Apple Pay Launches in Australia for American Express Cardholders

Apple Pay has launched in Australia in partnership with American Express, expanding iPhone-based mobile payments to a fourth country following Canada earlier this week. The service can be used at Coles, Harvey Norman, Kmart, McDonald's, Starbucks, Woolworths and other select Australian stores that accept American Express and have NFC-equipped payment terminals.

Apple-pay-in-stores-amex
American Express cardholders can add credit cards in the Wallet app on iOS 9.1 by tapping the "Add Credit or Debit Card" option. Apple Pay currently only works with cards issued directly by American Express, and not bank-issued cards like the CommBank Awards American Express or Westpac Altitude Black American Express cards.

Apple says Australian customers will "soon" be able to add store credit cards and loyalty cards to Wallet, and use them to make purchases and redeem rewards with Apple Pay. Kohl's became the first U.S. retailer to offer store-branded cards in Apple Pay last month, while Walgreens launched the first stateside Apple Pay loyalty rewards program a few weeks ago.

American Express is not as popular or widely accepted as MasterCard or Visa in Australia, but the partnership could place pressure on negotiations between Apple and Australian banks like Commonwealth Bank, NAB and Westpac. No bank-issued debit and credit cards work with Apple Pay in Australia at this time.

Australia, like Canada and many European countries, has been well prepared for Apple Pay, as many retailers and businesses have the required contactless payments infrastructure in place. The country has also adopted Chip-and-PIN cards, and Apple Pay is a natural extension of that functionality.

Apple has slowly rolled out Apple Pay since announcing the service, starting with the U.S. in October 2014 and expanding to the U.K. last July. Beyond Australia and Canada, Apple is also partnering with American Express to bring Apple Pay to Spain, Singapore and Hong Kong next year.

Apple Pay recently gained support for Tesco Bank and TSB in the U.K. and over 90 new participating U.S. issuers. Yesterday, Apple confirmed that Apple Pay support is also coming to Domino's and Cinnabon in the U.S. by yearend and 2016 respectively. Starbucks, KFC and Chili's locations will adopt Apple Pay next year.

Apple's website has a new page with more details about Apple Pay in Australia.

Related Roundup: Apple Pay

Popular Stories

2024 iPhone Boxes Feature

Apple Changes Trade-In Values for iPhones, iPads, Macs, and More

Thursday January 16, 2025 6:45 am PST by
Apple today adjusted estimated trade-in values for select iPhone, iPad, Mac, and Apple Watch models in the U.S., according to its website. Some values increased, while others decreased. The changes were not too significant, with most values rising or dropping by $5 to $50. We have outlined some examples below: Device New Value Old Value iPhone 15 Pro Max Up to $630 U ...
iPhone 17 Slim Feature Single Camera 1 Redux

'iPhone 17 Air' Launching Later This Year With These 10 New Features

Wednesday January 15, 2025 7:16 am PST by
While the so-called "iPhone 17 Air" is not expected to launch until September, there are already plenty of rumors about the "ultra-thin" device. Overall, the "iPhone 17 Air" is shaping up to be a mixed bag. Due to its thinness, the device is expected to have some limited specifications compared to the iPhone 17 Pro models, including only a single rear camera, only a single speaker, no SIM...
Generic iOS 18

Everything New in iOS 18.3 Beta 3

Thursday January 16, 2025 12:39 pm PST by
Apple provided the third beta of iOS 18.3 to developers today, and while the betas have so far been light on new features, the third beta makes some major changes to Notification Summaries and also tweaks a few other features. Notification Summary Changes Apple made multiple changes to Notification Summaries in response to complaints about inaccurate summaries of news headlines. For...
new magsafe charger

Apple Releases Updated MagSafe Charger Firmware

Tuesday January 14, 2025 11:30 am PST by
Apple today released new firmware designed for the 25W MagSafe Charger that is compatible with the iPhone 12 and later and the latest AirPods and Apple Watch models. The updated firmware is version 2A143, up from the 2A138 firmware that the accessory shipped with. In the Settings app, you'll see a different version number than the internal firmware number. The 2024 MagSafe charger was...
iPhone 17 Pro Dual Tone Feature 1

iPhone 17 Pro Launching Later This Year With These 8 New Features

Thursday January 9, 2025 5:45 am PST by
While the iPhone 17 Pro and iPhone 17 Pro Max are not expected to launch until September, there are already plenty of rumors about the devices. iPhone 17 Pro concept based on rumors Below, we recap key changes rumored for the iPhone 17 Pro models as of January 2025: More aluminum: iPhone 17 Pro models are rumored to have an aluminum frame, whereas the iPhone 15 Pro and iPhone 16 Pro models ...
MacBook Air 15 Inch Feature Blue

