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.

Promoted

St.George Vertigo Card

0% p.a. for 28 months on balance transfers (with a one-time 1% balance transfer fee). $55 annual fee.

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Compare credit cards with Apple Pay

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Name	Product	Balance transfer rate p.a.	Purchase rate p.a.	Bonus points	Annual fee	Amount Saved
Qantas Premier Platinum		0% for 12 months with 2% balance transfer fee, then 21.99%	19.99%	100,000	$349 first year ($399 after)	Amount saved $578.32 over 12 months	Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.	Go to siteMore Info Compare	loading Fetching your data...
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Finder Award		0% for 24 months, then 20.99%	20.74%	N/A	$0 first year ($149 after)	Amount saved $1,413.89 over 24 months	Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.	Go to siteMore Info Compare	loading Fetching your data...
ANZ Low Rate - Credit Back Offer		21.99%	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 siteMore Info Compare	loading Fetching your data...
Westpac Low Rate Card - Cashback Offer			13.74%	N/A	$59		A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.	Go to siteMore Info Compare	loading Fetching your data...
St.George Vertigo Card		0% for 28 months with 1% balance transfer fee, then 21.49%	13.99%	N/A	$55	Amount saved $1,780.59 over 28 months	Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).	Go to siteMore Info Compare	loading Fetching your data...
Westpac Low Rate Card		0% for 28 months with 2% balance transfer fee, then 21.99%	13.74%	N/A	$59	Amount saved $1,768.59 over 28 months	Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.	Go to siteMore Info Compare	loading Fetching your data...
Coles No Annual Fee Mastercard		20.74%	0% for 6 months, then 20.74%	N/A	$0		Save with an ongoing $0 annual fee and 0% interest on purchases for the first 6 months.	Go to siteMore Info Compare	loading Fetching your data...
ANZ Platinum Credit Card		21.99%	20.99%	N/A	$0 first year ($87 after)		Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.	Go to siteMore Info Compare	loading Fetching your data...
NAB Low Rate Credit Card		0% for 28 months with 2% balance transfer fee, then 21.74%	13.49%	N/A	$0 first year ($59 after)	Amount saved $1,768.59 over 28 months	Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.	Go to siteMore Info Compare	loading Fetching your data...
Qantas Premier Everyday		0% for 12 months with 2% balance transfer fee, then 21.99%	19.99%	8,000	$99	Amount saved $828.32 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 siteMore Info Compare	loading Fetching your data...
Citi Premier Card - Cashback Offer		0% for 6 months, then 22.24%	21.49%	N/A	$300	Amount saved $183.02 over 6 months	Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 3 months.	More Info Compare	loading Fetching your data...
ANZ Qantas Business Rewards			20.24%	130,000	$375		ABN holders w/ $75k revenue. Get 130,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a fast-track to Qantas Business Rewards Level 2.	Go to siteMore Info Compare	loading Fetching your data...
Qantas American Express Ultimate Card			23.99%	90,000	$450		Get a yearly $450 Travel Credit and up to 90,000 bonus Qantas Points (70,000 when you spend $3,000 in the first 3 months and 20,000 points in year 2).	Go to siteMore Info Compare	loading Fetching your data...
Virgin Money Anytime Rewards Credit Card		0% for 12 months, then 20.99%	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 siteMore Info Compare	loading Fetching your data...
American Express Platinum Edge Credit Card			23.99%	N/A	$0 first year ($195 after)		Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year.	Go to siteMore Info 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.

Written by

Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist who has reported on technology, travel, finance and other topics for over 30 years. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows. See full profile

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