A screenshot of the CommBank Kaching app for iPhone.

A screenshot of the CommBank Kaching app for iPhone.

Clipp
iPhone, Android, BlackBerry 10
Free

Next time you're out on the town, you can leave your credit card at home. Clipp saves your payment details securely on your smartphone, and you can use it to pay your bar tab at participating bars and restaurants in Sydney, complete with an itemised bill and a tax invoice that's emailed to you after payment.

 

Ingogo
iPhone, Android
Free

Need a taxi? Ingogo, available in Sydney and Melbourne, is one of the better booking systems that puts you directly in contact with nearby taxi drivers. If you don't have any cash on you, you can pay for the trip securely using one of the credit or debit cards that you've configured in the app.

 

PayPal
iPhone, Android, Windows Phone
Free

As well as offering a way to manage your PayPal account, the PayPal app includes a new 'local' feature that lets you pay for items at participating merchants directly through your PayPal account. The only downside is that most of the participating merchants in Sydney are cafes and coffee shops.

 

CommBank Kaching
iPhone
Free

The iPhone is one of the last smartphones standing that doesn't have built-in Near Field Communication (NFC), but if you have a Commonwealth credit card and pair it up with the iCarte case accessory ($49.95, compatible with the iPhone 4 and 4S only) and the CommBank Kaching app, you can use it to buy things under $100 by tapping it against a MasterCard PayPass terminal.

 

Apple Store
iPhone
Free

The next time you're shopping at one of the official Apple Stores, there's no need to flag down one of the blue-shirted sales staff to make a purchase. The Apple Store app lets you buy things directly from your iPhone with the new 'EasyPay' feature, which scans items and lets you purchase them directly using your Apple ID.