MacBook Air Likely Apple's First Product Update of 2025: What to Expect

Wednesday January 15, 2025 8:49 am PST by
There is a good chance that Apple's first product announcement of 2025 will be updated 13-inch and 15-inch MacBook Air models with the M4 chip. Last month, Apple released macOS Sequoia 15.2, and in doing so it accidentally confirmed new MacBook Air models are coming this year (unsurprisingly). Bloomberg's Mark Gurman said the new MacBook Air models will be announced "earlier" than some...
Apple Card iPhone 16 Pro Feature

Three Companies Are Now in the Running to Take Over the Apple Card

Thursday January 16, 2025 8:18 am PST by
Apple is in talks with Barclays and Synchrony about becoming its new financial partner for the Apple Card, according to Reuters sources. The report today added that Apple has also been holding discussions with Chase Bank owner JPMorgan since last year, so there are at least three potential companies in the running to take over the Apple Card from current partner Goldman Sachs. Goldman...
Generic iOS 18

iOS 18.3 Coming Soon: Here's What's New

Monday January 13, 2025 5:33 am PST by
iOS 18.3 is currently in beta for developers and public beta testers. So far, the upcoming iPhone software update is very minor in scope. Below, we outline what is new in iOS 18.3 so far. The only potential new feature coming to iPhones with iOS 18.3 so far is robot vacuum support in the Home app, but this functionality is not yet live. Apple is laying the groundwork for the feature,...
apple power beats pro 2

Powerbeats Pro 2 Filed in Regulatory Databases Ahead of 2025 Launch

Wednesday January 15, 2025 6:02 am PST by
In September, Apple said that it would be launching Powerbeats Pro 2 in 2025, and now further evidence of the wireless earbuds has surfaced. Powerbeats Pro 2 images found in iOS 18 code Apple submitted Powerbeats Pro 2 regulatory documents to the U.S. Federal Communications Commission (FCC) in mid-December. The documents were made available to the public this week, and they were spotted by 91M...

Top Rated Comments

sladey Avatar
120 months ago
I'm confused by this sentiment. Last time I was in Australia about 50% of the stores that I saw had AmEx logos on their doors. Are they a particularly bad bank there or something?
Background to card payments in Australia...

CONTACTLESS PAYMENT: Has been up and running for 5 years already by simply tapping your credit/debit card on the reader at almost every retailer, or more recently your phone with NFC chip sticker on the back. Apple Pay is not a revolution in Australia, its a "who cares" moment. So instead of tapping your phone or card, you tap your phone or watch. Whoop-de-doo!!!

BANKS: there are four main banks in Australia who dominate banking. They take 82 cents per $100 card payment and they are unwilling to make a deal with Apple to hand over 15 cents when the contactless system that exists is in use everyday by nearly every Australian with a bank account. What's in it for the banks to do a deal with Apple? Nothing except a loss of profit.

AMEX: in Australia has in the past charged retailers EXCESSIVE fees for accepting payments. To share the love, retailers have in the past either decided not to accept Amex or charged customers additional fees on top of their purchase cost.

As a result many many Australians do not now and never will use Amex as they are viewed as overcharging scumbags. Some retailers, presumably in order top pick up the tourist dollar from overseas visitors, now accept Amex but for many Australians Amex carries a lot of negative baggage.

Amex has tried to expand its foothold in Australia by:
- reducing its fees slightly to retailers, although their reputation is ingrained in the Australian psyche and some retailers still charge higher fees for using Amex because the public expects them too.
- introducing co-branded Amex cards with large retailers like David Jones. These will work with Apple Pay as they are genuine Amex cards
- introducing co-branded Amex cards with the four banks (although these are usually supplementary cards to a Visa or Mastercard account with those banks). These are the bulk of Amex cards and WILL NOT WORK with Apple Pay because the banks will not give up their lucrative fees.
Score: 7 Votes (Like | Disagree)
tmanto02 Avatar
120 months ago
Australia has real coffee, only stupid Americans go to Starbucks in Australia thinking it sells "coffee".
This. Starbucks coffee is rubbish. There are many case studies as to why Starbucks failed in Australia - and the reason was because their coffee is horrible compared to local coffee shops that are literally everywhere.
Score: 7 Votes (Like | Disagree)
entropys Avatar
120 months ago
There must be at least several dozen people in Australia that actively use Amex.
Score: 6 Votes (Like | Disagree)
avanpelt Avatar
120 months ago
ApplePay is infinitely more useful in Australia, Canada, and the UK when cards are loaded into the iPhone than it is here in the U.S. I have every single Amex and Visa card I own linked to ApplePay and almost nowhere to use ApplePay except for fast food joints. And Apple's big news is that Dominos, KFC, Chili's and Cinnabon will be supporting ApplePay soon. Great...even more places to use the technology that my waistline doesn't need.
Score: 5 Votes (Like | Disagree)
BrentD Avatar
120 months ago
... stick on NFC chip which is compatible with any smart pone.
Stick on NFC chip... What could possibly go wrong?!
Score: 5 Votes (Like | Disagree)
landroverz7 Avatar
120 months ago
Just added my AMEX card here in Melbourne its 6:45am. Need to wait for the shops to open to try it out haha
Score: 5 Votes (Like | Disagree)