Apple Pay Credit Cards

Apple Pay credit cards offer people the ability to link their credit card directly to their mobile phones' digital wallet and use it to pay contactlessly without the need for their physical credit card. ApplePay uses the phones' inbuilt fingerprint reader to enhance transaction security. Compare Apple Pay enabled credit cards from our partners below.

  • 0% on balance transfers for 41 months from account opening on balance transfers made within the first 90 days - 2.29% fee (3% is initially applied, then 0.71% is refunded) - 3% after this time
  • 0% for 3 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%
    41 Months
    Balance Transfer
    Fee
    2.29%
    Purchases
    Intro
    0%
    3 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)

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Credit Needed
Good
  • Up to 40 Months 0% Balance Transfer (1.69% Fee - Initial fee of 3.00% is applied, then 1.31% 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%
    40 Months
    Balance Transfer
    Fee
    1.69%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Up to 40 Months 0% Balance Transfers (1.69% Fee - Inital fee of 3.00% is applied, then 1.31% 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
    1.69%
    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
Excellent
  • Get a rocking 5% cashback for your first 3 months of Cardmembership (up to £100)*
  • After the first 3 months of Cardmembership you will earn up to 1% cashback, depending on how much you spend on the card
  • No Annual Fee
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt

*As long as you spend a minimum of £3,000 in a year, every full pound you spend on purchases qualifies for cashback
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    22.9%
    APR

Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • No foreign transaction fees on purchases when made in the local currency
  • Online and mobile banking so you can manage your account anywhere
  • No cash withdrawal fees at home and abroad (interest in charged immediately on cash withdrawals)
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    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)

  • 0% interest for the first 29 months on balance transfers (2.5% fee applies for the first 90 days, then 3% applies thereafter)
  • 0% interest on purchases for the first 29 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%
    29 Months
    Balance Transfer
    Fee
    2.5%
    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 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 29 months on balance transfers (2.5% fee applies in the first 90 days, 3% thereafter)
  • 0% interest for the first 29 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%
    29 Months
    Balance Transfer
    Fee
    2.5%
    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 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 29 months on balance transfers (2.5% fee applies in the first 90 days - 3% fee thereafter)
  • 0% interest on purchases for the first 29 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%
    29 Months
    Balance Transfer
    Fee
    2.5%
    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 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 43 months from account opening with no balance transfer fee
  • Get 5 cashback offers of up to 25% from a range of major retailers
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • *£3 monthly fee - £36 per year
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • Balance Transfer
    Rate & Duration
    0%
    43 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    *£36
    Representative APR (variable)
    21.7%
    APR

Representative Example: Representative 21.7% APR (variable). Based on an annual fee of £36, a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

  • 0% on balance transfers for 37 months from account opening (on balance transfers made within the first 90 days) - Minimum £100 balance transfer
  • 1.39% fee (3% is initially applied, then 1.61% is refunded) - 3% after this time
  • 0% for 3 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%
    37 Months
    Balance Transfer
    Fee
    1.39%
    Purchases
    Intro
    0%
    3 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)

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Credit Needed
Good
  • 0% interest for 30 months on purchases
  • 0% for 6 months from account opening on balance transfers (3% fee)
  • Free cover against online fraud
  • Apple Pay enabled payments
  • APR dependent on applicant circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income of at least £20,000 p.a., not have any CCJs, be subject to an IVA or be currently declared bankrupt
  • Balance Transfer
    Rate & Duration
    0%
    6 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    30 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)

  • Take control of your spending - Spread the cost of big purchases by setting up instalment plans (from 2 to 36 months), then pay them off in regular monthly payments
  • A low representative rate of 6.4% APR (variable) on purchases and balance transfers*
  • 0% fee on balance transfers made within the first 90 days (3% fee thereafter)
  • Apple Pay enabled payments
  • *Credit limits and interest rates will vary based on your individual circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy, and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    6.4%
    APR

Representative Example: Representative 6.4% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 6.45% 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
  • Representative 6.4% APR (variable) on purchases & balances transferred
  • No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter
  • Worldwide use - accepted in over 36 million Mastercard locations worldwide<
  • Quicker payments with contactless technology
  • Apple Pay enabled payments
  • *Credit limits and interest rates will vary based on your individual circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy, and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    6.4%
    Balance Life
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    6.4%
    APR

