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Other branded loyalty cards depend on recognition by the app. For example, most of the airline cards, franchise retail cards (BCF, Anaconda etc), cinemas, some health providers, hotels, NRMA/RACQ/etc and franchise food outlets are fine.

You can add any card, not on the list, but it will not emulate the MST or NFC functions. This may be handy to store other ID, membership, and drivers’ licence but note that digital drivers licences are not acceptable ID at present.

Transport, vouchers and promotions

You can use Samsung pay at NSW Opal Card readers but you need to know the full fare conditions and limitations. Read our article here.

Samsung Pay Opal

Promotions are where Samsung Partners can send you special offers. For example, I can get two Koala pillows when I buy a Koala mattress (and I though Koala’s were protected species).

Vouchers are pre-paid cards. I did try to enter a Digital CabCharge voucher, but it would only work with Apple Pay and Google Pay. Vouchers show your previous five transactions on that card but not the balance.

And you can generally use it to pay online from a smart phone browser, app or from an NFC linked computer too.


At first, I thought it was easier to whip out my wallet and fumble through the cards. That is muscle memory and it is pretty easy to change your habit to whipping out the mobile phone.

When you use Samsung Pay, it is as simple as a swipe up to open the app, verify your ID, select a card and pay. Plus, it keeps a current list of payments on the phone.

And now with the Galaxy Watch, purchases are even easier – press a button, enter a pin, pay. It limits this to a maximum of five offline transactions before you need to access the internet and it resets.

Oh, one tip. Add a debit card too if you want to get cash out with your grocery shop.

Samsung Pay is also available in most countries.

GadgetGuy’s take: Samsung Pay and mobile wallets are the future.

Apart from severely reducing the thickness of your wallet by removing most cards, it is more convenient. Even if you lose the phone, no one else can access the wallet without your iris, pin or fingerprint. You can import the information to your new Samsung phone as well.

I have not been using it long enough to see if I get a plethora of offers or advertisements. I suspect Samsung will be sensitive in that regard and I can turn offers off in the settings.

After my wife saw how easy it was to spend money (as if she needed any encouragement), she has set up her Galaxy S10+ and Galaxy Active smartwatch for Samsung pay. The combination is perfect as she does not have to take a purse to the gym (the watch is a payment device) nor to pick up a coffee or groceries on the way home.

I suspect there is a long way that Samsung can go with its app. Things like a travel expense diary, tax deductions versus private payments, peer-to-peer payments – this is just the start. Oh, and the rumour of a crypto wallet coming is true, so add fintech to its capabilities.

Samsung Pay is the Samsung way
Name: Samsung Pay Price (RRP): $free with a Samsung Galaxy smartphone or watch Manufacturer: Samsung
All compatible Galaxy Smartphones and watches support NFC PayWave and many support MST as wellTransactions over the $100 floor limit all work with a pinHighly secure – I love the speed and safety of iris recognitionFor Samsung users only and that adds a level of reliabilityUse the Wallet to store any other sensitive information or cardsReasonable global coverage
Some pre-paid vouchers and cards only work with Google Pay
Value for money
Ease of Use
4.5Overall Score
Reader Rating 0 Votes