How long does it take to get a credit card

Information verified correct on September 28th, 2016
happy_credit_card_user

You’ve just found out your credit card application is approved, so what happens next?

After taking time to compare credit card offers and apply for one that suits your needs, it’s exciting to find out your application is approved. But waiting for the card to arrive can feel like a drawn out process.

This guide explains what happens after your application is approved, when you can expect to receive your card and what you need to do when you get the card, so that you can be as prepared as possible when it finally arrives.

InstitutionApplication length (approx)Waiting period
American Express10 minutes5-10 working days
ANZ5 minutesWithin 5 business days
Bank Australia (bankmecu)10-15 minutes7-10 business days
Bank of Melbourne10-15 minutes5-10 business days
Bank of Queensland20 minutes7-10 working days
Bankwest5 minutes5-7 working days
Citibank10 minutes7-10 working days
Commonwealth Bank15 minutesWithin 10 working days
Diners Club10 minutesUp to 21 days
GE Money10 minutes5-10 working days
HSBC10-15 minutesUp to 10 working days
NAB10 minutes5-7 working days
St George10-15 minutes5-10 business days
Suncorp10 minutes5-7 business days
Virgin Money10 minutesWithin 10 working days
Westpac10 minutesWithin 7 business days
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What do I need to know about the approval process once I’ve applied?

After you submit your credit card application, the credit card issuer will assess your credit history and current finances in order to determine whether or not you are eligible for credit. They also use this process to determine how much credit they will offer you.

Providing you meet all the key application criteria, you could get conditional approval for the card within 60 seconds of submitting an online application. If not, you may get a follow up call or email from the credit card issuer asking for further information.

Supporting documentation

When you receive conditional approval online or after a phone call, the issuer may also ask you to submit supporting documents, which could include:

  • A copy of your driver’s licence
  • A copy of your passport
  • Recent payslips
  • Your most recent Tax Assessment Notice or PAYG summary
  • Your Employment contract
  • A letter from your employer or accountant verifying your employment and/or financial details

The credit card issuer will inform you of which of these documents you need to submit. Usually you can submit them through the online application website or via email, as well as by post, fax or to a nearby branch. After the issuer receives these documents, your application approval will be finalised and they can issue your new credit card.

How will I receive my card?

Your credit card will usually come in the mail, although in some circumstances you may be asked to go to your nearest branch to pick it up. Your new credit card issuer will also put together a ‘welcome pack’ for you containing valuable information about the bank, the credit card and its terms and conditions of use. The welcome pack could arrive before the card, or come with the card when it is posted to you. Make sure you read through the provided information thoroughly before making any purchases using the card.

How do I activate my card?

Depending on the issuer, you may be able to activate your new credit card online, over the phone or in person. Information about card activation will also be included in your welcome pack and usually takes just a few minutes to complete.

You’ll also need to sign the back of the credit card, which gives you the authority to use the card and protects you against unauthorised transactions if it’s lost, stolen or compromised. After that, you can start using your credit card.

While it is exciting to be approved for a new credit card, there are a few more steps you need to know about before you can start using it. Being prepared for this process means you can tick all the boxes along the way and start using your credit card as soon as possible.

Compare Credit Cards with 60 second approval

Rates last updated September 28th, 2016.

Commonwealth Bank Business Interest Free Days credit card

First year annual fee waiver has been extended until 31 October 2016.

September 2nd, 2016

Virgin No Annual Fee Credit Card

Balance transfer offer has been extended to 31 October 2016.

September 26th, 2016

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer offer has been extended until 31 October 2016.

September 26th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Qantas Discovery Card
Enjoy up to 7,500 bonus Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $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 Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
St.George Amplify Platinum
This card features a balance transfer rate of 12% p.a. for 18 months, 1% p.a. for 12 months on purchases and an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) 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. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 on purchases. An exclusive offers offer to this site.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Go to site More info
ANZ Low Rate
A low rate credit card with an intro rate on balance transfer amounts
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months. 0% p.a. for 18 months on balance transfers.
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
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and an exclusive $129 Virgin Australia Gift Voucher every year.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Commonwealth Bank Business Interest Free Days credit card
Take advantage of $0 annual fee for the first year. Get up to 55 interest-free days on purchases and included transit accident insurance.
17.57% p.a. $0 p.a. annual fee for the first year ($60 p.a. thereafter) Go to site More info
NAB Velocity Rewards Premium Card
0% p.a. on purchases and balance transfers for 15 months and 20,000 bonus Velocity Points when you make an everyday purchase in the first 90 days of opening your account. You gain both Visa and American Express cards which are linked to one single account and annual fee.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $150 p.a. Go to site More info
NAB Qantas Rewards Premium Card
Get 20,000 bonus Qantas Points plus enjoy a low promotional offer of 0% p.a. for 15 months on purchases and balance transfers.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $250 p.a. Go to site More info
NAB flybuys Rewards Card
Earn flybuys rewards points on your everyday purchases. Also enjoy a 0% p.a. on purchases and balance transfers for 15 months.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $95 p.a. Go to site More info

Frequently asked questions

If I apply online for my credit card can I go back later to finish it?


