Make the most
of Apple Pay

The secure, no-touch way to pay.

Introducing Apple Pay

Now more than ever, Apple Pay is a great way to pay with your American Express Card. It’s contactless, safe and easy. If you’ve never made a contactless payment with Apple Pay, it’s simple to set up. Learn more

High value purchases

Apple Pay can be used for large or small purchases. Pay any amount with just a touch and follow the prompts on your device.

Worry-free shopping

With four layers of protection, we’ve got

your back, every step of the way.

Life should be rewarding

Earn and enjoy the same great rewards

when you shop using your American Express

with Apple Pay.

Ways to set up Apple Pay

Via the Amex App

Go to the Account tab & select Apple Pay.

Select the Card you want to add & verify your Card and follow the prompts.

Use as a default card.

Via your Wallet

Open the Wallet app on your Apple

device and tap the '+' sign to add your

American Express Card.

For security purposes, we may ask you to enter a One-Time Password to confirm your identity. Please follow the on-screen instructions.

And you're done - it's that simple.

How to use Apple Pay

Hold your phone up to a contactless

reader (there’s no need to wake your

phone or open the app).

To pay with Face ID, just double-click the side button on your iPhone, glance at your screen to authenticate the payment, then hold it near the reader. With Touch ID, hold your iPhone near the reader with your finger on Touch ID.

Wait for your payment to be authorised

– you’ll feel a vibration or hear a beep.

Where to use Apple Pay

You can use Apple Pay at thousands of places that welcome American Express

contactless payments, either in-store, online or in-app. Pay for your groceries

or a new pair of trainers with Apple Pay.

On the go?

You can use Apple Pay on bus, train, metro, light rail and ferry services across the Opal Network, enjoying Opal benefits plus American Express rewards.

Learn More

Frequently Asked Questions

Secure payments

Your unique Touch ID or Face ID uses biometric technology to protect your Card. Every time you make a purchase, you’ll need to authorise the payment via Touch ID or Face ID. If you don’t have Touch ID or Face 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.

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.

Nope! Not even for transactions over $200. There’s no need to open an app either. Simply hold your locked iPhone near the contactless reader with your finger on Touch ID, or you can use Face ID. You’ll know your payment was successful when you hear a beep.

If you lose or misplace your Card or device, call us immediately on 1300 132 639 or chat with us in your online Account or App 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.

-Opening in new window Find out more

Your Card in Apple Pay is protected by your unique Touch ID using fingerprint technology, Face ID and/or personal 'Passcode' that you use to access your device to help make it as secure as possible. You must either use the Touch ID, Face ID or the Passcode for your device to complete a purchase using Apple Pay.

All your payment account information will be encrypted and protected within Apple's secure environment.

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 support.apple.com/en-au/km207105

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.

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, or use Face ID. On Mac in Safari, choose Apple Pay then complete the purchase on your iPhone or Apple Watch.

-Opening in new window Find out more

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

-Opening in new window Find out more

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.

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.

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.

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!

To find out more about Apple Pay, click here

Mobile Wallet Security

You authorise each payment.

Whether it’s a passcode, biometric recognition (Face ID or Touch ID) or a secure tap without unlocking your phone, you’re in control.

Encrypted details.

To help protect transactions from fraud, your Card details aren’t saved to your phone. Instead, your device is given a unique token that’s then sent to the merchant.

Instant fraud alerts.

Log in and Set up Account alerts to know instantly if we spot anything odd or unusual in your Account

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

Make the most of Apple Pay

Introducing Apple Pay

Ways to set up Apple Pay

Via the Amex App

Via your Wallet

How to use Apple Pay

Where to use Apple Pay

On the go?

Frequently Asked Questions

Secure payments

What Card number is used? 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? Nope! Not even for transactions over $200. There’s no need to open an app either. Simply hold your locked iPhone near the contactless reader with your finger on Touch ID, or you can use Face ID. You’ll know your payment was successful when you hear a beep.

Other questions

How do I load a Card to my device? 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? 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, or use Face ID. On Mac in Safari, choose Apple Pay then complete the purchase on your iPhone or Apple Watch. -Opening in new window Find out more

Where can I use Apple Pay? You can pay with Apple Pay where you currently make contactless payments using your American Express Card. -Opening in new window Find out more

Do I need an internet connection? 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? 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? 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!