Representative Example: Representative 6.4% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 6.45% p.a. (variable)

  • No need to worry about teaser rates that jump up and sting you when the 0% offer ends
  • One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers
  • No balance transfer fees
  • MasterCard contactless enabled
  • Apple Pay enabled payments
  • £24 annual fee
  • You must be a UK resident, aged 18 or over, and have an annual income of at least £10,000
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £24
    Representative APR (variable)
    11.1%
    APR

Representative Example: Representative 11.1% APR (variable). Based on an annual fee of £24, a credit limit of £1,200 and a purchase rate of 6.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Earn 1% Reward on all Supermarket spend and 0.5% at their petrol stations
  • At least 1% at MyRewards Retailers and 0.5% everywhere else you shop at home and abroad
  • Earn an extra 1% when you pay contactlessly or use Apple Pay - Offer ends 31st March 2017
  • MasterCard contactless enabled
  • Apple Pay enabled payments
  • £24 Annual Fee*
  • Receive a £24 refund on the annual fee when you hold a Reward or Reward Black current account
  • You must be a UK resident, aged 18 or over, and have an annual income of at least £10,000
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £24
    Representative APR (variable)
    23.7%
    APR

Representative Example: Representative 23.7% APR (variable). Based on an annual fee of £24, a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

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Credit Needed
Good
  • 0% on balance transfers for 30 months (2.75% fee applies)
  • 0% on purchases for 30 months from account opening
  • Manage your account anywhere with online and mobile banking
  • No monthly or annual fees
  • Apple Pay enabled contactless payments
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • You must be a UK resident, aged 18 years or over, have a good credit history, have no CCJ or bankruptcy history, and must have an income of at least £7,500
  • Balance Transfer
    Rate & Duration
    0%
    30 Months
    Balance Transfer
    Fee
    2.75%
    Purchases
    Intro
    0%
    30 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
  • No need to worry about teaser rates that jump up and sting you when the 0% offer ends
  • One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers
  • No balance transfer fees
  • Contactless payment enabled
  • Apple Pay payments
  • £24 annual fee
  • Must be a UK resident, aged 18 years or over, and have an annual income of at least £10,000
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £24
    Representative APR (variable)
    11.1%
    APR

Representative Example: Representative 11.1% APR (variable). Based on an annual fee of £24, a credit limit of £1,200 and a purchase rate of 6.9% p.a. (variable)

  • Earn 1% Reward on all Supermarket spend and 0.5% at their petrol stations
  • At least 1% at MyRewards Retailers and 0.5% everywhere else you shop at home and abroad
  • Earn an extra 1% when you pay contactlessly or use Apple Pay - Offer ends 31st March 2017
  • MasterCard contactless enabled
  • Apple Pay enabled payments
  • £24 Annual Fee*
  • Receive a £24 refund on the annual fee when you hold a Reward or Reward Black current account
  • You must be a UK resident, aged 18 or over, and have an annual income of at least £10,000
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £24
    Representative APR (variable)
    23.7%
    APR

Representative Example: Representative 23.7% APR (variable). Based on an annual fee of £24, a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • No fee for the first year (normally £25)
  • 20,000 Nectar bonus points welcome offer - worth £100 to spend with Nectar partners when you spend £2,000 on your account in the first three months
  • Collect 2 Nectar points for almost every £1 you spend
  • Collect 4 points for virtually every full £1 spent at Nectar partners
  • Complimentary Supplementary cards for a family member, so you can collect even more Nectar points
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £25*
    Representative APR (variable)
    28.2%
    APR

Representative Example: Representative 28.2% APR (variable). Based on an annual fee of £25, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 5,000 bonus Avios when spending £1,000 within the first 3 months of Cardmembership
  • Earn 1 Avios for virtually every £1 you spend
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    22.9%
    APR

Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 25,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership
  • 1.5 Avios for virtually every £1 you spend
  • Companion voucher when you spend £10,000 each card anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident and have no history of bad debt
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £195
    Representative APR (variable)
    76%
    APR

Representative Example: Representative 76.00% APR (variable). Based on an annual fee of £195, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

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What is Apple Pay?

