Easy Credit Cards: Easy Online Application & Instant Approval

Posted January 4th, 2010 and last modified September 22nd, 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

Rates last updated October 2nd, 2014

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 16 months $58 p.a. 21.74% p.a. Go to site More info
Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
A credit card with a low interest rate and low annual fee. 19.74% p.a. 5.99% p.a. for 5 months $24 p.a. ($0 for qualifying customers) 21.24% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases and balance transfers. 12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
Commonwealth Bank Low Rate Credit Card
Commonwealth Bank Low Rate Credit Card
Get discounted annual fee for eligible customers plus a low ongoing purchase rate. 13.49% p.a.* 5.99% p.a. for 5 months $78 p.a. ($48 for qualifying customers) 21.24% p.a. Go to site More info
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 16 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Citibank ReadyCredit
Citibank ReadyCredit
A long term balance transfer offer with no annual fee. 19.49% p.a. 5.9% p.a. for 24 months $0 p.a. 19.49% p.a. Go to site More info
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 16 months $30 p.a. 21.49% p.a. Go to site More info
St.George Vertigo Visa
St.George Vertigo Visa
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. Go to site More info
ANZ Rewards Credit Card
ANZ Rewards Credit Card
Get 50,000 bonus Rewards points on your first eligible purchase. Earn rewards points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel. 18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) (which includes a $34 annual account Fee and a $55 Rewards Program services fee) 20.99% p.a. Go to site More info
BankSA Vertigo Visa
BankSA Vertigo Visa
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. Go to site More info
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 1.250 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. Go to site More info
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% p.a. for 18 months $89 p.a. 21.74% p.a. Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
Redeem Altitude points for flights on any of the world's major airlines. Also includes free insurance and travel benefits. 0% p.a. for 12 months (reverts to 20.24% p.a.) $150 p.a. 21.24% p.a. 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.

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.

Credit Cards Comparison

Rates last updated October 2nd, 2014
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Westpac 55 Day Platinum Card
Westpac 55 Day Platinum Card
$0 annual fee with platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover. 19.84% p.a. 0% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) (Annual fees waived for the first year. Annual fees of subsequent years are also waived when your yearly spend is $10k or more) 21.29% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the credit card. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% 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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