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Comment by sundvor | Hacker News Reader

Cards.. that's such a relic, really.

I don't carry my wallet anymore, just my Samsung S10 5G. There are very few places in Australia where I can't pay with Samsung Pay (Westpac). It even gets me on public transport (Google Pay).

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I think the point behind the Apple Card is to drive NFC payments adoption in the US. Australia has a near complete penetration of NFC while the US does not.

Only time will tell whether we get the Apple Card, but due to the Australian Reserve Bank’s interchange fee cap, we’ll likely not see the same cash back offer if it ever does land here.

It will be interesting to see other markets’ reception of Apple Card and Apple Pay too.

So you’re one of these people that gets stranded when the phone or payment network is out.

That has happened to me literally once in the past 20 years.

Apple Pay et al work without signal. If the payment network is down then cards will also be declined.

Increasingly we’re seeing contactless ATMs (in Europe) too so that’s a last resort.

Yep. I can get cash out from ATMs if I need to with a cardless pin system.

If the network is out, noone using card payments will have any luck.

Sounds like we live in different countries. If the network is out here (Australia), your only option is cash - card/touch are both going to be offline. The terminals need to authorise the transactions with the banks; it's an online transaction.

Magnetic stripes, haven't seen for ages. Cheques are not ever in use for normal shopping.

Call me old fashioned but I always carry cash, both because I don’t want to get stranded like that and because of the privacy it affords.

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