Step By Step Guide To The Credit Card Application Process

Information verified correct on October 25th, 2016
guide on credit card application process

Learn how simple it is to make a credit card application. Follow these easy steps to be fully prepared and gain the confidence that your application will be approved.

The credit card application process is a straightforward affair taking 10 to 15 minutes provided you have the required information to hand before you start. Whenever you click on the “Go to site” page of any credit card website you will clearly see a warning that any period of fifteen to twenty minutes where your application is left inactive will cause your application to be scrubbed and any information already input to be lost. This is a security feature to make sure you don’t wander off and forget about your credit card application, leaving other people to view sensitive information you have left on-screen. So, here’s how to get your online credit card application right:

Steps To Identify Protection

Step One – Confirm your eligibility

Make certain that you are able to apply for the credit card you have chosen. Normally on the page prior to the application form itself you will always be asked to fulfil four requirements:

  • You must be at least 18 years old
  • You must be a permanent Australian resident
  • You must be earning a specified annual income
  • You must have a good credit history

There may be additions to this, such as your eligibility as a non-permanent resident, but you will need to be earning a lot more in this case. Where permanent residents may need to be earning $15,000 a year, non-permanent residents may need to prove $50,000.

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Step Two – Gather your information

The information required to complete the credit card application form will be listed on the same page as the eligibility criteria. Different credit cards require different information, but you will generally be asked to have most or all of the following details available:

  • Your personal details, including address and contact details
  • Details of your driver’s licence, if you have one
  • Previous address if less than a certain time at your current address
  • Details of your employer, as listed in the White Pages
  • Your accountant’s details, if self-employed
  • Details of your income, assets and liabilities

Step Three – Fill in the gaps then review

Enter the relevant information into the correct places on the credit card application without making mistakes. Once completed, review to make sure you are happy.

Step Four – Read the Terms & Conditions then submit

Reading the Terms and Conditions is essential if you don’t want any surprises later on. You will be required to confirm you have read and understood them. Don’t just tick the box – read them.
A final word about online credit card applications … make sure the site is the genuine credit card website and that it is secured. You can verify this by looking for the locked blue padlock symbol bottom-right of your screen and for “https” at the start of the site’s web address, not just “http”.

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3 Responses to Step By Step Guide To The Credit Card Application Process

  1. Default Gravatar
    Thomas | December 1, 2015

    Does the bank usually call up my workplace to check my work income?

    • Staff
      Jonathan | December 2, 2015

      Hi Thomas, thanks for your inquiry!

      Unfortunately the credit check/ application approval process is unique to each bank and is undisclosed to the public. In terms of the application process payslips and employment information must be supplied.



    • Staff
      Sally | December 2, 2015

      Hi Thomas,

      Thanks for your question.

      Applicants are usually required to provide proof of their income (such as payslips) with their application, so this is how the bank confirms your income and whether you’re eligible for the card.

      I hope this has helped.



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* The credit card offers compared on this page are chosen from a range of credit cards 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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