Google Pay: Credit cards supported in Australia

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Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Qantas Premier Platinum Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 55 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 site More Info Compare	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.
St.George Vertigo Card	Purchase rate p.a. 13.99%	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 28 months with 1% balance transfer fee, then 21.49%	Annual fee $55	Go to site More Info Compare	Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
Westpac Low Rate Card	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 28 months with 2% balance transfer fee, then 21.99%	Annual fee $59	Go to site More Info Compare	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.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 90,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $450	Go to site More Info Compare	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).
Westpac Low Rate Card - Cashback Offer	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 site More Info Compare	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.
American Express Platinum Edge Credit Card Membership Rewards	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($195 after)	Go to site More Info Compare	Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year.
American Express Qantas Business Rewards Card Qantas Business Rewards	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 $450	Go to site More Info Compare	(ABN holders w/ $75k revenue). Earn 150,000 bonus Qantas Points and a $200 credit when you spend $6,000 in the first 3 months.
ANZ Low Rate - Credit Back Offer	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 site More Info Compare	Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
American Express Velocity Platinum Card Velocity Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 60,000	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $375	Go to site More Info Compare	Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
ANZ Platinum Credit Card	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%	Annual fee $0 first year ($87 after)	Go to site More Info Compare	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.
Virgin Money Anytime Rewards Credit Card 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, then 20.99%	Annual fee $149	Go to site More Info Compare	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 Card Velocity Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 0.75	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0	Go to site More Info Compare	Save with a $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
Qantas American Express Discovery Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 0.75	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0	Go to site More Info Compare	Earn uncapped Qantas Points for every $1 dollar spent, plus a $0 annual fee.
American Express Velocity Business Card Velocity Frequent Flyer	Purchase rate p.a. 0%	Bonus points 100,000	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 site More Info Compare	ABN holders w/ $75,000 revenue. Get 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.
Qantas Premier Titanium Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 150,000	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 6 months, then 21.99%	Annual fee $1,200	Go to site More Info Compare	Get 150k bonus Qantas Points and $400 Qantas Luxury Holidays voucher when you spend $5k in the first 3 months. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.

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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 Pay		Not 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

AMP Bank
Archa
Australian Military Bank
Australian Mutual Bank
Australian Unity
Auswide Bank
AWA Alliance Bank
Bank First
Bank of Heritage Isle
Bank of Sydney
Bank of us
BankVic
BankWAW
BCU
BOQ Specialist Bank
Central West Credit Union Limited
Coastline Credit Union
Community First Bank
Credit Union Australia Ltd.
Credit Union SA
Defence Bank
Easy Street
EML Payment Solution Ltd.
Firefighters Mutual Bank
First Option Bank
G&C Mutual Bank
Geelong Bank
Goldfields Money
Goulburn Murray Credit Union
Great Southern Bank
Greater Bank
Health Professionals Bank
Heritage Bank
Horizon Bank
Hume Bank
humm
Illawarra Credit Union
IMB Bank
ING
Laboratories Credit Union Limited
Latitude Financial Services
Macquarie Bank
ME Bank
Move Bank
Mystate Bank Limited
Newcastle Permanent
Northern Inland Credit Union
Orange Credit Union
P&N Bank
People's Choice Credit Union
Police Bank
Police Credit Union
QBank
Qpay
Qudos Bank
Queensland Country Bank
RACQ
Regional Australia Bank
Reliance Bank
South West Slopes Credit Union
Southern Cross Credit Union
Southern Cross Credit Union
Sydney Credit Union Ltd.
Teachers Mutual Bank
The Broken Hill Community Credit Union Ltd
The Mutual Bank
UBank
UniBank
Unity Bank
Up Money
Volopay
Warwick Credit Union Ltd.
Weel
WizitMoney
Woolworths
Woolworths Team Bank

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

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

How to remove a credit or debit card from Google Pay

Open the Google Pay app
At the top left, click Menu and then choose Payment methods
Select the card(s) you want to remove
At the top right, tap 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.

Thank you for your feedback!

Written by

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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Credit cards with Google Pay