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Credit cards with Google Pay

Compare credit cards with Google Pay and discover the convenience of paying with secure and contactless mobile payments at the checkout.

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. In addition, Google Pay can be used with select Visa credit cards from participating financial institutions, including ANZ and BNZ.

If you already use a credit card and want to add it to Google Pay, you can check if your credit card 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.

Compare credit cards with Google Pay

Name Product Purchase Rate Annual fee Balance Transfer Rate
AIRPOINTS
ANZ Airpoints Visa Credit Card
19.95% p.a.
$65
N/A
Earn 1 Airpoints Dollar for every $130 you spend on your card.
AIRPOINTS
ANZ Airpoints Visa Platinum Credit Card
19.95% p.a.
$150
N/A
Earn 1 Airpoints Dollar for every $85 you spend. You'll also earn 1 Air New Zealand Status Point with every $250 spent.
LOW RATE
ANZ Low Rate Visa Credit Card
12.9% p.a.
$0
1.99% p.a.
Balance transfer offer: Pay 1.99% p.a on balances transferred for the first two years. Ts&Cs apply.
ANZ CashBack Visa Credit Card
19.95% p.a.
$60
N/A
ANZ CashBack Visa Platinum Credit Card
19.95% p.a.
$80
N/A
ASB Visa Business Credit Card
20.95% p.a.
$30
N/A
ASB Visa Rewards Credit Card
20.95% p.a.
$40
0% p.a. for 6 months
ASB Visa Platinum Rewards Credit Card
19.95% p.a.
$80
0% p.a. for 6 months
Earn 1 True Rewards dollar for every $100 spent. True Rewards dollars can be redeemed at partner stores like BP, Farmers and Mitre 10.
ASB Visa Light
13.5% p.a.
$0
0% p.a. for 6 months
0% p.a. interest for 6 months on any purchase of $1,000 or more with ASB Smart Rate.
BNZ Lite Visa
12.9% p.a.
$30
N/A
BNZ Advantage Visa Platinum Credit Card
18.95% p.a.
$90
N/A
1 Flybuys point for each $15 you spend or $1 in cash rewards for each $90 of eligible spend.
BNZ Advantage Classic Credit Card
20.95% p.a.
$40
N/A
Get 1 Flybuys point for every $40 of eligible spend or $1 cash reward for every $150 of eligible spend.

BNZ Advantage Visa Business Credit Card
18.95% p.a.
$100
N/A
1 Flybuys point for each $15 you spend or $1 in cash rewards for each $75.
Gem Visa
25.99% p.a.
$52
N/A
6 months interest free on all Visa purchases $250 and over, plus get long-term interest-free deals at retailers nationwide including Apple, Noel Leeming, Mitre 10 and many more.
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Compare up to 4 providers

How does Google Pay work?

Google Pay uses the Near Field Communication (NFC) 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 unlock your phone and tap it on contactless terminals. If your card is connected to a rewards programme, any eligible purchases you make with Google Pay automatically earn points for your account. You can also use Google Pay to make payments online. Google Pay currently works with specific contactless Visa credit and debit cards. However, Google is also looking to integrate Google Pay with EFTPOS, which could broaden the type of accounts you could use with Google Pay.

Picture not described: GooglePay_Finder_200x100.jpg Image: Getty

Is Google Pay safe to use?

Google Pay uses the same technology as contactless credit cards and is just as secure at the checkout. However, 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, which means your card details aren’t stored on your phone or the Google Pay app.

If you suspect any suspicious activity on your account, you can use the Google Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity. In addition, if your phone is lost or stolen, you can use the 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 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, 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 MenuMenu and then choose Payment methods
  3. Select the card(s) you want to remove
  4. At the top right, tap MoreMore and then Remove payment method
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