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Apple Pay

It’s the easy, secure and private way to pay - with no card details exchanged at the point of sale

Features and benefits of Apple Pay

You can use Apple Pay with your offset debit card/s for your Qantas Money Offset Home Loan, so you can make faster, contactless purchases in store, in apps and on the web.

Currently your offset debit card/s for your Atlas Home Loan offset sub-account/s cannot be used with Apple Pay. This feature will be available in 2027.

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Set up in minutes

Simply add your eligible offset debit card to Apple Pay to get started. Using Apple Pay is simple, and it works with the Apple devices you carry every day.

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Extra security built in

Apple Pay uses the security features built into your Apple device, including Face ID and Touch ID — which are designed so only you can authorise payments.

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Accepted anywhere

Tap and pay in stores anywhere you see the contactless symbol, both in Australia and overseas.

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Pay easily. Pay fast

With Apple Pay, you can pay quickly and easily with your eligible card right from your iPhone or Apple Watch.

What you’ll need

  • A compatible Apple device and an Apple ID signed into iCloud.
  • An offset debit card for your Qantas Money Offset Home Loan.
  • An up-to-date mobile number linked to your Offset Account (as you will be sent an Online Activation Code to set up Apple Pay).

Get started with Apple Pay

Using the Wallet app

Add your card to Apple Pay in three simple steps:

  1. Open the Wallet app on your iPhone.
  2. Tap the ‘+’ sign in the upper-right corner.
  3. Follow the setup instructions.

You can set your offset debit card from your Qantas Money Offset Home Loan Offset Account as your default card – simply open the Wallet app, tap and drag your card to the front of the stack, and release.

Using the Qantas Money Home Loans app

If you have an Offset Home Loan funded by Bendigo Bank, you can also add your card to Apple Wallet via the Qantas Money Home Loans App. Follow these steps:

  1. Tap the 'Card' button on the Account details screen.
  2. Tap the 'Set up Apple Pay' button to start the process.
  3. Tap the 'Add to Apple Wallet' button.
  4. Enter the verification code sent via SMS to your phone.
  5. Wait for the app to contact your card issuer and retrieve your name and card details.
  6. You may need to authenticate your identity, for example, with Face ID or your passcode to proceed.
  7. Tap next then agree to the terms and conditions.
  8. You'll receive an SMS confirming the card has been added to your wallet.
  9. You can choose whether to use this card as your default card.
  10. Tap ‘Got it’ on the success screen.
  11. Your card will be added to your wallet.

Apple Watch

Add your card to Apple Pay in four simple steps:

  1. Open the Apple Watch app on your iPhone.
  2. Select ‘Wallet & Apple Pay’.
  3. Tap ‘Add Credit or Debit Card’.
  4. Follow the setup instructions.

For more information, view Apple setup guidelines.

How to pay with Apple Pay

In store

Use Apple Pay anywhere you can tap and pay.

iPhone with Face ID - Double-click the side button and glance at your screen. Then hold your iPhone to the contactless terminal. Watch the Apple demo.

iPhone with Touch ID - Hold your iPhone near the contactless terminal. Then place your finger on Touch ID. Watch the Apple demo.

Apple Watch - Double-click the side button, then hold your Apple Watch up to the contactless terminal. Watch the Apple demo.

Find out how to use Apple Pay on other devices.

In apps and on websites

You can pay in apps and on websites in Safari wherever you see Apple Pay listed as a payment method or the ‘Buy with Apple Pay’ button.

iPhone / iPad - Select Apple Pay at checkout and complete the payment using Face ID, Touch ID or passcode.

Mac - Select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Air and MacBook Pro, pay using the Touch ID on the Touch Bar.

For more info view Apple setup guidelines.

Frequently asked questions

Apple Pay offers an easy, secure and private way to use your cards to pay for transactions on your iPhone, iPad, Apple Watch and Mac. Just like you do with your physical card today, simply tap your iPhone or Apple Watch at any contactless terminal. For certain merchant terminals, a transaction limit may apply.

Offset accounts available on our Offset Home Loan funded by Bendigo Bank, come with a Mastercard Debit Card that can be used with Apple Pay.

Offset sub-accounts available on our Atlas Home Loan funded by ColCap Financial, come with a Visa Debit Card. Currently this card cannot be used with Apple Pay, though this feature will be available in 2027.

Apple Pay offers a simple, secure and convenient alternative payment method that doesn't require you to carry your physical card in your wallet or purse.

On most of your transactions you will not be required to enter a PIN, but depending on the merchant terminal, it may be requested.

View all frequently asked questions

Qantas Money has partnered with Bendigo Bank and ColCap Financial, two of Australia's experienced lenders, to offer a range of home loans with competitive rates that earn you Qantas Points.

Learn more

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Need any help?

Our Home Loan experts are happy to help with your application 7 days a week.

New customers:

Monday to Friday from 8:00am to 6:30pm, or on weekends from 9:00am to 5:00pm (AEST).

Existing customers with loans funded by Bendigo Bank:

Monday to Friday from 8:30am to 8:30pm, or on weekends from 9:30am to 4:30pm (AEST).

Existing customers with loans funded by ColCap Financial:

Monday to Friday from 8:00am to 6:30pm, or on weekends from 9:00am to 5:00pm (AEST).

1300 992 700Call: 1300 992 700