Easy Credit Cards: Easy Online Application & Instant Approval

Posted January 4th, 2010 and last modified March 26th, 2014
Easy Application Credit Cards

An easy credit card application is the one that takes around fifteen minutes and from which you receive a response within one minute.

Fortunately, that would cover the vast majority of credit card applications when made online. Credit card providers who do not allow such an easy process are in danger of losing customers, especially in such a competitive marketplace.

You can make for an easy credit card application by being realistic. Applying for a Platinum card when you are studying or working with a low income will find you out, and any application you make is logged on your credit history. Only apply for the level of card you can reasonably expect to be approved for. Different criteria will apply depending on the type of card. Income is a key factor, along with Australian residence (although not in all cases); you must also be over eighteen, and your credit rating must be good. If unsure you may want to order a credit report.



Compare Online Application Credit Cards

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate. 13.49% p.a. 0% p.a. for 12 months $58 p.a. 21.74% p.a. Apply Now For The ANZ Low Rate
Read More About The ANZ Low Rate
Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
A credit card with a low interest rate. Receive up to $200 cash back when you apply between 1 March 2014 and 30 April 2014. 19.74% p.a. 5.99% p.a. for 5 months $24 p.a. ($0 for qualifying customers) 21.24% p.a. Apply Now For The Commonwealth Bank Low Fee Credit Card
Read More About The Commonwealth Bank Low Fee Credit Card
Westpac Low Rate Card
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases and balance transfers. 13.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Apply Now For The Westpac Low Rate Card
Read More About The Westpac Low Rate Card
Commonwealth Bank Low Rate Credit Card
Commonwealth Bank Low Rate Credit Card
A credit card with a low ongoing purchase rate. Receive up to $200 cash back when you apply between 1 March 2014 and 30 April 2014. 12.99% p.a.* 5.99% p.a. for 5 months $78 p.a. ($48 for qualifying customers) 21.24% p.a. Apply Now For The Commonwealth Bank Low Rate Credit Card
Read More About The Commonwealth Bank Low Rate Credit Card
ANZ Platinum Credit Card
ANZ Platinum Credit Card
A low interest rate offer on balance transfers with a $0 annual fee for the first year. 19.74% p.a. 0% p.a. for 12 months $0 p.a. (for eligible customers, $87 p.a otherwise) 21.49% p.a. Apply Now For The ANZ Platinum Credit Card
Read More About The ANZ Platinum Credit Card
Citibank ReadyCredit
Citibank ReadyCredit
A long term balance transfer offer with no annual fee. 18.99% p.a. 5.9% p.a. for 24 months $0 p.a. 18.99% p.a. Apply Now For The Citibank ReadyCredit
Read More About The Citibank ReadyCredit
ANZ First Visa Credit Card
ANZ First Visa Credit Card
This simple a low annual fee credit card is ideal for students 19.74% p.a. 0% p.a. for 12 months $30 p.a. 21.49% p.a. Apply Now For The ANZ First Visa Credit Card
Read More About The ANZ First Visa Credit Card
St.George Vertigo MasterCard
St.George Vertigo MasterCard
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee. 13.24% p.a. 0% p.a. for 14 months $55 p.a. 21.49% p.a. Apply Now For The St.George Vertigo MasterCard
Read More About The St.George Vertigo MasterCard
ANZ Rewards Credit Card
ANZ Rewards Credit Card
Earn rewards points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel. 18.79% p.a. $89 p.a. (which includes a $34 annual account Fee and a $55 Rewards Program services fee) 20.99% p.a. Apply Now For The ANZ Rewards Credit Card
Read More About The ANZ Rewards Credit Card
Aussie Classic Low Rate MasterCard
Aussie Classic Low Rate MasterCard

With Aussie's low 0% p.a on balance transfers for the first 9 months, you may be able to save on interest repayments.

12.49% p.a. 0% p.a. for 9 months $49 p.a. 20.99% p.a. Apply Now For The Aussie Classic Low Rate MasterCard
Read More About The Aussie Classic Low Rate MasterCard
BankSA Vertigo MasterCard
BankSA Vertigo MasterCard
A low interest rate card with a low annual fee. 13.24% p.a. 0% p.a. for 14 months $55 p.a. 21.49% p.a. Apply Now For The BankSA Vertigo MasterCard
Read More About The BankSA Vertigo MasterCard
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer and a host of platinum privileges. Earn up to 1.25 Citibank Reward points for every $1 spend. 20.99% p.a. 0% p.a. for 24 months with 3% balance transfer fee $199 p.a. 21.74% p.a. Apply Now For The Citibank Rewards Credit Card - Platinum Card
Read More About The Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Classic Card
Citibank Rewards Credit Card - Classic Card

The Citibank Rewards Classic Card gives you automatic benefits and a security guarantee.

20.99% p.a. 0.9% p.a. for 12 months $44 p.a. annual fee for the first year ($89 p.a. thereafter) 21.74% p.a. Apply Now For The Citibank Rewards Credit Card - Classic Card
Read More About The Citibank Rewards Credit Card - Classic Card
Emirates Citibank Platinum Card
Emirates Citibank Platinum Card
Earn Skywards Miles for every $1 you spend, plus great introductory offer on balance transfers. 20.99% p.a. 3.9% p.a. for 9 months $229 p.a. 21.24% p.a. Apply Now For The Emirates Citibank Platinum Card
Read More About The Emirates Citibank Platinum Card
Westpac Altitude Card
Westpac Altitude Card
Receive bonus Altitude points when you make your first purchase. Redeem Altitude points for flights on any of the world’s major airlines. Earn up to 2.00 bonus points for every dollar spent. 0% p.a. for 12 months (reverts to 19.99% p.a.) 3.99% p.a. for 6 months $100 p.a. 21.49% p.a. Apply Now For The Westpac Altitude Card
Read More About The Westpac Altitude Card
Citi Select
Citi Select
With Citi Select you get to craft the lifestyle rewards of your choice with an unmatched offering of rewards tiers. 20.74% p.a. 4.9% p.a. for 9 months $700 p.a. 21.24% p.a. Apply Now For The Citi Select
Read More About The Citi Select
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
Receive double points in the first 3 months. Includes free insurance and travel benefits. Also a low interest rate offer. 0% p.a. for 12 months (reverts to 19.99% p.a.) 3.99% p.a. for 6 months $150 p.a. 21.49% p.a. Apply Now For The Westpac Altitude Platinum Card
Read More About The Westpac Altitude Platinum Card

