I got an ANZ Credit Card with Visa and Amex in October.
Once the novelty wears off, you soon realise the shortcomings.
EG not everyone takes Amex. I set Amex as my default card, but if the Merchant doesn’t take Amex then you have to manually switch to Visa in your Apple Wallet. In the time it takes to do that you can just pull your card out of your real wallet.
Some merchants who accept Amex have Terminals which won’t accept NFC Amex, so you have to pull your card out and slot it in anyway. So you might as well have done that in the beginning.
Also I’ve found even paying with Visa, that with the actual card you just tap and go. But with Apple Pay, the terminal seems to phone home and this takes at least a few seconds. You don’t really want to walk away until you’ve seen “Approved” appear on the terminal.
Yes, sometimes it works beautifully and magically like Apple would have you believe, but not always. Of course these issues probably aren’t confined to Apple Pay, Android Pay and Samsung Pay probably have them in equal measure.
I’ve got my load of free rewards points out of the ANZ card and will continue to use it, but I pretty much decided I probably won’t keep it past the 12 months where I’ll have to start paying an Annual fee.
The other issue is that when a card has rewards points, you tend to probably buy stuff you don’t need or shouldn’t just for the rewards. Yes you can always justify it somehow, but I think for me, a card with no rewards is probably better. I’ve been very strict about what I spend but if you there’s no reward then I’m positive you’re less likely to buy useless crap you don’t really need.