The Online Credit Card Application Process

Best Online Application Card

The ANZ Balance Visa is a great balance transfer card and is the only one in Australia that rewards you for reducing your balance each month. It is also easy to apply for this card online and you will receive a response within 60 seconds.

• $79 annual fee
• 14.24% p.a. on purchases
• 0% p.a. for 6 months on balance transfers
• Cash Advance Rate of 21.49%
• This card also features a low ongoing rate on purchases

Click here to read the ANZ Balance Visa terms and conditions

From time to time, we receive emails from users requesting the status of their credit card application, or whether they will be approved or not.

Credit Card Finder is an independant third party reviewer and comparer of Australian credit cards: While we promote credit cards on behalf of financial providers, any application details are not passed through us. The sequence of events will typically unfold as follows:

• 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.

• User finds a credit card they are interested in and clicks on either ‘Find out more‘ or ‘Apply now‘. 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.

• 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.

• 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.

• 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