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I live in Melbourne and yes the buildings in Fed square are ugly but they are "of a piece" there is no way that they would be replacing just one part of it. I'd love Apple to have a store in Fed square but anywhere in the CBD would be fine. The old GPO was redeveloped a few years ago and I had my hopes up but no. One day they'll get there.
I'm both an American Express and an ANZ customer and have been using Apple Pay since day one in Australia. It works like a charm and because 90% of retail outlets already support Pay Wave I can nearly walk around with no cash.
And Apple Watch makes it even more convenient, don't hesitate move to ANZ and get waving.