Apple Pay is a contactless payment system, which was launched in the US by Apple Inc. in October 2014, then in the UK in July 2015. It is a mobile payment service that uses NFC (near field communication) chips, which are built into the iPhone 6, iPhone 6 Plus and their successors, as well as the Apple Watch, enabling you to make payments for goods and services. It is a payment system that takes the place of the swipe methods of credit cards, and stores all of your credit and debit card details on your compatible device.

How does Apple Pay work?

Apple Pay allows you to place your device in front of a card reader like you would with a contactless debit card, then you would use the Touch ID sensor in order to confirm your payment. As you hold your iPhone 6 against the reader it will automatically connect with Apple Pay. After you press the Touch ID fingerprint for authentication, the phone will vibrate and make a beeping sound to make you aware that the payment has been received.

If you are using an Apple Watch, then Apple Pay is activated using a passcode in place of Touch ID on the iPhone.

If you decide to pay with the Apple Watch, then you have to double click the side button. This will trigger your stored debit or credit cards. Like the iPhone, you have to hold the device in front of the card reader, and it will then beep and vibrate as confirmation that the payment has gone through.

To set up Apple Pay, you must add your debit and credit cards digitally to the Wallet app. Within this app, you can add your cards by pressing the Plus sign and then you must enter your security code. This will be your default, but you can choose a new default or you can change your card for any payments. You can also add cards through your iTunes account or by taking a photograph of your card.

The Wallet app is a digital wallet that uses your stored cards to enable you to use your Apple Watch or iPhone as a "wallet" at checkouts.

What devices are compatible?

Apple Pay is compatible with the following models:

The iPhone SE, 6, iPhone 6 Plus, and all later models. Apple Watch paired with iPhone 5, which is running iOS 8.2 or later. It is also compatible with the iPad, iPad Pro, iPad Air 2, iPad mini 4 and 3.

You can use iPhones with Apple Pay in shops and within apps. The Apple Watch can be used with Apple Pay only in shops and the iPad can only be used within apps if they are running iOS 8.3 or later.

Who accepts Apple Pay?

Apple Pay is accepted in more than 250,000 shops across the UK. It is accepted on TfL (Transport for London) and includes the following major retailers: M&S, Waitrose, Spar, Lidl, Post Office, BP, Starbucks, Costa, Wagamama, McDonald's, Nando's, Subway, KFC, Pret, Boots, Liberty, New Look, Dune and JD Sports, among others.

Among the supported apps which accept Apple Pay are: British Airways, Argos, Lastminute.com, Booking.com, TheTrainline.com, Lufthansa, Zara, Topshop, Miss Selfridge, Domino's, Hotels.com, Just Eat, Five Guys and Ocado.

Are your rights affected by Apple Pay?

All details concerning your payments remain private and safe when using Apple Pay. Your payment usage is not tracked by Apple. If your iPhone is stolen or is lost, then your cards are protected and you can suspend your card data from Apple Pay in your settings by activating Lost Mode through Find My iPhone.

Competitors to Apple Pay

In a crowded marketplace with mobile payments, it seems that Apple Pay has found a firm foothold. However, new mobile payment systems are entering the market, which present different challenges to Apple Pay.

Apple Pay competitors within this industry include PayPal, Android Pay (which will work alongside its new service - Google Wallet), and Samsung Pay ( a relatively new mobile payment system in association with MasterCard).

Neither Android nor Samsung Pay is on the UK market yet but they are rumoured to be launched in this country at some point.

What next for mobile wallets?

What is the future wave within the mobile payment industry? It seems that innovation, change and consumer choice in this arena will continue.

It appears that both consumers and mobile payment retailers will stay with NFC due to familiarity in the short term. It is early days within this sector and so we can assume that a cash free world is not yet on the immediate horizon.

Banks are predicted to add mobile payment systems into their apps. In the US, Capital One is the first bank that has built a NFC mobile payment addition into their app. This sets a precedent for steps towards a cashless future.