Online Credit Card Application – Fast, Easy, Instant Response

Find out how easy it is to make an online credit card application. Know what information you will need so the whole process takes less than fifteen minutes out of your day.

Fast Online Credit Card Application

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The simplest, quickest and easiest way to apply for a credit card is with an online credit card application. The whole process only takes ten to fifteen minutes and you usually receive a response within one minute. This will be based on the information you have input and will be subject to verification in some cases.

Before you get started, you just need to have certain information readily available. Any application that is interrupted and on which there is no action for fifteen to twenty minutes is timed out for security purposes and your online credit card application will need to be started afresh.

Information required for an online credit card application

Although there may be slight differences in what credit card providers ask for, this is generally what you will need to hand to make the application process a quick one:

• 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 want to include
• Australian driver’s licence number, if applicable
• Income details, which usually needs to be at least $15,000 p.a. for a regular credit card, and higher for gold and platinum cards
• Details of expenditure, debts and assets – Such as monthly expenses, mortgage, unpaid loans, and any property owned
• Employer’s details – Name, address and contact number as listed in the White Pages, and the same for your accountant if you are self-employed

Apart from this, you must satisfy the online credit card application criteria. This is pretty standard across the industry. You will need to be at least 18 years old, be a permanent Australian resident (exceptions can exist), and have a good credit history.

Once you have completed the application form, you will have a chance to review it before submitting to check for any errors or omissions.

If your online credit card application is approved and you are not already a customer of the bank providing the card, you will need to appear in person at a branch of the bank with documents to verify your identity, which is according to Australian law. You may also have been asked to bring along evidence to support information you provided on your application form.

After this, your credit card will normally arrive within five business days, and your PIN will arrive separately.

Making on online credit card application is a safe and secure process as all Australian banks employ the latest encryption software to ensure your details are kept secure.

• Comparison of Top 10 Credit Card Offers

Editor's Choice: Our Top Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0