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 Credit Union
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 was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full bio
Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products. See full bio
Rebecca's expertise
Rebecca has written 197 Finder guides across topics including:
Compare credit cards that give you an outcome within 60 seconds of when you submit your application online and find out how to increase your chances of getting this type of "instant" credit card approval.
Compare the best Qantas frequent flyer credit cards based on bonus point offers, points per $1 spent, rates, fees and other features so you can find a card that works for you.
When you apply for a credit card online, you could receive a response within 60 seconds. Find out how you to find a card that you're eligible for and increase your chances of approval.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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