Apple Pay Credit Card

Apple Pay is Apple's system for making purchases at any retailer that accepts contactless payments, which is now close to 80% of all retailers, or through in-app purchase. To use Apple Pay to make a purchase at the checkout you'll need to set your Apple device up with one off the credit cards which is apple pay ready, then simply hold your iPhone or Apple Watch up to the EFTPOS terminal, and use Touch ID, Apple's fingerprint tech, to confirm the purchase. To make an in app purchase using Apple Pay on your iPhone, iPad or Apple watch just follow the prompts to use Touch ID at the appropriate time during the checkout Apple Pay Logoprocess.

In order to use Apple Pay in Australia, you will need to be a credit card or debit cardholder of one of the credit issuers who support Apple Pay, these include ANZ, American Expres and many credit unions. The credit cards featured in the table below all support Apple Pay, once you have configured the credit card with your Apple device, which takes just a couple of minutes.

Thumb the essential credit card

Introductory offer: 0% p.a. Balance Transfer for 12 months

  • $0 p.a. annual card fee
  • Membership Rewards - Earn up to 1 Membership Rewards point for every $1 spent
  • Frequent Flyer Friendly - Transfer your points to a choice of 8 airline rewards partner programs
  • Smartphone Screen Insurance for up to $500 - when you pay for your phone or contract with your Essential Credit Card
  • Low Minimum Income for eligibilty - At just $40,000 p.a.
  • Enjoy a low interest rate - of 14.99% p.a. on purchases

Offer Conditions: This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders. A one-off credit plan establishment fee of 3% applies. The credit plan establishment fee attracts the standard interest rate. Balance transfer amounts are not eligible for interest-free days or Membership Rewards

Introductory offer: 0% p.a. Balance Transfer for 12 months

  • $0 p.a. annual card fee
  • Membership Rewards - Earn up to 1 Membership Rewards point for every $1 spent
  • Frequent Flyer Friendly - Transfer your points to a choice of 8 airline rewards partner programs
  • Smartphone Screen Insurance for up to $500 - when you pay for your phone or contract with your Essential Credit Card
  • Low Minimum Income for eligibilty - At just $40,000 p.a.
  • Enjoy a low interest rate - of 14.99% p.a. on purchases

Offer Conditions: This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders. A one-off credit plan establishment fee of 3% applies. The credit plan establishment fee attracts the standard interest rate. Balance transfer amounts are not eligible for interest-free days or Membership Rewards

Read the Full Card Review >>

Setting up Apple Pay on your iPhone, iPad or Apple Watch

Which devices can I use Apple Pay with?

The following Apple devices will facilitate Apple Pay with any of the Apple Pay Credit Cards:

  • iPhone: iPhone SE, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus (in store and within app purchases);
  • Apple Watch: When paired with iPhone 5 or later (in store purchases only);
  • iPad: iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 (within app purchases only).

 

Setting Apple Pay on your Apple Devices

Prior to commencing the Apple Pay set up you will need to make sure your device is running iOS 8.1 are newer, if you have an older version of iOS on your device update this to the latest version. In this new version you will notice that the Passbook App is now called Wallet, you are now ready to start the set up.

Wallet already stores your boarding passes, tickets and more. With Apple Pay, it can store your eligible credit cards, debit cards and charge cards too. To get started, you can add the credit or debit card from your iTunes account to Wallet simply by entering the card security code.

You can add more eligible cards on iPhone within the Wallet app. Just tap the plus sign and follow the onscreen instructions. On iPad, start by opening Settings, tap “Wallet & Apple Pay”, then tap “Add Credit or Debit Card”. For Apple Watch, open the Watch app on your iPhone, tap “Wallet & Apple Pay”, then tap “Add Credit or Debit Card”.

 

Making a payment with your iPhone

One touch to pay with Touch ID - You don’t need to open an app or even wake your display to make a payment, to pay, simply hold your iPhone near the contactless reader with your finger on Touch ID. Alternatively you can double-click the Home button when your iPhone is locked to access Wallet and quickly make your purchases. Your credit card or debit card number is never stored on your device - and when you pay, your debit or credit card numbers are never sent to merchants. Apple Pay assigns a unique number for each purchase, so your payments stay private and secure.

 

Making a payment with your Apple Watch

Double-click to pay and go - To pay with Apple Watch, just double-click the side button and hold the display of Apple Watch up to the contactless reader. A gentle tap and beep confirm that your payment information was sent.

 

Using Apple Pay for in-app purchases?

When you're ready to make a purchase, select the Apple Pay option, and authorize your purchase by placing your finger on the Touch ID button. Apple Pay functions much as it would with a transaction in store: your credit card details remain secure, and you're saved the hassle of punching in your personal details while you're on your iPhone or iPad.

 

How secure is Apple Pay?

Every time you hand over your credit or debit card to make a payment, your card number and identity are visible, and swiping your card triggers an exchange of information. With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone, iPad and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit and debit card numbers are never shared by Apple with merchants or transmitted with payment. And unlike credit cards, on iPhone and iPad every payment requires Touch ID or a passcode, and Apple Watch must be unlocked - so only you can make payments from your device.

