Easy Credit Cards: Easy Online Application & Instant Approval

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.

Compare Instant Approval Credit Cards

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Virgin Flyer Credit Card	Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2.	20.99%	1.9% for 9 months	$99	20.99%
	Westpac Low Rate Card	A no frills credit card with a low interest rate on purchases and balance transfers.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Westpac 55 Day Credit Card	Great introductory offers on balance transfers, purchases and annual fee	0% for 5 months (reverts to 19.59% )	3.99% for 6 months	$0	21.49%
	ANZ First Visa Credit Card	If you are a student, or considering applying for your first credit card, the ANZ First Visa is a good one to consider, with the opportunity to have a low starting credit limit.	0% for 3 months (reverts to 19.24% )	0% for 3 months	$30	20.99%
	St George Vertigo	One of the cheapest credit cards available in Australia for purchases and balance transfers.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Low Rate MasterCard – Balance Transfer	A great credit card with an instant decision made on applying	0% for 3 months (reverts to 13.24% )	0% for 3 months	$58	21.49%
	ANZ Rewards Credit Card	Uncapped points earning allows you to redeem points for a huge selection of rewards	19.74%		$89	20.99%
	BankSA Vertigo MasterCard	One of the cheapest low rate credit card available in South Australia.	13.24%	0.99% for 12 months	$55	21.49%
	Citibank Rewards Credit Card – Platinum Card	1.9% for 9 months, plus Earn up to 5 Citibank Rewards Points for every $1 spend.	20.99%	0.9% for 9 months	$199	21.74%
	Citibank Rewards Credit Card – Classic Card	Features complimentary rewards program along with no point expiry. Also a great balance transfer offer 1.9% for 9 months	20.99%		$89	21.74%
	Westpac Altitude Card	Redeem Altitude points for flights on any of the world’s major airlines. Earn up to 3 bonus points for every dollar spent.	19.99%	3.99% for 6 months	$100	21.59%
	Westpac Altitude Gold Cards	Redeem Altitude points for flights on any of the world’s major airlines. Receive 10,000 points when your card is first used. Free insurance and travel benefits. Everything included in the Standard Altitude, + More.	19.99%	3.99% for 6 months	$150	21.59%

You can make for an easy credit card application by being realistic. Applying for a Platinum card when you wait tables is going to 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.
Although applications can be made over the phone and in person, the really simple and easy credit card application is made via the Internet. Most forms only take around fifteen minutes to complete, but you must have all the required information with you at the start. Most application forms have a time-out security feature that means if you leave the connection idle for ten minutes or so, everything you’ve already input will be wiped. 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.

Check out today's featured offers:

Citibank Clear Platinum	Qantas AMEX Discovery	ANZ Platinum	Westpac Low Rate
2.9% p.a. for 12 months on balance transfers	$0 annual fee Up to 10,000 Bonus QFF Points	0% p.a. for 6 months on purchases & balance transfers	0% p.a. for 6 months on purchases & balance transfers

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%
	American Express Qantas Discovery Card	Earn Qantas Frequent Flyer points, plus take advantage of the no annual fee offer.	20.74%		$0	20.74%