score:6
Aussie here. As far as I'm aware, whoever told you that was flat out wrong: you're charged for credit card use, regardless of whether you tap, insert or swipe.
I suspect that your contact is confused by the fact that EFTPOS (direct bank payment) is almost always free and usually done by inserting the card, while credit cards more often have surcharges and are usually tapped (PayWave is ubiquitous in Australia).