You can make an easy credit card application online. Most forms only take around fifteen minutes to complete, but you must have all the required information with you at the start. Speaking of security, you should also make sure the site has a padlock symbol bottom right to show it is secure, and it should be https in the address bar rather than plain http.

This is the information you will need to ensure an easy credit card application process:

  • Personal and contact details – Full name, date of birth, home and email addresses, home and mobile telephone numbers. The same for any additional cardholder you wish to include.
  • Australian driver’s licence number, if you have one.
  • Income details – Your income should usually be at least $15,000 p.a. for a regular credit card; gold and platinum cards require a higher income, starting at $50,000 for gold and $65,000 or $75,000 for platinum.
  • Details of expenditure, debts and assets – Such as monthly expenses, mortgage, loans still payable, property owned.
  • Employer’s details – Name, address and contact number, and the same for your accountant if self-employed.

Once you have submitted your application form, you will normally receive a response within a minute. This may be a rejection, or an approval in principle along with a reference number

Although this next part of the process involves more than sitting in front of your computer, therefore may not seem so easy, credit cards cannot simply then be sent out to customers. For your application to be fully approved, you must appear in person at a branch of the issuing bank with documents to verify your identity, which is mandated by the Australian government. You may also have been asked to bring along documentary evidence to support certain information you provided on your application form.

After this, your credit card will normally arrive within five working days, and your PIN under separate cover.

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6 Responses to Easy Credit Cards: Easy Online Application & Instant Approval

  1. Default Gravatar
    Kay | February 7, 2014

    I am on a subclass 820 visa and earn approx $47000 a year, Commonwealth Bank have given me a credit card for $500 but I applied for and was conditionally approved for $6000. Are there any providers that would issue me with a credit card for approx $5000-$6000?

    • Staff
      Marc | February 10, 2014

      Hi Kay,
      thanks for the question.

      Unfortunately I’m not able to answer whether or not any providers would provide you with this amount of money. Each provider has their own lending criteria which they’ll use to evaluate an applicant’s credit request. You may wish to compare different credit cards, and call the card provider for any you’re interested in. They’ll be able to help you.

      I hope this helps,
      Marc.

  2. Default Gravatar
    Don | May 10, 2013

    I would like to have a credit card with a small limit ($3000). I am an old aged pensioner with no credit history, I retired in 2001 and at that time have an A1 credit rating.
    Can you assist please? I am able to handle a $3000 limit. Thank you. Don.

    • Staff
      Jacob | May 10, 2013

      Hi Don. Thanks for your question. I suggest you have a look at our low interest rate credit card comparison page. These cards generally have a lower minimum credit limits than premium credit cards. About your credit rating. Credit cards require that you have a good credit rating in order to apply. If you have not had a recorded credit history (internet, mobile phone, mortgage, credit card etc.) it may be difficult for the bank to verify your credit worthiness; however, you should be fine. When you apply for a card you can elect a specific credit limit, but the final say will be up to the bank. They will assign a credit limit based on the size of the debt they think you can service. Jacob.

  3. Default Gravatar
    tanya | March 13, 2013

    Do you have to have a job to apply for a credit card or can you just have incoming payments?

    • Staff
      Marc | March 13, 2013

      Hello Tanya,
      thanks for the question!

      Credit card lenders will evaluate an application based on whether or not they think an applicant can make repayments, regardless of whether or not this income comes from a job or through regular payments. It may be helpful to call a provider you’re interested in to discuss your situation before applying.

      I hope this helps,
      Marc.

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Credit Cards Comparison

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Benefit from not ever having to pay an annual fee. Plus earn 1 Qantas Point per $1 spent on all your everyday purchases. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Apply Now For The American Express Qantas Discovery Card
Read More About The American Express Qantas Discovery Card
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and long term balance transfer offer. 13.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Apply Now For The Westpac Low Rate Card
Read More About The Westpac Low Rate Card
St.George Vertigo MasterCard
St.George Vertigo MasterCard
A low balance transfer rate and ongoing purchase rate. 13.24% p.a. 0% p.a. for 14 months $55 p.a. 21.49% p.a. Apply Now For The St.George Vertigo MasterCard
Read More About The St.George Vertigo MasterCard
Bankwest Breeze MasterCard
Bankwest Breeze MasterCard
Low ongoing purchase rate from Bankwest, with an introductory rate on balance transfers. 11.99% p.a. 0% p.a. for 13 months $59 p.a. 21.99% p.a. Apply Now For The Bankwest Breeze MasterCard
Read More About The Bankwest Breeze MasterCard
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Low rate credit card offer with a low balance transfer rate. Also comes with platinum privileges and benefits. 12.99% p.a. 0% p.a. for 12 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Apply Now For The Citibank Clear Platinum Card
Read More About The Citibank Clear Platinum Card

* 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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