Apple Pay Credit Cards

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

14 reviews
0% p.a. on balances transferred for 22 months, with a 2% balance transfer fee.
Annual fee refunded – a potential saving of $129 a year (conditions apply)
Earn 2 pts per $1 spent on overseas purchases.
Comes with Apple Pay.

Many credit cards are now compatible with the Apple Pay contactless mobile payment and digital wallet system. If you have an eligible Apple mobile device (iPhone or Apple Watch) you can use it to make contactless payments while leaving your credit card at home. Apple Pay is also a fast and convenient way to pay using your iPad, MacBook Pro or recent model of Mac desktop computer.

Linking your card to Apple Pay on your device is a simple process, and you enjoy the same security, or arguably even more security, than you do with a conventional contactless payment system.

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

balance transfer
annual fee
apple pay
Apply
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
Add to comparison
-
$395
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
Add to comparison
26 months
0% p.a.
then 21.74%
with a 2.5% fee
$49
1st year
then $149
Yes
Receive 50,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
Enjoy up to two entries per year to the American Express Lounge.
More info
Add to comparison
12 months
0% p.a.
then 20.74%
with a 1% fee
$395
ongoing
Yes
75,000 points when you spend $2,500 in 3 months.
$0 p.a. annual fee for the first year.
75 Bonus Status Credits when you buy and fly return with Qantas by 31st May 2018.
More info
Add to comparison
-
$0
1st year
then $425
Yes
Citi Simplicity Card
Apply by 30 apr 18
No annual fee.
Enjoy up to $50 cash back: 5% cash back on all retail purchases (up to $1000 spend) in the first 90 days from approval.
0% p.a. for 15 months on balance transfers. (1.5% BT fee applies).
More info
Add to comparison
15 months
0% p.a.
then 19.99%
with a 1.5% fee
$0
ongoing
Yes
HSBC Low Rate Credit Card
Apply by 30 jun 18
Enjoy 0% p.a. for 20 months on balances transferred to your new card.
A low 13.25% p.a. purchase rate.
60 months interest free with 0% finance for furniture, kitchens, computers, and TVs. (Conditions Apply)
More info
Add to comparison
20 months
0% p.a.
then 21.99%
with a 2% fee
$79
ongoing
Yes
0% p.a. for the first 15 months on balance transfers with no balance transfer fee.
Low 12.49% p.a. ongoing rate on purchases.
Low annual fee of $58 p.a.
More info
Add to comparison
15 months
0% p.a.
then 21.74%
$58
ongoing
Yes
Citi Rewards Platinum Card Points Offer
Apply by 31 jan 18
Receive 100,000 points when you spend $3,000 in 90 days from card approval.
0% p.a. for 15 months on balance transfers.
Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).
More info
Add to comparison
15 months
0% p.a.
then 21.74%
with a 1% fee
$49
1st year
then $149
Yes
65,000 points when you spend $2,500 in 3 months.
$0 p.a. annual fee for the first year.
Complimentary Qantas Frequent Flyer Membership.
More info
Add to comparison
-
$0
1st year
then $295
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
Add to comparison
-
$160
ongoing
Yes
HSBC Platinum Credit Card
Apply by 30 jun 18
14 reviews
0% p.a. on balances transferred for 22 months, with a 2% balance transfer fee.
Earn 2 pts per $1 spent on overseas purchases.
Annual fee refunded – a potential saving of $129 a year (conditions apply)
More info
Add to comparison
22 months
0% p.a.
then 21.99%
with a 2% fee
$129
ongoing
Yes
Show more cards
 

Q&As about Apple Pay Credit Cards from customers

Q: 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.

Q: 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:

  1. Actually using it to pay for things in store and online is very easy and, importantly, fast.
  2. It is highly secure because, thanks to a technology known as tokenisation, your credit card number is not actually disclosed.
  3. 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.
Q: 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.

Q: 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.

Q: 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.
Q: 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
Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

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

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

as seen in
Compare these cards: