Compare Apple Pay credit cards

Average annual fee is $300

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Bonus points
Earn rate
Annual fee
Estimated Qantas Points
  • Enjoy up to five complimentary insurances 

  • NAB Concierge Service 

Bonus points
Up to 120,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$295 1st year fee $395 p.a thereafter
192,000 PTS
Over based on
$200 BACK TO YOUR NEW CARD*
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Club Lounge Invitations per year 

Bonus points
Up to 130,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$425
202,000 PTS
Over based on
$450 Qantas Travel Credit^ 
  • Complimentary Travel Insurance 

  • Up to 4 Additional Cardholders for no extra fee 

Bonus points
Up to 90,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
180,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
Up to 120,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295 + $75 p.a if you opt in to earn Qantas Points
174,000 PTS
Over based on
  • Uncapped Qantas Points earning potential

  • Two complimentary lounge visits 

Bonus points
N/A
Earn rate
Up to 1.2 PTS per $1 spent
Annual fee
$35 monthly fee + $60 p.a. Qantas Points opt in fee
36,000 PTS
Over based on
  • Complimentary Travel Insurance 

  • Two complimentary airport lounge visits 

Bonus points
Up to 100,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$350 1st year fee
136,000 PTS
Over based on
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Lounge Invitations per year 

Bonus points
Up to 100,000 PTS Incl. 30,000 points for first-time cardholders
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$349 1st year fee $399 p.a thereafter
172,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
144,000 PTS
Over based on
  • Complimentary International Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
Up to 0.66 PTS per $1 spent
Annual fee
$150 1st year fee $250 p.a thereafter
117,520 PTS
Over based on
  • Complimentary Travel Insurance 

Bonus points
Up to 80,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $175 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
116,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
144,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
144,000 PTS
Over based on
$100 BACK TO YOUR NEW CARD*
  • Uncapped Qantas Points earning potential 

  • Complimentary Travel Insurance 

Bonus points
75,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$295
129,000 PTS
Over based on
  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
106,000 PTS
Over based on
  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
106,000 PTS
Over based on
  • Up to 4 Additional Cardholders for no extra fee 

  • Uncapped Qantas Points earning potential

Bonus points
N/A
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$0
54,000 PTS
Over based on
  • 0% p.a. Balance Transfer for 12 months 

  • Additional cardholders for no extra fee  

Bonus points
N/A
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$0 1st year fee $299 thereafter
90,000 PTS
Over based on
  • Uncapped Qantas Points earning potential 

  • 0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee 

Bonus points
Up to 8,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$99
62,000 PTS
Over based on
  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
106,000 PTS
Over based on
$400 Holidays Voucher+
  • 20% bonus Status Credits on Qantas flights 

  • 10% discounted base fare for Qantas flights 

Bonus points
150,000 PTS
Earn rate
Up to  2 PTS per $1 spent
Annual fee
$1,200
240,000 PTS
Over based on
  • Complimentary insurances 

  • No fee for additional cardholders

Bonus points
N/A
Earn rate
0.6 PTS per $1 spent
Annual fee
$149
43,200 PTS
Over based on
  • Uncapped Qantas Points earning potential

  • Access to International Travel Insurance 

Bonus points
Up to 30,000 PTS
Earn rate
Up to 0.8 PTS per $1 spent
Annual fee
$19 monthly fee + $60 p.a. Qantas Points opt in fee
62,400 PTS
Over based on
  • No international transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
Up to 50,000 PTS
Earn rate
Up to 0.6 PTS per $1 spent
Annual fee
$160
89,600 PTS
Over based on
  • Complimentary Travel Insurance 

  • Only for Medical, Dental, Veterinary & Accounting specialists

Bonus points
N/A
Earn rate
Up to 1 PT per $1 spent
Annual fee
$150
36,000 PTS
Over based on
  • Up to 55 days interest free period 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$199
66,000 PTS
Over based on
  • No international transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$270
72,000 PTS
Over based on
  • Complimentary Travel Insurance 

  • Only for Medical, Dental, Veterinary & Accounting specialists

Bonus points
20,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$400
92,000 PTS
Over based on
  • 4th Night on Us 

  • Unlimited airport lounge access with Priority Pass™ 

Bonus points
100,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$749
46,080 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year  

  • Complimentary Travel Insurance 

Bonus points
20,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$249
92,000 PTS
Over based on
  • Complimentary Travel Insurance 

Bonus points
40,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$129 +$49 p.a. if you opt in to earn Qantas Points
76,000 PTS
Over based on
  • Uncapped Qantas Points earning potential  

  • Qantas Business Rewards Level 2 Advance 

Bonus points
130,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$300 + $75 p.a. per card rewards fee
184,000 PTS
Over based on
  • Up to 51 days to pay for purchases 

  • 2 Domestic Qantas Club Lounge Invitations 

Bonus points
170,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
260,000 PTS
Over based on
  • Up to 55 days interest free period 

  • A range of complimentary insurances 

Bonus points
25,000 PTS
Earn rate
Up to 0.6 PTS per $1 spent
Annual fee
$89
68,200 PTS
Over based on
  • Eligible government payments earn 0.66 PTS per $1 spent 

  • Up to 44 days interest free period 

Bonus points
150,000 PTS
Earn rate
0.66 PTS per $1 spent
Annual fee
$295
197,520 PTS
Over based on
  • Access to International Travel Insurance 

  • Extra control with Lock, Block, Limit 

Bonus points
N/A
Earn rate
0.4 PTS per $1 spent
Annual fee
$300+ $30 p.a if you opt in to earn Qantas Points
28,800 PTS
Over based on
  • Extra control with Lock, Block, Limit 

Bonus points
N/A
Earn rate
0.4 PTS per $1 spent
Annual fee
$100+ $30 p.a if you opt in to earn Qantas Points
28,800 PTS
Over based on
  • Up to 99 additional cardholders

  • Qantas Business Rewards membership 

Bonus points
50,000 PTS
Earn rate
Up to 0.5 PTS per $1 spent
Annual fee
$150
86,000 PTS
Over based on

Find an Apple Pay credit card that best suits your needs

Apple's digital payment system, Apple Pay, is one of the easiest ways to pay in person or online. Apple Pay digitises a user's credit card at contactless-capable point-of-sale terminals.

What is Apple pay?

What is Apple pay?

Apple Pay is Apple's digital payment system, similar to competitors Google Pay and Samsung Pay, which allows users to make payments in person, in iOS apps and online through the Safari web browser. Apple Pay can be set up through the Apple Wallet app on your Apple device.

It allows the user to upload their credit or debit cards, loyalty and rewards cards or gift cards to a central digital wallet, in this case the Apple Wallet app. This allows the user the freedom not to take their physical cards or wallet with them. You can even upload your boarding pass or theatre tickets. Apple Pay works with any merchant's contactless point of sale system, though it is safer than using such a system with a standard physical card, as Apple Pay includes additional levels of security. Free to use, Apple Pay makes paying in person and online easier than ever before. Apple Pay compatible credit cards are accepted throughout the world.

Is Apple Pay safe to use?

Is Apple Pay safe to use?

Apple Pay is one of the most secure mobile payment platforms available. Payment card details such as your pin and CVC/CVV number are not stored on the device, and every payment requires a scan of your iris, fingerprint or PIN for authentication before the payment process proceeds. It is worth mentioning that as well as internal app security, any financial transactions should be protected by your bank's fraud policy.

When your card is added to the Apple Wallet on your device, a unique Device Account Number (DAN) replaces the information on your card. It will not work if compromised in any way, and cannot be used outside the device to which it is assigned. Should you need to find the Device Account Number, it can be found in the Wallet app.

 How does it work?

How does it work?

The Device Account number works in conjunction with a unique transaction code that allows you to make secure purchases in-store and online. When you pay with an eligible debit or credit card, Apple Pay doesn't keep transaction information that can be tied to the user nor does it share personal details with the merchant. Depending on the device you are using, every Apple Pay transaction has to be authorised by either your fingerprint, face ID or passcode, so even if you lose your device, nobody will be able to use it to pay for anything without the passcode to the phone or device itself.

How do I decide which Apple Pay compatible credit card that earns Qantas Points is right for me?

To decide which credit card is right for you, please review our credit card range and decide which card best suits your personal needs. To make an informed choice, simply read the information available on the benefits of each card, while also taking into account your own financial situation and needs.

Apple Pay features

The main features of Apple Pay are Credit and Debit card transactions, in-store payments, gift and membership card transactions, visa checkout, online payments, fingerprint authentication and iris scan authorisation.

How do I apply for an Apple Pay compatible credit card that earns Qantas Points?

It's easier than you think - simply click 'Apply' on the credit card of your choice, complete the card partner's application form, wait for approval by the relevant card partner, and you'll be enjoying the convenience of Apple Pay before you know it.

What else should I know?

Regardless of which Apple Pay credit card that earns Qantas Points you choose, it is important that you read the terms and conditions of any product fully to understand your obligations.

What you need to know

You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

The credit card products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant credit licensees. The information about the credit products has been provided by the relevant credit licensees and not Qantas. Qantas does not hold an Australian Credit Licence and is not a licensee in relation to the credit activity being engaged in by the relevant credit licensees.

The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept liability for any loss arising from the use of, or reliance, on the information provided on this webpage.

Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.

^Estimated points calculations:

- Are based on a fixed monthly spend each month for the period specified and will include the relevant card’s sign on bonus points, provided the monthly spend amount meets the minimum spend criteria.

- Where 2nd year bonus points are offered and the specified time period selected is 2 years or more, these points will be included.

- Include points capping and points tiers, if applicable.

- Assume 100% of spend is categorised as eligible everyday domestic spend. Check the relevant T&Cs to determine what spend qualifies for points earning. For some products, international spend, government spend and spend on Qantas products and services may result in additional points, or fewer points, being awarded. Where applicable, eligible domestic spend is split into 4 categories:
  • Major Restaurants, Cafes and Hotels (6%),
  • Major Petrol outlets, Supermarkets and National retailers (16%)
  • Utilities (3%)
  • All other spend (75%)

- Do not factor in bonus points available for first-time Qantas Points earning credit cardholders (excludes the Qantas Money Premier Platinum credit card where these bonus points are always available).

- Do not include bonus points on balance transfers.

This tool has been prepared by Qantas and not the associated financial institution. Amounts are estimations only, to be used as a guide, and are not a guarantee of points you will earn. Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card.