Easy Credit Cards: Easy Online Application & Instant Approval

Information verified correct on September 27th, 2016
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Get approved for a credit card in less than 60 seconds. Easy credit card applications only take 15 minutes to complete and provide a response within 1 minute.

Fortunately, that would cover the vast majority of credit card applications when made online. Credit card issuers 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 Credit Cards with 60 second approval

Rates last updated September 27th, 2016.

NAB Low Fee Card

Balance transfer and purchase rate offer has been extended until 2 October 2016.

August 9th, 2016

NAB Low Rate Credit Card

Balance transfer and purchase rate offers have been extended until 2 October 2016.

August 9th, 2016

Citi Clear Platinum Card

Balance transfer and purchase offers have been extended.

September 1st, 2016

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases 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. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases 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. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info

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.

Information required 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 issuers 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 issuers would issue you with this amount of money. Each issuer 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 issuer 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 issuer you’re interested in to discuss your situation before applying.

      I hope this helps,
      Marc.

Credit Cards Comparison

Rates last updated September 27th, 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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