Google Pay™ Credit Cards | Compare & Apply Online

Google Pay™ Credit Cards

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

38 reviews
0% p.a. for 18 months on balance transfers. Reverts to variable cash advance rate.
Low purchase rate of 13.74% p.a..
Up to 55 days on purchases.
Know if you’ve been approved with the quick 60-second online application.

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 Google Pay™.

Link your compatible credit card with Google 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
google pay
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Westpac Low Rate Credit Card
Apply by 31 jul 19
38 reviews
0% p.a. for 18 months on balance transfers. Reverts to variable cash advance rate.
Low purchase rate of 13.74% p.a..
Up to 55 days on purchases
More info
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18 months
0% p.a.
then 21.49%
with a 0% fee
$59
ongoing
Yes
Citi Rewards Platinum Card Balance Transfer Offer
Apply by 30 nov 19
0% p.a. for 26 months on balance transfers.
One-off 1.5% balance transfer fee applies.
Reduced annual fee of $0 p.a. in the first year ($199 p.a. thereafter).
More info
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26 months
0% p.a.
then 21.74%
with a 1.5% fee
$0
1st year
then $199
Yes
American Express Qantas Business Rewards Card
Apply by 03 jul 19
120,000 bonus Qantas Points when you are approved by 3rd July 2019 and spend $3,000 in 2 months.
Earn triple Qantas Points for your business when employees fly on eligible Qantas flights and pay using their American Express Qantas Business Rewards Card.
Earn 2 Qantas Points per $1 spent on Qantas products and services.
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$450
ongoing
Yes
NEW
American Express Velocity Platinum Credit Card
Apply by 15 jul 19
8 reviews
Receive up to 100,000 bonus Velocity Points when you apply by 15 July 2019, are approved and spend $1,000 every month for the first 4 months. This offer is available to new Card Members only.
Earn 1.25 Velocity Points per $1 spent, except government bodies where you will earn 0.5 Velocity Points per $1 spent.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
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12 months
0% p.a.
then 20.74%
with a 1% fee
$375
ongoing
Yes
Receive 15,000 Membership Rewards points or 7,500 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations, 2 Reward Points per $1 spent at David Jones, and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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$99
ongoing
Yes
Receive 30,000 Membership Rewards points or 15,000 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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$295
ongoing
Yes
$0 p.a. annual fee for the first year, then $30 p.a.
An easy to manage credit limit from $500 will mean you can’t build up a lot of debt.
Make every day a little bit easier and do your banking on the go with the ANZ App.
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$0
1st year
then $30
Yes
0% p.a. for the first 18 months on balance transfers with a 2% balance transfer fee on amounts transferred. Reverts to 21.49% p.a.
Low annual fee.
Up to 44 days interest free on purchases when you pay your account in full each month.
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18 months
0% p.a.
then 21.49%
with a 2% fee
$30
ongoing
Yes
100,000 bonus Qantas Points and $200 back when you spend $4,000 on eligible purchases in the first 3 months.
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
Get complimentary Overseas Travel and Medical Insurance (eligibility criteria apply) provided by QBE Insurance.
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$425
ongoing
Yes
25,000 bonus Qantas points when you spend $1,000 on eligible purchases in the first 3 months.
Complimentary Qantas Frequent Flyer membership.
Eligibility criteria, T&Cs, fees and charges apply.
More info
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$95
ongoing
Yes
50,000 bonus Qantas points and $100 back when you spend $2,000 on eligible purchases in the first 3 months.
Complimentary Qantas Frequent Flyer Membership.
Eligibility criteria, T&Cs, fees and charges apply.
More info
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-
$295
ongoing
Yes
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Q&As about Google Pay™ Credit Cards from customers

Q: 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.

Q: 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.

Q: 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.

Q: 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.
Q: 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.

Q: 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.

Q: 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’).

Q: 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.

Q: 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.

Q: 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™.

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