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

Information verified correct on February 8th, 2016

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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Compare Credit Cards with 60 second approval

Rates last updated February 8th, 2016.

NAB Premium Card

0% p.a. for 15 months on purchases and balance transfers has been extended until 30 April 2016

January 15th, 2016

NAB Low Fee Card

Balance transfer and purchase rate offer has been extended until 30 April 2016.

January 15th, 2016

ANZ First Visa Credit Card - Exclusive Offer

0% p.a. for 9 months on balance transfers and purchases offer have been extended to 29 Februar 2016.

January 31st, 2016

View latest updates

Jonathan Choi Jonathan
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Visa
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
NAB Low Rate Credit Card
Enjoy a low interest rate on balance transfers plus a low annual fee.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1.00 points per $1 spent. Plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ First Visa Credit Card
If you are a student, or considering applying for your first credit card, the ANZ First Visa gives you the opportunity to have a low starting credit limit.
VISA/MC: 0 AMEX: 0 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
If you are a student, or considering applying for your first credit card, the ANZ First Visa gives you the opportunity to have a low starting credit limit, plus it offers a 0% p.a. for the first 9 months on balance transfers and purchases.
VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 19.74% p.a.) 0% p.a. for 9 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
VISA/MC: 0 AMEX: 0 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
A low interest rate offer on balance transfers with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 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
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 bonus Velocity Points in the first 3 months. 0% p.a. for 14 months on balance transfers.
10,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months $90 p.a. Go to site More info
BankSA Vertigo Visa
A low interest rate card with a low annual fee and long term balance transfer offer.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 19.74% p.a.) 0% p.a. for 9 months $30 p.a. Go to site More info
Commonwealth Bank Low Fee Credit Card
A low fee credit card with $0 annual fee for the first year combined with up to 55 interest free days on purchases.
VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($29 p.a. thereafter) Go to site More info
BankSA Amplify Classic
The BankSA Amplify is a brand new rewards credit card that allows you to earn more Qantas Points combined with purchase and balance transfer offers.
1 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info
Commonwealth Bank Low Rate Credit Card
$150 cash back offer if you apply online by 14 April 2016 and spend $500 on eligible purchases by 31 May 2016. This is also a low rate card of 13.49% p.a. combined with low annual fee of $59.
VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
BankSA Amplify Signature
Enjoy an introductory offer on purchases and a long term balance transfer offer.
6 months VISA/MC: 1.5 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 20 months $279 p.a. Go to site More info
BankSA Amplify Platinum
Enjoy a generous earn rate, plus the ability to tailor your rewards with your choice of rewards programs.
3 months 1 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
BankSA Vertigo Platinum
Take advantage of the annual fee on the first year offer by applying on or before 30 March 2016. Also enjoy its low interest rate on balance transfers and purchases.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a balance transfer offer of 0% p.a. for 18 month, $100 cashback offer and $0 annual fee for life.
VISA/MC: 0 AMEX: 0 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 a reduced flight offer up to four times a year.
VISA/MC: 1 AMEX: 0 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
NAB Qantas Rewards Card
Enjoy a low interest rate on balance transfers. Earn 30,000 bonus Qantas Points. Apply by 30 April 2016.
30,000 bonus points VISA/MC: 0.5 AMEX: 1 19.99% p.a. 4.99% p.a. for 6 months $95 p.a. Go to site More info
NAB Velocity Rewards Card
Low interest rate offer on balance transfers. A 30,000 bonus Velocity Points. Apply by 30 April 2016.
30,000 bonus points VISA/MC: 0.5 AMEX: 1 19.99% p.a. 4.99% p.a. for 6 months $95 p.a. Go to site More info
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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 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

  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.

      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

  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.

      Thanks,

      Elizabeth

  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 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 February 8th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase 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.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
NAB Premium Card
Long term balance transfer offer with premium benefits such as travel insurance.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months $90 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 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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