Apple Card: Key details and alternatives in Australia

Apple Card is tech giant Apple's first move into the credit card space. It's available in the US and is issued by Goldman Sachs, with a virtual card that's integrated into the Wallet app and works with Apple Pay. There's also an optional metal card for in-person payments.

In the US, Apple Card became available for application on 20 August 2019. In April 2023, Apple also launched an Apple Card Savings Account in the US.

Will Apple Card be available in Australia?

As of 2023, Apple has still not announced any plans for releasing Apple Card outside of the US. We'll update this page with any updates from Apple about an Australian launch of its credit card or its saving account. In the meantime, your closest option is a credit card that offers cashback and can integrate with Apple Pay.

You could also look at other virtual credit cards and cards that offer contactless payments.

Apple Card features

• Integrated with Apple Pay. Apple Card works via the Wallet app that lets you use Apple Pay. You can apply for the card through the Wallet app and transactions will show up in real time on your iPhone. Only devices with the latest version of iOS, watchOS, or macOS have access to Apple Card's full range of features. But you can still use it to make payments with an Apple Watch or other compatible devices with Apple Pay.
• A numberless titanium card. Cardholders can order a titanium card designed by Apple, which can be used with retailers that don't support Apple Pay. Unusually, it doesn't feature either a credit card number or CVV, which is a move designed to improve security. Instead, these details are stored in the Wallet.
• Daily Cash for cashback rewards. Apple Card offers cashback payments on every purchase you make on the card. Most purchases made using Apple Pay get 2% daily cashback. Purchases from Apple and select partner retailers earn 3%, while purchases with the physical card get 1% back. Some of the partnered retailers include Panera Bread, T-Mobile, Nike, Walgreens, Exxon Mobile and Ace Hardware. Apple Card doesn't let you earn frequent flyer points or integrate with other rewards schemes.
• No annual fee, foreign currency conversion fees or late fees. Apple is heavily promoting the "no-fees" aspect of the card. Important point: while there are no late fees as such, you will be charged additional interest if you don't make payments on time.
• Real-time interest estimates. The Apple Card shows estimates of how much interest you'll be charged, based on any payment amount you choose. This feature is similar to other credit card repayment calculators and gives you a chance to adjust your payment amount or budget for interest before it's charged.
• Spending tracker. The Apple Wallet automatically categorises all your spending and shows you where the spending happened using integration with Apple Maps.
• Instalment plans. When cardholders use their Apple Card to buy a new iPhone from Apple, they can pay it off with interest-free monthly instalments over 24 months. These instalments are subject to credit availability and minimum payments apply.
• Security features. Credit card numbers are issued per device and will need to be authorised with Touch ID or Face ID. Apple has stated that it will not be able to see what you buy or where you buy it.

As of 1 February 2024, the advertised interest rate for the US version of the card varied from 19.24% to 29.49%, based on creditworthiness. Those rates have been rising since 2023. We'd always recommend comparing the interest rates before signing up for a card, to make sure you're not paying over the odds.

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St.George Vertigo Card

0% p.a. for 24 months on balance transfers (with 1% balance transfer fee). $55 annual fee.

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Balance transfer rate p.a. (low-high)Balance transfer rate p.a. (high-low)Intro purchase rate (low-high)Intro purchase rate (high-low)Bonus points (low-high)Bonus points (high-low)Annual fee (low-high)Annual fee (high-low)

