The iOS 9 upgrade makes Apple Pay a more interesting proposition by adding the option of reward/loyalty cards and store credit/debit cards.

As announced back in June, all such cards will be held in a new app called Wallet that will replace Passbook. Existing cards in Passbook, including Starbucks, gig tickets and boarding passes, migrate to Wallet.

Loyalty cards from leading US retailers Walgreens and Kohl’s department stores will be available in the wallet app, with Coca-Cola and Dunkin’ Donuts to follow. Retail-branded credit cards from retailers BJ’s, Kohl’s and JC Penney are also signed up.

The capability to link payments to loyalty/rewards cards offers more possibilities for Apple Pay, which at present enables contactless payment in retail outlets.

Users can also access Wallet by double-clicking the Home button when their iPhone is locked. Another new feature in iOS 9 is the ability to discover places that accept Apple Pay.