
More info
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12 months
0% p.a.
then 20.74%
with a 1% fee
$375
ongoing
Yes
Citi Rewards Platinum Card Balance Transfer Offer
Apply by 30 jun 18
0% p.a. for 26 months on balance transfers.
One-off 2.5% balance transfer fee applies.
Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).
More info
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26 months
0% p.a.
then 21.74%
with a 2.5% fee
$49
1st year
then $149
Yes
American Express Qantas Business Rewards Card
Apply by 31 jan 18
100,000 bonus Qantas Points when you are approved by 31 Jan 2017 and spend $3,000 in 2 months.
Earn Triple Qantas Points for your business on eligible Qantas Flights.
Earn 2 Qantas Points per $1 spent on Qantas products and services.
More info
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-
$450
ongoing
Yes
Westpac Altitude Black Credit Card Exclusive Offer
Apply by 31 jan 18
Earn 100,000 bonus Qantas or Altitude Points when you spend $5,000 on eligible purchases within 90 days of card approval.
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
2 complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services.
More info
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-
$250
1st year
then $395
Yes
Coles No Annual Fee Mastercard
Apply by 31 jan 18
77 reviews
Earn 20,000 flybuys bonus points if you apply and are approved before the 31st Jan 2018, and make a purchase within 30 days of card approval.
Earn 1 flybuys point per $2 on eligible spend.
No annual fee to pay, ever.
More info
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6 months
0% p.a.
then 19.99%
$0
ongoing
Yes
Citi Rewards Signature Credit Card Points Offer
Apply by 31 jan 18
Receive 120,000 bonus reward Points when you spend $3,000 in 90 days from Card approval.
2 pts per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.
More info
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15 months
0% p.a.
then 21.74%
with a 1% fee
$199
1st year
then $395
Yes
American Express Business Accelerator Credit Card
Apply by 31 jan 18
1 review
Earn 10,000 points when you apply, are approved and spend $1,000 in 2 months.
Earn up to 2 pts per $1 spent for each dollar spent.
Receive 55 interest free days on your purchases.
More info
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-
$160
ongoing
Yes
Earn 1 Membership Rewards point for each dollar spent.
No pre-set spending limit means more flexibility.
Extend your cash flow up to 51 days.
More info
Add to comparison
-
$109
ongoing
Yes
American Express Business Explorer Credit Card
Apply by 31 jan 18
Receive 100,000 points when you apply by 31st Jan 2018, are approved and spend $3,000 on your card within the first 3 months.
Earn 50,000 business loyalty bonus points when you spend $100,000 every 12 months from the card approval date.
Enjoy up to two entries per year to the American Express Lounge.
More info
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-
$395
ongoing
Yes
Receive 20,000 points or 15,000 Qantas Points. (Conditions Apply)
Earn up to 3 points per $1 spent at major supermarkets and petrol stations, 2 points per $1 spent at David Jones, and 1 point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer points or Membership Rewards points.
More info
Add to comparison
-
$99
ongoing
Yes
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Q&As about Android Pay Credit Cards from customers

Q: What is Android Pay?

Android 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 Android Pay Pay, you can leave your credit card at home. Payments are made by holding your mobile device close to the contactless payment terminal.

Q: Can I use Android Pay with any credit card?

No. Not all Australian banks offer Android Pay, and not all cards from a participating bank will be Android Pay-enabled. Android 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.

Q: Which smartphones and other devices can be used with Android Pay?
  • To use Android Pay on your phone, you will need a phone running Android 4.4 (Kit Kat) or later, with NFC technology included.
  • To use Android 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 Android 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 Android Pay to each device on which you want to use it.

Q: How do I set up Android 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 Android 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.
Q: Can I add more than one credit card to Android Pay?

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

Q: How do I make payments when shopping in a physical store using Android 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 Android Pay button on the screen.

Q: How do I know if a Point of Sale terminal accepts Android Pay?

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

Q: Are there any extra security problems with Android Pay?

Android 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 Android Device Manager. You won’t need to cancel or suspend your credit card.

Q: What else can Android Pay do?

Android 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 Android Pay digital wallet.

Q: Are there other contactless mobile payment and digital wallet systems, besides Android Pay?

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

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