Credit cards with Google Pay

Most credit cards now let you payments straight from your mobile via Google Pay. Compare them here.

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Richard Whitten

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Rebecca Pike

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Product Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
ANZ Low Rate - Credit Back Offer
ANZ Low Rate - Credit Back Offer image
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$58
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
Go to siteMore info
Westpac Altitude Velocity Platinum
Velocity Frequent Flyer
Westpac Altitude Velocity Platinum image
Purchase rate p.a.
20.99%
Bonus points
75,000
Points per $ spent
0.5
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$250
Get 75,000 bonus Velocity Points when you spend $4,000 on eligible purchases in the first 90 days.
Go to siteMore info
American Express Essential Rewards Credit Card
Membership Rewards
American Express Essential Rewards Credit Card image
Purchase rate p.a.
23.99%
Bonus points
60,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$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.
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Bankwest Breeze Platinum Mastercard
Finder Award
Bankwest Breeze Platinum Mastercard image
Purchase rate p.a.
12.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 3% balance transfer fee, then 12.99%
Annual fee
$59
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.
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American Express Platinum Business Card
Membership Rewards Ascent Premium
American Express Platinum Business Card image
Purchase rate p.a.
0%
Bonus points
250,000
Points per $ spent
2.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$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.
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American Express Qantas Business Rewards Card
Finder AwardQantas Business Rewards
American Express Qantas Business Rewards Card image
Purchase rate p.a.
0%
Bonus points
150,000
Points per $ spent
1.25
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$225 first year ($450 after)
Limited time offer: Earn 150,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a half off annual fee in the first year. ABN holders w/ $75k revenue.
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American Express Platinum Card
Membership Rewards
American Express Platinum Card image
Purchase rate p.a.
0%
Bonus points
150,000
Points per $ spent
2.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$1,450
Earn 150,000 Membership Rewards Bonus Points when you apply through the link and spend $5,000 on eligible purchases in the first 3 months.
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American Express Velocity Escape Plus Card
Velocity Frequent Flyer
American Express Velocity Escape Plus Card image
Purchase rate p.a.
23.99%
Bonus points
30,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$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. Ends 30 April 2025.
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Westpac Altitude Platinum Card
Westpac Altitude Rewards
Westpac Altitude Platinum Card image
Purchase rate p.a.
20.99%
Bonus points
120,000
Points per $ spent
1
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$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).
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Virgin Money Anytime Rewards Credit Card
Virgin Money Rewards
Virgin Money Anytime Rewards Credit Card image
Purchase rate p.a.
19.99%
Bonus points
80,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months with 0% balance transfer fee, then 20.99%
Annual fee
$149
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.
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St.George Amplify Signature
Amplify Rewards
St.George Amplify Signature image
Purchase rate p.a.
20.99%
Bonus points
180,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$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 siteMore info
Qantas American Express Ultimate Card
Finder AwardQantas Frequent Flyer
Qantas American Express Ultimate Card image
Purchase rate p.a.
23.99%
Bonus points
50,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$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 siteMore info
Westpac Lite Card
Westpac Lite Card image
Purchase rate p.a.
9.9%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$108
Save with 0% foreign transaction fees, a low interest rate on purchases and cashback offers through Westpac Extras.
Go to siteMore info
ANZ Rewards Platinum
ANZ Rewards Program
ANZ Rewards Platinum image
Purchase rate p.a.
20.99%
Bonus points
100,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$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 siteMore info
American Express Business Gold Plus Card
Membership Rewards Ascent
American Express Business Gold Plus Card image
Purchase rate p.a.
0%
Bonus points
100,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$395
ABN holders w/ $75,000 revenue. New American Express card members can get 100,000 Membership Rewards Bonus Points when you spend $5,000 within the first 3 months. Plus, earn up to 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell. T&Cs apply.
Go to siteMore info
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Start comparing

What is Google Pay?

Google Pay is a payment service from Google that lets you make purchases straight from your phone (or another compatible device) without having to pull out your actual wallet or a card.

If you already use a credit card and want to add it to Google Pay, you can check if your provider is supported using the table below.

Which credit cards support Google Pay?

The table and list below outlines the major participating banks and financial institutions.