 

How can I disable Apple Pay?

If your iPhone or iPad is ever lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely. You can also stop the ability to make payments from credit and debit cards on your iPhone, iPad or Apple Watch with iCloud.

 

Can I see my Apple Pay payment history on my device?

When you view your card in Wallet, you’ll see the last transaction for each credit card or debit card. You might also see the last 10 transactions for your cards. Just tap the card and tap. Depending on your card issuer, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your plastic card.

 

Where is Apple Pay accepted?

Apple Pay is accepted at any merchant with a contactless payment terminals and you can also use it to make payments within apps that have included this feature. You can use Apple Pay overseas too, but if you are travelling it is recommended that you don’t rely on the digital wallet technology entirely, also pack your plastic version of your credit or debit cards with you just in case.

 

Frequently Asked Questions

Why doesn't Apple Pay work with the iPhone 5S?

The problem is that the iPhone 5S does not have the SE chip, so it can't generate the code to transmit your credit or debit card number, even for in-app transactions. So, even though the iPhone 5S has one part of the Apple Pay process covered with Touch ID, it is missing the most important part: the security of the SE chip.

Do I need to be connected to the internet to use Apply Pay?

Just like when using a credit card, you don’t need your device to be connected to the internet to use Apple Pay. If you’re travelling with your iPhone and have data turned off, you can still use Apple Pay.

What happens when my card issuer sends me a new credit or debit card?

If you receive a new card, then there's a good chance that your credit card details, most likely, the expiration date, have changed. You'll need to update the pertinent information, and add the card to Apple Pay.

Will I still earn credit card reward points on my purchases?

Yes. While Apple Pay is anonymizing your credit card details with a unique account number, your credit-card issuer still handles the transaction, so they will still handle any rewards points allocation on your card spend.

Can I add more than one credit card to Apple Pay?

Yes, you can add up to eight credit cards to the Wallet app on each of your Apple devices.

How much does it cost to use Apple Pay?

No additional fee is charged by your credit card issuer or Apple for using Apple Pay via Apple’s pre-installed ‘Wallet’ app, it's essentially free to use.

Does Apple Pay work Overseas?

Apple Pay will work in all countries wherever Visa and American Express contactless payments are accepted. Though it's probably a good idea to take your credit card as a backup when travelling overseas.

Which Apple devices can I use Apple Pay with?

You can add your eligible credit card to the following Apple devices to facilitate payments with Apple Pay:

  • iPhone SE, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus (in store and within app purchases);
  • Apple Watch paired with iPhone 5 or later (in store purchases only);
  • iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 (within app purchases only).

You’ll need iOS 9 or later for iPhone and iPad, and watchOS 2 or later for the Apple Watch.

How does my iPhone / Apple Watch transmit payment details?

When making contactless payments with your iPhone or Apple Watch, simply activate the payment functionality, touch your device to the contactless reader and follow any prompts on the Point of Sale terminal.

The Device Account Number stored on your device will be transmitted directly to the contactless reader within this process, alongside a specially encrypted, dynamic code to authenticate the payment - it’s just like using a contactless credit card, but instead relies on NFC technology used on the iPhone 6 and Apple Watch.

Are contactless payments using Apple Pay, subject to the $100 Tap and Go limit?

No - Mobile payment services such as Apple Pay can be used for payments over the $100 tap and go threshold, with a growing number of Australian retailers supporting ‘high value’ mobile contactless payment - which involve you verifying yourself using Touch ID (for Apple Pay) or another verification method, such as a passcode entered on your device. These cardholder verification methods add an additional layer of security for peace of mind, and act in much the same way as when you use ‘Chip and PIN’ to secure payments made in store with your Visa card. High value mobile payments are also widely supported in a growing number of retailers accepting contactless payment across America and Europe.

Which banks offer Apple Pay Credit Cards?

The 1st banks to offer Apple Pay in Australia where ANZ and American Express, these where followed in November 2016 by 31 card issuers who are listed below:

The 31 card issuers who can now offer Apple Pay, following Cuscals partnership with Apple, signed in November 2016 are:

  • Bank Australia
  • Bank Sydney
  • Beyond Bank Australia
  • Big Sky Building Society (Australian Unity)
  • CAPE Credit Union
  • Central West Credit Union
  • Illawarra Credit Union (Catalyst Money)
  • Community First Credit Union (Northern Beaches Credit Union)
  • Credit Union Australia (CUA)
  • Credit Union SA
  • Defence Bank
  • Nexus Mutual
  • First Option Credit Union
  • Goldfield Money
  • Goulburn Murray Credit Union Co-Op
  • Holiday Coast Credit Union
  • Horizon Credit Union
  • Intech Credit Union
  • Laboratories Credit Union
  • My State Bank (The Rock)
  • Northern Inland Credit Union
  • People's Choice Credit Union
  • Police Bank (Customs Bank)
  • QT Mutual Bank
  • Select Encompass Credit Union
  • South West Slopes Credit Union
  • Sydney Credit Union
  • Teachers Mutual Bank (UniBank)
  • The Mac (Macarthur Credit Union)
  • Warwick Credit Union
  • Woolworths Employees' Credit Union