Online Credit Card Application – Fast, Easy, Instant Response

Information verified correct on September 26th, 2016

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.

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.


St.George Vertigo Visa

Fast Online Credit Card Application

The St.George Vertigo Visa offers great low interest rates on purchases and balance transfers.

  • $55 p.a. annual fee
  • 1% p.a. for 12 months (reverts to 13.24% p.a.) on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

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.

Credit Card Finder®’s Role for the Online Application Process

The sequence of events will typically unfold as follows:

Credit Card Finder® features secure VeriSign encryption when redirecting you to an Australian bank's application form.

  1. User reaches Credit Card Finder® either in search of credit card comparison or credit card information. User engages in credit card comparison and ultimately finds the credit card they are interested in applying for.
  2. User finds a credit card they are interested in and clicks on either ‘Find out more‘ or ‘Go to site‘. Both lead to the same site – the official product page from the bank’s website. On the product page you will find the terms & conditions and product disclosure statement, along with an area for you to fill out your application.
  3. If you apply for your credit card via the bank’s online application form, you can typically expect to get a response regarding the state of your application in 5-10 business days.
  4. If you’re approved, then it will take approximately 5 working days for your card to be sent in the mail. Some providers give the option of picking up your credit card from the bank branch instead of receiving it in the mail.

Ultimately, we have play no part in the application and approval process. We simply inform and redirect users. Any queries you may have should be directly with the banks online customer service.

Any personal details you submit online via the bank’s online application form will be protected as standard by SSL technology, which hinders anybody who would attempt to intercept your personal information.

Online Application Credit Cards

Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Qantas Discovery Card
Enjoy up to 7,500 extra 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
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2 Responses to Online Credit Card Application – Fast, Easy, Instant Response

  1. Default Gravatar
    Christopher | July 6, 2011

    i am looking for a credit card for my business??

Credit Cards Comparison

Rates last updated September 26th, 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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