Yep was completely fully Apple Pay about three months after ANZ announced here in Australia.
I was using it since day one of ANZ and then about three months after the launch I realised I haven't touched the physical card for that whole time so completely got rid of all of them.
But I have since switched from ANZ to ING and Macquarie. It's nearly been more than a whole year that I have entirely been Apple Pay and haven't had a single issue once.
That's the only physical card I carry but only when it's required. Just to reiterate I did mention I have no more physical payment cards.
Not a big loyalty card person myself. Have started to join a few of them recently however but use a third party application to store them on the phone.
All of mine are debit cards, and are an Apple Pay.
Forgot to mention I also only carry one key when necessary that's the car key. I'm using my iPhone to unlock all the doors here.
Haven't used cash for at least 3 years, had switched over to contactless and card transactions long ago.
That explains things a little bit better now as there is only one banking institution in New Zealand that currently supports Apple Pay.
I'm guessing you don't use ANZ for your banking? And you're not restricted to credit cards only. ANZ do support Apple Pay on there debit cards in New Zealand.
However I do understand most people will prefer to wait for there supported banking institution.
Apple Pay and Android Pay, use the exact same contactless infrastructure tapping your card uses.
Apple Pay is accepted everywhere that contactless payments are, so it may be supported many more places than you think. even here I don't rely on the retailer knowing.
When I make a purchase here all I say is EFTPOS when they ask how your paying today, which tells them they need to turn on the terminal. And that's it. Provided they support contactless payment everything is fine.