Banks
Supported Cards
Unsupported Cards
ubank
ubank Visa Debit Card
None
AMEX
Consumer, small business and corporate Cards issued by American Express
Prepaid cards
ANZ
Check the list of supported cards, ANZ Plus Visa Debit card, Visa Credit card, ANZ Signature Cards
ANZ Prepaid cards
Australian Military Bank Ltd
Visa Cards
None
Australian Mutual Bank Ltd
Visa Cards
None
Australian Unity Bank Limited
Visa Cards
None
Bank of Melbourne
All personal credit cards
Corporate & Purchasing cards, Travel money cards, Personal Visa debit cards, All other Business cards
Bank of Queensland Limited
Visa Debit and Credit
None
BankSA
All personal credit cards
Corporate & Purchasing cards, Travel money cards, Personal Visa debit cards, All other Business cards
Bankwest
Mastercard credit and debit cards
Visa cards and eftpos debit cards
Bendigo Bank
Most personal credit cards
Rural Bank Visa Debit Card, Adelaide Bank Visa Credit Card, Single-branded eftpos cards (i.e. not Visa co-branded)
Central Murray Bank
Visa cards
None
Coastline Credit Union Limited
Visa cards
None
Commonwealth Bank of Australia
All cards
None
Dnister Ukranian Credit Co-Operative Limited
Visa Debit
None
Ebonex Australia Pty Ltd
Mastercard Prepaid
None
Fly Wallet Pty Ltd
Mastercard Prepaid
None
Foris GFS Australia Pty Ltd
Visa Prepaid
None
Gateway Bank Ltd
Visa Debit Cards
None
G&C Mutual Bank
Visa Debit Card and Visa Credit Card
None
Greater Bank Limited
Visa Debit and Credit Cards
None
Hay Limited
Visa Prepaid and Debit
None
Heritage and People's Choice Limited
Heritage Bank Visa Debit Cards, Heritage Bank Visa Credit Cards, Heritage Bank Mastercard Prepaid Cards
None
HSBC
HSBC Classic Credit Card (Visa), HSBC Platinum Credit Card (Visa), HSBC Platinum Qantas Card (Visa), HSBC Premier (Mastercard), HSBC Premier Qantas (Mastercard), Visa debit card, Premier Visa debit card, MasterCard Credit card, HSBC Corporate Cards
None
iGoDirect Group Pty Ltd
Visa Prepaid
None
ING Direct
Orange Everyday, Visa Credit and Debit
None
Klarna
In-store Digital Card
None
Macquarie Bank
Macquarie Debit MasterCards, Macquarie Visa Credit Cards
None
Mesh AU Pty Limited
Visa Debit
None
NAB
All NAB credit cards except for commercial purchasing, prepaid and travel cards
NAB Commercial Purchasing cards, NAB Prepaid and Travel cards
Newcastle Greater Mutual Group
Visa cards
None
Nium Pty Limited
Visa cards
None
Novatti
Visa Pre-Paid Card
None
Qantas Pay
Mastercard Prepaid
None
Railways Credit Union Limited
Visa cards
None
Regional Australia Bank Ltd
Visa cards
None
St. George
All personal credit cards
Corporate & Purchasing cards, Travel money cards, Personal Visa debit cards, All other Business cards
Up Money
Up Debit Mastercard
None
Westpac
All personal credit cards except the No Annual Fee Mastercard
No Annual Fee Mastercard, GM Holden Mastercard, AMEX, Corporate & Purchasing Cards, Global Currency Card, Gift Cards, Handycards and all other Business cards
Warwick Credit Union Ltd
Visa Cards
None
Wise
All Cards
None
Suncorp Bank
Personal Visa Debit Card, Business Visa Debit Card
Clear Options Credit Cards, EFTPOS only cards
Broken Hill Bank
Visa Cards
None
Zip.co
Zip Card, Visa Credit card
Zip single-use card

This list is up-to-date as of April 2025

How does Google Pay work?

Google Pay uses the NFC (Near Field Communication) chips found in many Android smartphones to allow cardholders to make payments directly from their phone. Instead of getting out your wallet and credit card, you simply unlock your phone and tap it on contactless terminals.

If your card is connected to a loyalty program, any eligible purchases you make with Google Pay will automatically earn points for your rewards account.

Using Google Pay is essentially the same as using your physical bank card: anywhere you can tap and pay on a retailer's terminal, you can use your phone to make the purchase.

Google Pay for online shopping

You can also use Google Pay to make payments online. When you go through checkout, you will see Google Pay as an option if it is available. You can use your fingerprint or passcode to approve the transaction.

Graham Cooke's headshot
Our expert says

"Once I started using Google Pay I left my wallet at home and never took it out again. The convenience of using your phone to pay for everything is amazing and I wouldn't even consider a credit card nowadays if it didn't work with Google Pay."

Head of Consumer Research

Is Google Pay safe to use?

Google Pay uses the same technology as contactless credit cards and is just as secure at the checkout.

In fact, Google Pay could be considered more secure as it doesn’t send your credit or debit card number with your payment. Instead, it uses an encrypted virtual account number to represent your account details.

This means that your card details aren’t stored on your phone or on the Google Pay app. If you do suspect any suspicious activity on your account, you can also use the Google Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity.

If your card is lost or stolen, you can also use Android Device Manager to instantly lock your phone from anywhere, secure it with a new password or wipe it clean of your personal information.
Richard Whitten's headshot
Our expert says: Why I always have a physical card on hand

"99% of the time Google Pay works just fine. But in November 2023 there was a nationwide Optus network outage. I was with Optus at the time but I always carry my actual credit card on me so I was fine. Friends who went 100% digital with their card were caught cashless! It's a rare scenario but it can happen."

Money Editor

How much does it cost to use Google Pay?

The good news is that there is no cost to using Google Pay! The app is free to download and you can add multiple debit or credit cards at no cost.

It's the same as a regular transaction with a physical card, where the cost is covered by the retailer, brand, business or trader that you're purchasing from.

How to add a credit or debit card to Google Pay

  1. Open the Google Pay app
  2. At the bottom right, tap Add and then Payment method
  3. Use the camera to upload your card details or type them in manually
  4. If you're asked to verify your payment method, choose an option from the list and then enter the verification code
  5. Next to your new card, you may also need to select Enable contactless

How to remove a credit or debit card from Google Pay

  1. Open the Google Pay app
  2. At the top left, click Menu Menu and then choose Payment methods
  3. Select the card(s) you want to remove
  4. At the top right, tap More More and then Remove payment method

What if my credit card is not supported by Google Pay?

If you have a credit card that's not currently compatible with Google Pay, you won't be able to add it as a payment method in the app. But depending on your card and phone, you may be able to make mobile payments through another app.

Does Coles accept Google Pay?

Yes, Coles accepts Google Pay with a Coles credit card. You can also use Google Pay when shopping at Coles.

Richard Whitten's headshot
Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 609 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
Rebecca Pike's headshot
Co-written by

Senior Money Writer

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 225 Finder guides across topics including:
  • Home loans
  • Cost of living
  • Budgeting
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