Android Pay Credit Cards

'Android Pay' is Google's new payment system, which allows the user to store credit and debit cards on their phone and use them to pay for goods and services contactlessly. If you have an android phone or are thinking of getting one, and are looking for issuers and credit cards that support such a facility, then choose and apply from the list below.

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 43 months from account opening on balance transfers made within the first 90 days - 2.98% fee (3.5% is initially applied, then 0.52% is refunded) - 3% after this time
  • 0% for 6 months from account opening on purchases
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not subject to an IVA or currently bankrupt
  • Balance Transfer
    Rate & Duration
    0%
    43 Months
    Balance Transfer
    Fee
    2.98%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Up to 42 Months 0% Balance Transfer (2.3% Fee - Initial fee of 3.00% is applied, then 0.7% is refunded) on balances transferred within the first 90 days of opening the account
  • 0% for 6 months on purchases
  • Contactless payment enabled
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not have any CCJs, not currently bankrupt, and not subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    42 Months
    Balance Transfer
    Fee
    2.3%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Up to 41 Months 0% Balance Transfers (1.9% Fee - Inital fee of 3.00% is applied, then 1.1% is refunded)
  • 0% purchase for 6 months
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Minimum £100 balance transfer
  • You must be a UK resident, aged 18 years, in receipt of a regular income, not currently declared bankrupt, have no CCJs and are not subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    41 Months
    Balance Transfer
    Fee
    1.9%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

  • 0% on purchases for the first 29 months
  • 0% on balance transfers for up to 29 months - 2.95% fee for the first 60 days (20.9% APR and 5% fee thereafter) plus 0% interest for up to 29 months on money transfers - 4% fee for the first 60 days (22.9% APR and 5% fee thereafter)
  • Find out if you are eligible before applying for this card
  • Apple and Android Pay enabled
  • Must be aged 18 or over, hold a UK bank account and must have been a permanent UK resident for at least 3 years
  • Balance Transfer
    Rate & Duration
    0%
    29 Months
    Balance Transfer
    Fee
    2.95%
    Purchases
    Intro
    0%
    29 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 24 months on balance transfers (2.5% fee applies in the first 90 days - 3% fee thereafter)
  • 0% interest on purchases for the first 24 months
  • Free access to Money Manager the easy way to keep track of your spending
  • Quicker payments with contactless technology
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, and not have any CCJs, not be currently bankrupt, and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    2.5%
    Purchases
    Intro
    0%
    24 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 24 months on balance transfers (2.5% fee applies in the first 90 days, 3% thereafter)
  • 0% interest for the first 24 months on purchases
  • Manage your card online using Internet Banking and Mobile Banking
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be currently declared bankrupt, not have any CCJs and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    2.5%
    Purchases
    Intro
    0%
    24 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 26 months on balance transfers (2.95% fee applies for the first 90 days, then 3% applies thereafter)
  • An initial balance transfer fee of 3% applies, then 0.05 is refunded within 90 days
  • 0% interest on purchases for the first 26 months
  • Cover against online fraud with Halifax Secure
  • Easy to manage your card online
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be subject to an IVA, not be currently bankrupt, or have any outstanding CCJs
  • Balance Transfer
    Rate & Duration
    0%
    26 Months
    Balance Transfer
    Fee
    2.95%
    Purchases
    Intro
    0%
    26 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • A bonus points voucher for 500 M&S points worth £5 when you spend in food, clothing or home at M&S
  • 0% on balance transfers and purchases for 25 months
  • Use your credit card when you buy your travel money and you will not have to pay the standard 2% fee
  • M&S rewards - earn M&S points every time you shop with your card
  • To apply for an M&S Credit Card you have to be a UK resident aged 18 or over
  • A new M&S Credit Card account cannot be opened if you have held a credit card with us within the previous 12 months
  • Balance Transfer
    Rate & Duration
    0%
    25 Months
    Balance Transfer
    Fee
    2.9%
    Purchases
    Intro
    0%
    25 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

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Android Pay Credit Cards

As the technical capability of mobile (smart) phones increases year on year, so their functionality increases exponentially, which makes them ever more essential to our daily lives.

One recent technical development that has the potential to revolutionise not only the mobile market, but also the payments industry, is the inclusion of NFC chips within a number of mobile phone models.

NFC (Near Field Communication) uses radio frequency identification (RFID) to transmit data from an electronic chip when it is within a given range of a receiver.

NFC chips are already widely used in a number of industries including automotive, retail and shipping & logistics. In the electronic payments field they provide the technical infrastructure that enables contactless payments.

Built into mobile phones, NFC chips enable the device to become a ‘mobile wallet’, piggybacking the established contactless infrastructure to enable payments to be made directly from the phone.

A number of businesses have sought to quickly establish mobile wallet dominance, including the main handset manufacturers (Apple, Huawei, Microsoft and Samsung), mobile telecom networks (EE, O2, Vodafone), and a number of start-ups (Lemon Wallet, Square Wallet, Zapp), but it is perhaps the owners of the most popular mobile operating system (Google) who are best placed to establish the world’s most popular mobile wallet with Android Pay.

Android Pay is due to launch in the UK very soon, so we thought we’d outline how it’s like likely to work and what the benefits of Android Pay will be for users.

How will Android Pay work?

Google already offers Android Pay in the USA, so we can assume that it will operate in a very similar way in the UK. Users will either have Android Pay preinstalled on new handsets, or they will download the app from the Google Play store.

Once the app is available on the handset, the payment cards that become the users ‘mobile wallet’ must be added. Much like Apple Pay, this can be as simple as taking a picture of the card and confirming a few details. Having applied the correct Android Pay-enabled cards to the app, the payment system is ready to use.

Users simply unlock their phone and hold it next to the payment terminal, as they would with a contactless credit card. There is no need to go into the app to make a payment, unless the user wishes to switch credit cards from their appointed default card.

Android Pay does not require fingerprint authentication (as Apple Pay does), because many Android handsets do not include a fingerprint reader. Nevertheless, users can enable additional security authentication (Pin code, pattern or password) if they have concerns regarding their security.

Which handsets enable Android Pay?

Android Pay is available on all NFC handsets running Android. This means there are already numerous compatible handsets available, and the popularity of the Android operating system with mobile manufacturers means many more are in development.

Which UK credit card issuers will offer Android Pay?

UK banks and credit card issuers were quick to enable Apple Pay use with their products. Given that Android handsets are more prevalent in the UK than Apple products, it is expected that most UK issuers will be offering it within weeks of launch.

Brands that have already committed to offering their customers Andriod Pay include:

  • Bank of Scotland
  • First Direct
  • Halifax
  • HSBC
  • Lloyds Bank
  • MBNA
  • Nationwide
  • NatWest
  • Royal Bank of Scotland
  • Santander (UK)

Although Barclays is not included in the above list they have developed their own payment gateway for Android users, to compete with official Android pay app. Barclays’ Android payment system is incorporated in their popular mobile banking app.

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