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Easy payments, extraordinary rewards.

Get more from Apple Pay with American Express

  • Fast, secure and convenient payments
  • One touch to pay with Touch ID
  • Enjoy all the rewards and benefits of American Express Membership

Can I use my American Express® Card with Apple Pay?

Can I use my
American Express® Card
with Apple Pay?

No American Express Card? No worries.

Discover a way to use Apple Pay with a $0 annual fee.

Meet the American Express EssentialTM Credit Card

The American Express Credit Card for Apple Pay
The American Express Credit Card for Apple Pay
  • No annual Card fee – ongoing
  • Earn Membership Rewards points on every transaction
  • iPhone screen insurance2

Find out more 

How to load your Card to Apple Pay on your iPhone

  1. 1.Open the Wallet app icon wallet
  2. 2.Tap the plus sign in the upper right-hand corner
  3. 3.Scan your Card using your iPhone’s camera, or enter the Card details manually
  4. 4.Enter the four digit security code on the front of your Card and agree to the Terms and Conditions
  5. 5.Once you’ve loaded your Card – Learn more about using Apple Pay

See detailed steps 

Enjoy smarter rewards from American Express

Say hello to the rewards program that lets you use your points, your way. Whether it’s travel, online shopping or reducing your account balance, the Membership Rewards program offers the widest choice.


Find out more 

Make the most of
American Express with the Amex Mobile App

  • Save offers to your Card with a single tap
  • View and pay your Card Account on the go
  • Pay off transactions using your Membership Rewards points3

Enjoy rewards on tap with the
American Express EssentialTM Credit Card

Enjoy rewards on tap with the American Express EssentialTM Credit Card

Apple Pay and Contactless Apple Pay and Contactless
Apple Pay

Apple Pay is already accepted where you’re currently making contactless payments using your American Express Card.

View stores that accept Apple Pay 

Secure payments

How do I authorise a transaction? Navigation Show below Hide below

Your unique Touch ID uses fingerprint technology to protect your Card. Every time you make a purchase, you’ll need to authorise the payment via Touch ID. If you don’t have Touch ID enabled for your device, you can elect to use your passcode instead.

Do not let anyone else, including family members, have their fingerprint registered to your device while your Card is registered in Apple Pay.

What Card number is used? Navigation Show below Hide below

Instead of using your Card number, Apple Pay assigns you an encrypted, unique Device Account Number. When you make a purchase, this number, along with a transaction-specific code, is used to process your payment – meaning merchants will never see your details.

Do I need to use a PIN with Apple Pay? Navigation Show below Hide below

Nope! Not even for transactions over $100. There’s no need to open an app either. Simply hold your locked iPhone near the contactless reader with your finger on Touch ID. You’ll know your payment was successful when you hear a beep.

What happens if I lose my phone or my Card? Navigation Show below Hide below

If you lose or misplace your Card or device, call us immediately on 1300 132 639 and we’ll look after the rest. You can easily suspend Apple Pay using Find My iPhone or your iCloud account. You can even wipe your device if it’s definitely been lost or stolen.

Find out more  

Other questions

Will my device work with Apple Pay? Navigation Show below Hide below

You can load your eligible American Express Card to any iPhone 6 or later for in-store and in-app payments. You can also load your Card to an with iPad Pro, iPad Air 2, and iPad mini 3 and later for in-app and on the web payments and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. Apple Watch is enabled for in-store payments.

For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

How do I load a Card to my device? Navigation Show below Hide below

For detailed instructions on how to add a new card, see how to load your Card.

Your American Express Card Member agreement governs the use of your Card in Apple Pay.

How do I use Apple Pay? Navigation Show below Hide below

To pay in apps and on the web with iPhone and iPad, select Apple Pay as the payment method and place your finger on Touch ID. On Mac in Safari, choose Apple Pay then complete the purchase on your iPhone or Apple Watch.

Find out more  

Where can I use Apple Pay? Navigation Show below Hide below

You can pay with Apple Pay where you currently make contactless payments using your American Express Card.

Find out more  

How do I return an item purchased with Apple Pay? Navigation Show below Hide below

If you need to return a purchase made with Apple Pay, you may be asked to provide the last four digits of your Device Account Number (instead of the last few digits of your Card number). To find them, select ‘Settings’ then ‘Wallet & Apple Pay’. Alternatively, find it in the settings menu in the Wallet app by tapping on the ‘i’ icon.

Why isn’t my bank issued American Express Card working? Navigation Show below Hide below

Cards issued directly by American Express are currently enabled for Apple Pay. You will need to check with your bank regarding the eligibility of bank issued American Express Cards.

Do I need an internet connection? Navigation Show below Hide below

No, you don't need Bluetooth, Wi-Fi or cellular data to use Apple Pay in stores. Your device uses Near Field Communications (NFC) to communicate with the terminal.

Can I load more than one Card? Navigation Show below Hide below

Yes, Apple Pay allows a maximum of eight Cards to be loaded to the Wallet. To ensure you’re receiving the many benefits of American Express, make sure your American Express Card is set as your default Card.

How do I make my American Express my default Card? Navigation Show below Hide below

To make your American Express Card the default Card, simply open the Wallet app then tap and hold the Card. Drag it to the front of the stack, and release. You'll receive a notification confirming your new default Card setting. Easy!

  1. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au/termsandconditions. Certain transactions will earn 0.5 points per dollar with merchants classified as; “utilities” including gas, water, electricity and telecommunications providers; “government”, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and “insurance” excluding insurances offered by American Express.
  2. Insurance cover is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and is subject to the terms, conditions and exclusions contained in the American Express Essential Credit Card Insurances policy between American Express and Chubb available here. For Smartphone Screen Insurance, maximum of 2 claims per 12 month period, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies.
  3. This is available to Primary Card Members enrolled in the Membership Rewards program. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can take up to 72 hours to appear online. Credits processed after the Card Account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. Corporate Card Members and David Jones American Express Card Members are not eligible. Subject to the Membership Rewards Terms & Conditions at membershiprewards.com.au/termsandconditions

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.TMTrademark of American Express Company. Credit Terms and Conditions apply.