How long does it take to get a new credit card?

Information verified correct on November 30th, 2015

You’ve just received notice that your credit card application has been approved… So what happens next?

After taking the time to compare credit card offers, choosing the right one, and filling out the application, getting word that you’ve been approved is very exciting. Now all you have to do is wait for it to arrive so you can start using it. This may seem like a drawn out process, but if you know what steps you need to take first, the only hard part will be staying patient while you wait for the card.

InstitutionWaiting Period
NAB Logo NABAllow up to 5 business days
ANZ Logo ANZWithin 5 business days
CBA Logo Commonwealth BankWithin 10 working days
St George Logo St. George5-10 business days
Bankwest Logo Bankwest5-10 working days
HSBC logo HSBC5 business min 10 max
AMEX logo American Express7 to 10 calendar days
Diners Club Logo Diners ClubUp to 21 Days

What do I need to know about the approval process once i’ve applied?

After submitting your application for a credit card to the bank, they will assess your credit history and current finances in order to determine whether or not you are eligible for credit. This also helps in determining how much credit they are willing to offer you. For an Australian who has a perfect credit rating, the bank may offer you instant approval. For everyone else, you may get a follow up call or email from the bank asking for further details about the marks in your credit history.

You may also be asked to confirm your income information or current balances on other credit products. This can usually be handled by faxing or emailing the appropriate documents to the bank. However, this is not the norm, and with most applications online a response is given in just minutes.

How will I receive my card?

You will have a few days to start making your shopping list once you’ve gotten word that your application has been approved. The bank needs to process your application and create your account before the new credit card can be issued.

Once your application has made it past all of the necessary departments in the bank or financial institution, a “welcome pack” will be put together for you. This contains valuable information about the bank, the credit card and its terms and conditions of use. Make sure you read through that information thoroughly before you make any purchases using the card, which is also included in the welcome pack. Now all that is left is to wait for the Australia Post to deliver it to your mailbox, which could take anywhere from five to ten business days depending on where you live.

How do I activate my card?

By far the easiest step in the process – besides using it – is activating your credit card once it has arrived. This will involve a quick call to the bank to verify who you are and that the correct card has been issued to you. Try to call during off-peak hours, as you may be left on hold waiting for up to 30 minutes when the bank is busy.

The last thing you need to do is sign the back of your credit card in the white strip centered down the middle. This protects you against anybody else being able to use the credit card. Merchants are responsible for verifying your identity when making a purchase based on your signature on the back of the card.

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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 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.

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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If you need to make an online purchase before that time – consider opening up a Paypal account.

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10 Responses to How long does it take to get a new credit card?

  1. 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 and not a lender. To allow us to assist you further could you please state which bank/ lender your application is with?



  2. 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.



    • 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.



  3. 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.



  4. 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, 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.


Credit Cards Comparison

Rates last updated November 30th, 2015
Purchase rate (p.a.) Cash advance rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 21.49% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
NAB Premium Card
Long term balance transfer offer with premium benefits such as travel insurance.
0% p.a. for 15 months (reverts to 19.74% p.a.) 21.74% p.a. 0% p.a. for 15 months $90 p.a. Go to site More info
HSBC Platinum Credit Card
Earn 1 Rewards Point per $1 spent plus a balance transfer offer. Access Platinum benefits with personal concierge service, complimentary travel insurance.
19.99% p.a. 21.99% p.a. 0% p.a. for 8 months $0 p.a. Go to site More info
Citi Rewards Credit Card - Classic Card
Earn up to 20,000 bonus points with 2 points for every dollar spent in the first three months. Also enjoy 0% p.a. on balance transfers for 12 months.
20.99% p.a. 21.74% p.a. 0% p.a. for 12 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points and earn 2.00 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers. Offer ends on 2 February 2016.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info

* 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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