If this is how it works, you can check it on OS X by clicking each item in Keychain Access and looking at the Access Control tab or you can run `security dump-keychain -a` in terminal - it lists all keychain items and their access control lists. It's still a big and unwieldy list but not as bad as clicking each keychain item. Someone better at this stuff could probably think of a way to make it easier.
(This would only show if you've been exploited already, not that some app is capable of doing it.)