Apply for an Instant Approval Credit Card Online

Information verified correct on September 26th, 2016
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Compare instant approval credit cards and complete your online credit card application

If you do not understand how to apply for an instant approval credit card online you may think that it is a complicated process. It really is not, especially if you know exactly what will be expected of you when you fill out an application.

How to apply for an instant approval credit card online

Using the Internet to apply for a new card is secure and simple and you will usually be given a decision right away on whether or not your application is approved, once you have filled out all the necessary information. Some people put off using the Internet simply because they do not understand how to apply for an instant approval credit card online. If this applies to you, then take a look at the following tips. It really is quite simple.

Eligibility

You should make sure that you are eligible to apply for the card that you want by first looking at the card provider’s website. You should check to make sure that you meet all of the residency and age requirements. You should check out the minimum income requirements for each credit card. Your application should not be started until all the boxes have been kicked.

Starting the process

You will need to have a lot of your personal information ready to submit. The Internet application can timeout if you need to walk away and gather up some of your information, so it is best to have it ready before hand.

Here is a list of the personal information you may need to provide:

  • Personal information such as your name, address, date of birth, e-mail address and phone number.
  • The number on your driver’s license.
  • Your income, which includes your salary and earnings, the name of the business you work for or your employer, your work name and address, and if you are self-employed you will need your accountant’s details.
  • Your assets such as investments, property or anything else of significance that you own.
  • Your monthly expenditures for payments such as loans and mortgages.

You will need to have all of the same information if you plan on adding any additional cardholders to the account.

Filling out the application

It only takes about 10 to 15 minutes to input all of the above information and it is everything that the company will need in order to make a final decision. You will usually find out whether you have been approved within a minute or two of having submitted your application form. This is how to apply for an instant approval credit card online.

Compare instant approval credit cards

Rates last updated September 26th, 2016.

Commonwealth Bank Business Interest Free Days credit card

First year annual fee waiver has been extended until 31 October 2016.

September 2nd, 2016

Virgin No Annual Fee Credit Card

Balance transfer offer has been extended to 31 October 2016.

September 26th, 2016

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer offer has been extended until 31 October 2016.

September 26th, 2016

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
St.George Amplify Platinum
This card features a balance transfer rate of 12% p.a. for 18 months, 1% p.a. for 12 months on purchases and an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 on purchases. An exclusive offers offer to this site.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Go to site More info
ANZ Low Rate
A low rate credit card with an intro rate on balance transfer amounts
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months. 0% p.a. for 18 months on balance transfers.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and an exclusive $129 Virgin Australia Gift Voucher every year.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Commonwealth Bank Business Interest Free Days credit card
Take advantage of $0 annual fee for the first year. Get up to 55 interest-free days on purchases and included transit accident insurance.
17.57% p.a. $0 p.a. annual fee for the first year ($60 p.a. thereafter) Go to site More info
NAB Velocity Rewards Premium Card
0% p.a. on purchases and balance transfers for 15 months and 20,000 bonus Velocity Points when you make an everyday purchase in the first 90 days of opening your account. You gain both Visa and American Express cards which are linked to one single account and annual fee.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $150 p.a. Go to site More info
NAB Qantas Rewards Premium Card
Get 20,000 bonus Qantas Points plus enjoy a low promotional offer of 0% p.a. for 15 months on purchases and balance transfers.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $250 p.a. Go to site More info
NAB flybuys Rewards Card
Earn flybuys rewards points on your everyday purchases. Also enjoy a 0% p.a. on purchases and balance transfers for 15 months.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $95 p.a. Go to site More info
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7 Responses to Apply for an Instant Approval Credit Card Online

  1. Default Gravatar
    Azza | June 14, 2015

    Hi, does conditional approval mean I can use the card straight away?

    • Staff
      Jonathan | June 15, 2015

      Hi Azza, thanks for your inquiry!

      Conditional approval means that in order to be approved for the credit card more documentation is required (usually payslips or personal identification). After approval you will have to activate your new credit card before it can be used. Please refer to the following link for more information on the credit card application process.

      Cheers,

      Jonathan

    • Staff
      Jonathan | June 15, 2015

      Hi Azza, thanks for your inquiry!

      Conditional approval means that in order to be approved for the credit card more documentation is required (usually payslips or personal identification). After approval you will have to activate your new credit card before it can be used. Please refer to the following link for more information on the credit card application process.

      Cheers,

      Jonathan

  2. Default Gravatar
    Aaron | March 31, 2013

    Hi i have a default on my cra with telstra that is being paid off, Should i apply for a credit card online or not as i don’t want mark on my credit report. all is there someone i can go with that could be a bit friendly re my cra.

    Thanks Aaron

    • Staff
      Jacob | April 2, 2013

      Hi Aaron. Sensible question. If you have a default on your credit file, it’s best to speak to a lender directly to discuss what options are available to you. Online applications are less flexible than applying face to face in branch. Hope this helps. Jacob.

  3. Default Gravatar
    Robert | May 25, 2011

    Wish to apply for a Citibank Gold Credit Card

Credit Cards Comparison

Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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