Credit cards with Google Pay

Want to make credit card payments straight from your mobile? Here's how it works with Google Pay.

1 - 15 of 209
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Qantas Premier Platinum
Qantas Premier Platinum image
Qantas Frequent Flyer
Purchase rate p.a.
20.99%
Bonus points
80,000
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
Annual fee
$349 first year ($399 after)
Go to siteMore Info
Limited time offer: Earn up to 80,000 bonus Qantas Points and a $100 Qantas Hotels and Holidays voucher on eligible spend. Plus, save with a reduced first-year annual fee and 0% balance transfer offer. Ends 28 February 2025.
Westpac Low Rate Card
Westpac Low Rate Card 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.
0% for 26 months with 2% balance transfer fee, then 21.99%
Annual fee
$59
Go to siteMore Info
Save with a 0% p.a. interest rate on balance transfers for 26 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
American Express Explorer Credit Card
American Express Explorer Credit Card image
Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
100,000
Points per $ spent
2
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$395
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Limited time offer: Get 100,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card image
Finder Award
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
100,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
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Limited time offer: Get a yearly $450 Travel Credit and 100,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months.
Westpac Low Rate Card - Cashback Offer
Westpac Low Rate Card - Cashback 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.
N/A
Annual fee
$59
Go to siteMore Info
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.
Coles No Annual Fee Mastercard
Coles No Annual Fee Mastercard image
Flybuys
Purchase rate p.a.
20.74%
Bonus points
10,000
Points per $ spent
0.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
Go to siteMore Info
Get 10,000 bonus Flybuys points (worth $50 Flybuys dollars) when you spend $3,000 on eligible purchases in the first 3 months.
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
Go to siteMore Info
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
ANZ Platinum Credit Card
ANZ Platinum Credit Card image
Purchase rate p.a.
20.99%
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% with 3% balance transfer fee
Annual fee
$0 first year ($87 after)
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Get $100 back on your card when you spend $2,000 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
American Express Qantas Business Rewards Card
American Express Qantas Business Rewards Card image
Finder Award
Qantas Business Rewards
Purchase rate p.a.
0%
Bonus points
170,000
Points per $ spent
1.25
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Go to siteMore Info
Limited time offer: Earn 170,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. ABN holders w/ $75k revenue.
American Express Velocity Platinum Card
American Express Velocity Platinum Card image
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
100,000
Points per $ spent
1.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$440
Go to siteMore Info
Limited time offer: Enjoy 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus, up to 100 bonus Status Credits and up to 2.25 Velocity Points per $1 spent.
Virgin Money Anytime Rewards Credit Card
Virgin Money Anytime Rewards Credit Card image
Virgin Money Rewards
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
Go to siteMore Info
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.
American Express Velocity Escape Plus Card
American Express Velocity Escape Plus Card image
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
20,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$95
Go to siteMore Info
Get 20,000 bonus Velocity Points when you meet the spend requirement, receive $50 statement credit and earn up to 1.75 Velocity Points per $1 spent.
American Express Velocity Business Card
American Express Velocity Business Card image
Velocity Frequent Flyer
Purchase rate p.a.
0%
Bonus points
170,000
Points per $ spent
1
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$249
Go to siteMore Info
Limited time offer: New American Express card members can get 170,000 bonus Velocity Points when you spend $5,000 in the first 2 months. ABN holders w/ $75,000 revenue.
Qantas Premier Everyday
Qantas Premier Everyday image
Qantas Frequent Flyer
Purchase rate p.a.
20.99%
Bonus points
8,000
Points per $ spent
0.75
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
Annual fee
$99
Go to siteMore Info
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
American Express Platinum Card
American Express Platinum Card image
Membership Rewards
Purchase rate p.a.
0%
Bonus points
200,000
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
Go to siteMore Info
Limited time offer: Earn 200,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
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Showing 15 of 35 results
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. Google Pay can be used with selected Visa, Mastercard and American Express credit cards from participating financial institutions, including ANZ, American Express, CommBank, NAB and Westpac.

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. Plus, get details on how to add or remove payment details through your Google Pay account – and how your payments are protected.

Which banks support Google Pay?

Google Pay initially launched with 28 bank partners in Australia and has continued to add partners since then. The table and list below outlines the major participating banks and financial institutions. Please note that some of these banks allow Google Pay with certain cards but not others. This may mean they allow Google Pay with their debit cards, but not their credit cards.

Compatible with Google PayNot compatible with Google Pay
  • American Express
  • Coles
❌ Border Bank
  • ANZ
  • CommBank
❌ Central Murray Credit Union
  • Bank Australia
  • HSBC
❌ Family First Credit Union
  • Bank of Melbourne
  • Kogan Money
❌ Myer
  • BankSA
  • NAB
❌ The Mac
  • Bankwest
  • Qantas Money
  • Bendigo Bank
  • St.George
  • Beyond Bank
  • Suncorp
  • BOQ
  • Virgin Money
  • Citi
  • Westpac

This list is up-to-date as of August 2023

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

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.

Google Pay currently works with contactless Mastercard, Visa and American Express credit and debit cards as well as several banks that offer EFTPOS.

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.

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.

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. These features prevent anyone from using your phone for contactless payments.

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.

For example, while Coles Mastercard credit cards are not currently supported by Google Pay, they are supported by Samsung Pay or Apple Pay if you have a mobile device that works with either of those apps.

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Journalist

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

Amy's expertise
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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
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