Product	Balance transfer rate p.a.	Intro purchase rate	Bonus points	Annual fee	Amount Saved
ANZ Low Rate - Credit Back Offer	21.99%	Intro purchase rate 13.74%	N/A	$58		Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.	Go to siteView details Compare	loading Fetching your data...
American Express Essential Rewards Credit Card		Intro purchase rate 23.99%	60,000	$108		Limited time offer: Offers 60,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months.	Go to siteView details Compare	loading Fetching your data...
Qantas Premier Everyday	0% for 12 months with 2% balance transfer fee, then 21.99%	Intro purchase rate 20.99%	8,000	$99	Amount saved $728.32 over 12 months	Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.	Go to siteView details Compare	loading Fetching your data...
Bankwest Breeze Platinum Mastercard Finder Award	0% for 24 months with 3% balance transfer fee, then 12.99%	Intro purchase rate 12.99%	N/A	$59	Amount saved $1,443.89 over 24 months	Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.	Go to siteView details Compare	loading Fetching your data...
David Jones Premiere Credit Card		Intro purchase rate 23.99%	30,000	$99		Receive 30,000 David Jones Points (worth $150 of gift cards) when you spend $1,500 on eligible purchases within the first 90 days. Plus, enjoy complimentary express delivery and gift wrapping at David Jones. Ends 12 April 2025.	Go to siteView details Compare	loading Fetching your data...
American Express Platinum Business Card		Intro purchase rate 0%	250,000	$875 first year ($1,750 after)		Limited time offer: Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a half off annual fee in the first year. ABN holders w/ $75,000 revenue..	Go to siteView details Compare	loading Fetching your data...
American Express Velocity Escape Plus Card		Intro purchase rate 23.99%	30,000	$95		Get 30,000 bonus Velocity Points when you meet the spend requirement, receive $50 statement credit and earn up to 1.75 Velocity Points per $1 spent.	Go to siteView details Compare	loading Fetching your data...
Westpac Altitude Platinum Card		Intro purchase rate 20.99%	120,000	$99 first year ($175 after)		Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).	Go to siteView details Compare	loading Fetching your data...
Virgin Money Anytime Rewards Credit Card	0% for 12 months, then 20.99%	Intro purchase rate 19.99%	80,000	$149	Amount saved $778.32 over 12 months	Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months.	Go to siteView details Compare	loading Fetching your data...
ANZ Low Rate - Balance Transfer Exclusive Offer Exclusive	0% for 28 months with 2% balance transfer fee, then 21.99%	Intro purchase rate 13.74%	N/A	$0 first year ($58 after)	Amount saved $1,671.59 over 28 months	Finder Exclusive: 0% p.a. for 28 months on a balance transfer (with 2% BT fee) and $0 first-year annual fee. Limited time offer expires by 17 April 2025 and may be withdrawn at any time. T&Cs apply.	Go to siteView details Compare	loading Fetching your data...
St.George Amplify Signature		Intro purchase rate 20.99%	180,000	$199 first year ($295 after)		Up to 180,000 bonus Amplify Points (130,000 points when you spend $12,000 in the first year of card approval & an extra 50,000 points after the first eligible spend the following year). Plus, a $199 first-year annual fee.	Go to siteView details Compare	loading Fetching your data...
Qantas American Express Ultimate Card Finder Award		Intro purchase rate 23.99%	50,000	$450		Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months.	Go to siteView details Compare	loading Fetching your data...
Westpac Lite Card		Intro purchase rate 9.9%	N/A	$108		Save with 0% foreign transaction fees, a low interest rate on purchases and cashback offers through Westpac Extras.	Go to siteView details Compare	loading Fetching your data...
David Jones Prestige Credit Card		Intro purchase rate 23.99%	60,000	$295		Receive 60,000 David Jones Points (worth $300 of gift cards) when you spend $3,000 on eligible purchases within the first 90 days. Plus, enjoy complimentary insurance and lounge access. Ends 12 April 2025.	Go to siteView details Compare	loading Fetching your data...
ANZ Rewards Platinum	21.99%	Intro purchase rate 20.99%	100,000	$149		Get 100,000 bonus ANZ Reward Points (worth $440 in eGift cards) and $50 back when you spend $2,000 on eligible purchases in the first 3 months.	Go to siteView details Compare	loading Fetching your data...

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Will Apple Card work if I don't have an iPhone?

In the US, you need to have the Wallet app and an iPhone or iPad, Apple Watch or Mac. For example, you can use it with iPhones that have Face ID or Touch ID (except iPhone5s). If you don't add a compatible Apple device to your account after getting an Apple Card, you could only use it for eligible Apple purchases.

Apple hasn't announced any plans to support the card on Android and it's highly unlikely that will happen. While a physical card is also supplied for use in stores that don't directly accept Apple Pay, you need to sign into your iCloud account with a valid Apple ID as part of the application process.

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Angus Kidman

Editor-at-large

Angus Kidman is Finder’s International Editor-at-Large and an award-winning journalist with over 30 years of experience in tech, travel and finance. He was previously the editor of Lifehacker Australia and Australian Personal Computer, and is a recognised commentator, appearing on shows like Sunrise and The Project. A two-time IT Journalism Award winner, Angus has written for top publications such as The Sydney Morning Herald, the AFR, The Australian and Gizmodo, and is known for his expertise in travel rewards and consumer technology. See full bio

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Amy Bradney-George

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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