Is Apple Card Available in Australia?

So far, the Apple credit card is not available in Australia. Check out the closest alternatives and learn when Apple plans to expand down under.

Updated: Apr 14, 2024

Apple Card Australia

Unfortunately, the Apple Card is NOT available for Australians. That's because the website says "You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box." 

Here is Apple's official application page if you want to see if you can apply.

Apple Card vs. Alternatives

Apple Card Titanium

Apple Card

  • No monthly or annual fees
  • 1% unlimited cashback, 2% if you pay with Apple Pay
  • No FX fees or hidden fees
Neo Card

Revolut Metal

  • $24.99/month
  • Up to 1% cashback and up to 30% at select restaurants
  • Free ATM withdrawals
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Wise Visa

  • No monthly or annual fees
  • Spend and hold 50+ currencies at the real exchange rate
  • Great for travel

When Is The Apple Card Coming To Australia?

While there is no official release date, there are signs that the Apple Card will launch in Australia. Apple's CEO, Tim Cook, confirmed interest in rolling out the Apple Card internationally but he noted that banks and regulations vary worldwide.

The Apple Card would make sense in Australia. There are 13 million credit cards in circulation and the iPhone is the most used smartphone by Australians, with 58% market share. However, despite demand in Australia, Canada, the UK, and more, the Apple Card has not left the USA.

What Is The Apple Credit Card?

The Apple Card offers 1%-3% cash back, no fees, and it can link with Apple Pay or be used as a traditional credit card. In true Apple fashion, it's designed to work with all of your iOS devices. Your card info can be accessed with the iPhone, iPad, Mac, and Apple Watch.

The card itself is made of titanium and has no numbers on the front or back. The issuing bank is Goldman Sachs. As of 2022, it has 6.7 million American cardholders.

Apple Card Titanium

Apple Card's Best Features

  • 2 Minute Application. Open the Wallet app, tap the + button in the top right, and tap "Apply for the Apple Card." No credit check required.
  • Daily Cash Back. The best feature is 2% unlimited cash back when you pay with Apple Pay (otherwise it's 1%). You also get 3% at the Apple Store and other select stores. The key part here is you earn REAL cash back (not reward points) and it's instantly deposited into your Apple Wallet. No waiting 30 days.
  • No Fees or Hidden Fees. There is no annual fee, no foreign transaction fees, and no late fees. Apple even offers interest rate calculators to easily track your payments.
  • Titanium Card. Like all Apple products, the physical card is a high quality sleek design. There is no card number on the front or back for security.
  • Interest Free Apple Products. You can buy Apple Store products interest-free and pay with monthly instalments (while still getting 3% cash back)
Apple Credit Card

Other Features

  • New high-yield savings account of 4.15% APY
  • Spending insights and payment reminders
  • Interest rate calculator to help you budget and minimize fees
  • View payments in real-time (not 2-3 days of waiting)
  • Apple Card family feature
  • End-of-the-month payment due dates
  • 24/7 Call or Text support
  • Easy connectivity with your Apple Watch, iOS devices and bank account

Visit the website here to see all Apple Card features.

Apple Card Titanium

How to Apply For The Apple Card

It only takes a couple minutes to apply for the Apple Card on your iOS device. You can also see the official application page here. It's worth noting that if you're based in Australia, the card is not available yet. Therefore, you won't see an option to apply for it in the Wallet app.

  1. Open the Wallet App
  2. Tap the + in the top right to add a new card
  3. Tap "Apply For Apple Card"
  4. Fill out your personal information
  5. Review the details and tap "Accept Apple Card"

Apple Card Alternatives

The Apple Card offers 1-3% unlimited cashback, helpful spending insights, and a mobile-first experience. Here are some cards in the Australian market that have similar benefits.

Header
Apple Card Titanium

Apple Card

Neo Card

Wise Visa

Neo Card

Revolut Metal

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Up

Monthly Account Fee

Free

Free

$24.99

Free

Add Money

Free

Free

Free

Free

Overdraft Fees

None

N/A

N/A

11.23%

Min. Cash Back

1%

None

Up to 1%

None

Max. Cash Back

3%

None

30%

None

High-Yield Savings

4.15%

N/A

N/A

3.85%

Domestic ATM

Free

Free

Free

Free

International ATM

Free

Free

?

