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

0.99% p.a. for 28 months on balance transfers (with no balance transfer fee). $55 annual fee.

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Compare credit cards with Apple Pay

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Name	Product AUCCF	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%	Purchase rate p.a. 19.99%	100,000	Annual fee $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...
ANZ Low Rate - Credit Back Offer		21.99%	Purchase rate p.a. 13.74%	N/A	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 Compare	loading Fetching your data...
Westpac Low Rate Card - Cashback Offer			Purchase rate p.a. 13.74%	N/A	Annual fee $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		0.99% for 28 months, then 21.99%	Purchase rate p.a. 13.99%	N/A	Annual fee $55	Amount saved $1,700.06 over 28 months	Get a 0.99% p.a. interest rate on balance transfers for 28 months (with no balance transfer fee).	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%	Purchase rate p.a. 13.49%	N/A	Annual fee $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...
Westpac Low Rate Card		0% for 26 months with 2% balance transfer fee, then 21.99%	Purchase rate p.a. 13.74%	N/A	Annual fee $59	Amount saved $1,653.37 over 26 months	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.	Go to siteMore Info Compare	loading Fetching your data...
Coles No Annual Fee Mastercard		0% for 9 months with 1.5% balance transfer fee, then 20.74%	Purchase rate p.a. 20.74%	N/A	Annual fee $0	Amount saved $709.81 over 9 months	Save with an ongoing $0 annual fee and 0% interest on balance transfers for the first 9 months (with a one-time 1.5% BT 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%	Purchase rate p.a. 19.99%	8,000	Annual fee $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...
ANZ Qantas Business Rewards			Purchase rate p.a. 20.24%	130,000	Annual fee $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...
American Express Explorer Credit Card			Purchase rate p.a. 23.99%	50,000	Annual fee $395		Get 50,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.	Go to siteMore Info Compare	loading Fetching your data...
Qantas American Express Ultimate Card			Purchase rate p.a. 23.99%	50,000	Annual fee $450		Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months.	Go to siteMore Info Compare	loading Fetching your data...
American Express Qantas Business Rewards Card			Purchase rate p.a. 0%	130,000	Annual fee $450		(ABN holders w/ $75k revenue). Earn 130,000 bonus Qantas Points when you spend $3,000 in the first 2 months.	Go to siteMore Info Compare	loading Fetching your data...
American Express Velocity Business Card			Purchase rate p.a. 0%	150,000	Annual fee $249		ABN holders w/ $75,000 revenue. Get 150,000 bonus Velocity Points when you spend $5,000 in the first 2 months. Plus, a $250 Virgin Australia Business Flyer Travel Bank credit.	Go to siteMore Info Compare	loading Fetching your data...
NAB Rewards Platinum Card		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 20.99%	100,000	Annual fee $45 first year ($195 after)	Amount saved $882.32 over 12 months	Go to siteMore Info Compare	loading Fetching your data...
American Express Essential Rewards Credit Card			Purchase rate p.a. 23.99%	80,000	Annual fee $108		Offers up to 80,000 bonus Membership Rewards Points (20,000 points each month when you spend at least $1,000 on eligible purchases within the first 120 days). Ends 15 October 2024.	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

Editor-at-large

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 bio

Angus's expertise

Angus has written 200 Finder guides across topics including:

• Frequent flyer
• Travel
• Technology
• Broadband

Co-written by

Amy Bradney-George

Editor

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 bio

Amy's expertise

Amy has written 579 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability