Most major banks and credit card issuers in Australia now offer Apple Pay, which means you can make payments directly from an iPhone, Apple Watch or even an iPad (as long as it's a newer model that offers Apple Pay compatibility).
But there are still some credit cards that don't work with Apple Pay, even if the transaction account equivalent does. So here, we've got a rundown of which banks and brands offer Apple Pay on their credit cards and which ones don't. Plus more details on how to use Apple Pay when you have a compatible credit card.
Which big banks and issuers are partnered with Apple Pay?
Compatible with Apple Pay
American Express
BOQ
NAB
ANZ
Citi
Qantas Money
Bank of Melbourne
Coles
St.George
BankSA
CommBank
Suncorp
Bankwest
HSBC
Virgin Money
Bendigo Bank
Kogan Money
Westpac
Archa
Australian Military Bank
Australian Mutual Bank
Australian Unity
Auswide Bank
AWA Alliance Bank
Bank Australia
Bank First
Bank of Heritage Isle
Bank of Sydney
Bank of us
BankVic
BankWAW
BCU
Beyond Bank Australia
BOQ Specialist
Border Bank
Central Murray Credit Union Ltd.
Central West Credit Union Ltd.
Coastline Bank
Community First Bank
Credit Union SA Ltd.
Defence Bank
Easy Street
EML Payment Solution Ltd.
Family First Credit Union
Firefighters Mutual Bank
First Option Bank
G&C Mutual Bank
Geelong Bank
Goldfields Money Ltd.
Goulburn Murray Credit Union
Great Southern Bank
Greater Bank
Health Professionals Bank
Heritage Bank
Horizon Bank
Hume Bank
humm provided by FlexiCards Australia Pty Ltd
Illawarra Credit Union Ltd.
IMB Bank
ING
Intech Credit Union Ltd.
Laboratories Credit Union Ltd.
Latitude Financial Services
Macquarie Bank
ME Bank
MONEYME
Move Bank
MyState Bank Ltd.
Newcastle Permanent
Northern Inland Credit Union
Orange Credit Union
P&N Bank
People's Choice Credit Union
Police Bank
Police Credit Union Ltd.
Qbank
Qpay
Qudos Bank
Queensland Country Bank
RACQ
Regional Australia Bank
Reliance Bank
South West Slopes Credit Union
Southern Cross Credit Union
Summerland Credit Union
Sydney Credit Union Ltd.
Teachers Mutual Bank
The Broken Hill Community Credit Union Ltd.
The Mac
The Mutual Bank
UBank
UniBank
Unity Bank Ltd.
Up Money
Volopay
Warwick Credit Union Ltd.
Weel
WizitMoney
Woolworths
Woolworths Team Bank
List is current as of 22 August 2023.
How does Apple Pay work?
Apple Pay uses NFC (Near Field Communication) technology that's built in your device, allowing you to tap it against the card reader to pay for your purchases without getting your card out.
It works with any iOS device that offers Apple Pay compatibility. The number of cards you can add depends on the phone: up to 8 accounts pre-iPhone 8, up to 12 accounts for iPhone 8, and up to 16 accounts for iPhone XS or later. You can also use the digital wallet with Apple Watch and some iPads.
How to add your credit card to Apple Wallet and set up Apple Pay
Before you can start using the app, you'll need to store your eligible card details in the Wallet app.
Open Wallet. On an iPhone this will be an app on your home screen. On an iPad you need to open Settings and tap "Wallet & Apple Pay".
Tap the + symbol in the app.
Select "Debit or credit card". Then click Continue in the next screen.
Scan your credit card. Make sure the credit card is positioned perfectly in the frame to scan it. You can also manually type in the details if needed.
Confirm details. Check the details have been scanned incorrectly. Then tap "Next". Your bank will then verify your information to determine whether or not your card is compatible with Apple Pay. You may be asked to provide more details to verify your card.
Tap "Next". You can now start using Apple Pay at participating outlets. You should also see the option to pair with Apple Watch.
Is Apple Pay safe to use?
Apple Pay includes a number of measures that protect your data and device. For example, instead of using your actual credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and safely stored in a dedicated chip in your Apple device known as the Secure Element.
When you use Apple Pay to make a purchase, the Device Account Number and a transaction-specific dynamic security code are used to approve your payment. Unlike physical credit cards, every payment requires a Touch ID, Face ID or a passcode, which reduces the chances of someone using your phone for payments if it's stolen.
What if my device is lost or stolen?
If your iPhone or iPad is misplaced or stolen, you can use the "Find My iPhone" app to put your device in Lost Mode. This allows you to either suspend Apple Pay or to wipe your device clean. If you've synced your device with iCloud, you can log in to your iCloud account and select "Settings" to disable your phone from making payments with your credit or debit card.
What are Apple Pay alternatives?
Apple Pay is an easy way for iPhone fans to make contactless payments with a tap of their smartphone. If you don't use an Apple device, you may want to consider options such as Google Pay or Samsung Pay. Otherwise, you can also compare debit cards with contactless payment capability.
Sally McMullen is a journalist with five years of experience covering credit cards and consumer finance. As co-host of the Two Broke Chicks podcast and co-author of Rich In Life, Sally shares valuable money-saving tips and life lessons with her audience. Sally was a Credit Cards Editor at Finder from 2015 to 2020. See full bio
Rebecca Pike is Finder’s senior money writer, with over 10 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise, A Current Affair, 9News, and Sky News, and contributes expert analysis to publications like Yahoo Finance and The Latch. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio
Rebecca's expertise
Rebecca has written 208 Finder guides across topics including:
While a credit card is linked with a line of credit, a debit card is connected to your own money. Compare the differences between the card types in this guide.
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What about ANZ Rewards Black and ANZ Frequent Flyer Platinum or Black?
Hello Stephen,
Thank you for your comment.
According to ANZ, yes, Apple Pay supports ANZ Rewards Black Visa, ANZ Frequent Flyer Black Visa and ANZ Frequent Flyer Platinum Visa.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
What about ANZ Rewards Black and ANZ Frequent Flyer Black or Platinum?
Hi Stephen,
Thank you for visiting Finder.
For the ANZ Rewards Black and the ANZ Frequent Flyer Black or the ANZ Frequent Flyer Platinum they both have Apple Pay as a mobile payment technology.
Cheers!
Val