Yes, most banks do have a feature that allows you to save an application to be completed at a later date. Just check first to see how long they will wait before deleting the details.

What is my credit card application number? Where can I find it?


Credit card issuers assign you an application number when you apply for a credit card online, and will be shown on the application page. It may also be emailed to you once you have submitted your details. This number can be used to complete the application later, check your application status or upload supporting documentation.

What kind of information will I need to provide on the application?


As with any lending product you will need to give details about your income and expenses along with your personal information.

If I ordered an additional card will that need to be activated too?


Yes, all cards issued will need to be activated before they can be used. This is done to verify that they were delivered to the correct person.

Can I pick up my new credit card at the branch?

This will depend on the bank you are getting the card through. Some prefer to mail it as a way of confirming your physical address.

It’s been more than 10 business days and my card hasn’t arrived. What should I do?

If you haven’t received your card in the specified time frame, call the issuer and let them know. They will be able to review your account details and provide you with information on the status of the card and when you should receive it.

I only make purchases online with my credit card, do I still have to sign it?

Yes, an unsigned credit card is not considered valid. Plus, you want to be protected in the event of a theft.
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12 Responses to How long does it take to get a credit card

  1. Default Gravatar
    Paul | August 1, 2016

    I applied for a debit card with ANZ on the 7/16/2016 and recieved an email saying that my debit card should arrive within 5 business days. But it has been almost three weeks since i received anything from the bank, I check my mail and email everyday and still nothing. Any advice?

    • Staff
      May | August 2, 2016

      Hi Paul,

      Thanks for your comment. Please note that you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually ANZ.

      Just to confirm, you have applied for an ANZ Debit Visa card? If so, usually, when you’re approved, the account will be active within 2 days and the card will be delivered to your home address.

      As for the ANZ credit card, usually, you would receive a response in 60 seconds, with an online application reference number. Once you’re approved, you will usually receive your card and welcome kit within five business days. If you have not received any but you’re sure you were approved, please contact ANZ directly to inquire.

      Cheers,
      May

  2. Default Gravatar
    p.karthikraja | August 7, 2015

    i need my new credit card status application no.X

    • Staff
      Jonathan | August 10, 2015

      Hi P, thanks for your inquiry!

      Please note that you have reached finder.com.au and not a lender. To allow us to assist you further could you please state which bank/ lender your application is with?

      Cheers,

      Jonathan

  3. Default Gravatar
    Lorry | December 24, 2014

    I applied for my credit card last Tuesday and it was approved on Monday and sent on Yesterday. If I am in Sydney, why would the Commbank take 5-10 working days to receive it when I am already local? The bank agent said it was sent yesterday morning shouldn’t I get it sooner than 5-10 days? I am in Penrith

    • Staff
      Elizabeth | December 24, 2014

      Hi Lorry,

      Thanks for your question.

      Five to ten working days is an estimate Commonwealth Bank gives, allowing for posting time, slight delays, etc. As you’re local it might arrive sooner than five days, but you should allow for this amount of time.

      I hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      Sachie | March 14, 2015

      Two weeks ago I lost my card and I stopped my bank for few days and the bank emailed me and they said they sent a new card for me about 10 days ago and still the card didn’t arrive. Should I call bank?

    • Staff
      Jonathan | March 16, 2015

      Hi Sachie, thanks for your inquiry!

      Mailing a new credit card can take up to 10 working/ business days. If it has been a considerable amount of time since the banks notification of sending the new card it would be best to contact them directly.

      Cheers,

      Jonathan

  4. Default Gravatar
    Lotus | December 23, 2014

    I recently opened a Westpac choice youth account and went into my local branch to order my debit card. The woman said she would have ordered it that day and it would come within 5 working days. It’s been 10 days since I ordered it. How long does it take??

    • Staff
      Elizabeth | December 23, 2014

      Hi Lotus,

      Thanks for your question.

      If Westpac advised that the card would arrive within five days, then it should have arrived in that time frame. You might want to get in contact with Westpac directly to ensure you card hasn’t been lost in the mail and that it has been sent.

      I hope this has helped.

      Thanks,

      Elizabeth

  5. Default Gravatar
    Scottie | July 22, 2014

    I applied for a HSBC credit card online and got a conditional approval for $5000. In the email I was asked to fax drivers licence and a copy of a bill. I have done so it’s been a week since I faxed. How long does it normally take to get a reply to see if I was approved or not?

    Thank you

    • Staff
      Shirley | July 23, 2014

      Hi Scottie,

      Thanks for your question.

      Unfortunately you’ve come through to creditcardfinder.com.au, an online comparison service. We don’t handle any personal information or applications for HSBC.

      Please speak to the customer service team at HSBC regarding your enquiry. Application times vary from case to case.

      Cheers,
      Shirley

Credit Cards Comparison

Rates last updated September 28th, 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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