Free

Foreign Currency Transaction Fee

Free

Free

?

Free

Card Type

Credit

Debit

Debit

Credit

Website

1. Wise's Multi-Currency Account

Neo Card
  • No monthly or annual fees
  • Hold, spend, and exchange 50+ currencies at great rates
  • Get local bank account details in every currency
  • Withdraw from ATMs anywhere

If you want to get the best exchange rates, open bank accounts in multiple currencies for free, and send and receive money abroad, Wise.com is the best app to do that. It's quick, easy and most importantly, low cost.

Wise first started as a money transfer app but has expanded to offer a free Wise Visa Card, allowing you to spend in 150+ currencies (including Australian dollars), withdraw from ATMs anywhere (with no fees), and get the real exchange rate. It's a great travel card and offers a great mobile-first experience with no monthly account fees.

Wise has grown to over 10 million users and the currency exchange rate it offers is very good compared to expensive platforms like banks or PayPal. It's also free to sign up and charges no monthly account fees. 

2. Revolut Metal

Neo Card
  • $24.99/month
  • Up to 1% cashback
  • Free ATM withdrawals up to $1,400
  • Revolut has over 28 million users worldwide

Revolut offers three card plans, but the Metal tier which costs $24.99/month is the most similar to the Apple Card because of its cashback and more. 

While it's not a free card, some of the similar features are that you can create spending limits, receive instant payment notifications, and enjoy a mobile-first experience. However, if you prefer a free card, you can opt-in for Revolut's Standard plan for less benefits.

Additionally, you will get up to 1% cashback on purchases and many other benefits like free ATM withdrawals, great exchange rates, and more. The card itself is made of "solid reinforced steel" but if you don't want to use the physical card, you can spend with Apple Pay or Google Pay as well.

With over 28 million users worldwide, Revolut is one the most popular super apps and it goes far beyond the card. From stocks, to crypto, to banking, money transfers, and more, there are endless reasons to consider Revolut.

3. Up

  • No monthly account fees or hidden fees
  • High-yield savings of 3.85% p.a
  • Fun design and user experience
  • Zero FX fees and ATM fees

Up is a 100% mobile banking app that has gained a following in Australia, with over 600,000 users to date. Its fun design and easy-to-use interface provides a variety of tools for budgeting, saving, splitting bills, and more.

Like the Apple Card, Up offers a mobile-first experience and insights into spending habits. In addition, it has a high-interest account that pays 3.85% per annum. Users can also enjoy other features with almost no fees, including zero foreign transaction fees, ATM fees, and more. The card is packed with so many features that it's hard to list them all.

Up's main drawback is the lack of cashback on your purchases. However, its wide range of features make it a great Apple Card alternative if you want a fun, free, easy-to-use card.

Hopefully It Comes To Australia!

Overall, it would be very exciting to see the Apple Card in Australia. Assuming it keeps the same features, no-fees, and 2-3% daily cash back, it would be one of the best credit cards on the market with no annual fee. We'll definitely keep a close eye on any Apple Australia announcements.


Apple Card FAQ

Is The Apple Card A Real Credit Card?

Yes, the Apple Card is a real credit card. It requires approval and has a credit limit. Apple uses Mastercard as the payment network and Goldman Sachs is the issuing bank.

What Countries Is The Apple Card Available In?

The Apple Card is available exclusively in the United States. It launched in August 2019 and has not expanded internationally.

Is The Apple Card Worth It?

If you're an avid Apple Pay user and looking for a fee-free card with cash-back options, the Apple Card is a great choice. It's designed to work seamlessly with all of your iOS devices and you'll get 1% to 3% cashback on all purchases.

Why Isn't Apple Card Available In Australia?

The Apple Card is not available in Australia because it is only available for U.S citizens or lawful residents with a valid, physical U.S address. There is no official release date but hopefully Apple plans to bring the card to Australia in the future.

More Apple Card Resources

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