How do I get a credit card in Australia?

You need to apply for a credit card before you can start using one. This is usually a simple process you can do online in a few steps: Compare credit cards from different providers to find one you want Check that you meet the eligibility requirements (e.g. being over the age of 18 and earning income) Complete the application, including supporting documentation (e.g. your driver's licence details, payslips etc) Before you apply it's important to think about how a credit card fits in with your financial situation. It may be helpful to use a repayment calculator to estimate potential costs and budget for repayments if you don't think you'll pay off what you spend each month. Also keep in mind that lenders check your credit report and score when you apply. So if you want to check these details before that, you can get a free copy of your report and score through Finder.

How to use a credit card (and avoid debt)

A credit card is convenient, but it comes with a risk of debt. Here are 4 tips to help you stay on top of payments. Ask for a credit limit you can manage. Credit card companies must determine your limit based on what you could "reasonably" afford to pay off over 3 years. But if the credit limit you're offered is higher than what you need, you can request a lower limit so you have more control. Pay more than the minimum. Only paying the minimum amount listed on your credit card statement can lead to years of debt and interest charges. So, aim to pay off the total balance by the statement's due date. Plan repayments. Set a monthly calendar reminder for the payment due date, or set up automated payments. Finder's credit card repayment calculator can also help you budget. Get help if you need it. If you’re struggling with your credit card, call your bank or provider to see what support is available. You can also get free financial advice by calling the National Debt Helpline on 1800 007 007 .

What will getting a credit card do to my credit score?

Applying for a credit card impacts your credit score as each application is recorded on your credit file. Multiple applications in a short period can lower your score and missed repayments also negatively affect it. But regular payments and responsible use of a credit card can raise your credit score. It's all in how you use the card.

Can I get a credit card if I have a bad credit history?

Yes, but it’s typically more difficult. It's a good idea to provide as much detail as possible on the application to show you can manage the account. You could also chat to your current bank before applying so they can guide you. If you can't get a credit card, an unsecured personal loan could be another option.

How do credit cards compare to buy now pay later services?

The discussion around credit cards vs Afterpay has been going on for years, but both cards and buy now pay later (BNPL) services have different features. Here's a basic breakdown: Credit cards: You can use a credit card almost everywhere: shops, cafes, online. They just need to accept the type of card you have (Amex, Mastercard, Visa). If you don't pay off your balance in full each month, you'll be charged interest. When you apply, the bank will check your credit score to decide what limit to give you. Buy now pay later: Most BNPL services let you buy items from partnered stores, then pay them off in fixed instalments over a few weeks or months. They don't typically charge interest but may have other fees, especially for late payments. Your credit history isn't usually checked when you apply and your limit will increase with responsible use.

What credit card options are available for people under 18?

Although you can't apply for a credit card in your name while you're under 18, you can consider the following options: Ask to be an additional cardholder on your parents' credit card. If you're at least 16 years of age, your parents may add you as a supplementary cardholder to their credit card account. This means that you will receive a credit card linked to their account, and they will remain legally responsible for all the expenses. Get a prepaid credit card. A prepaid credit card lets you preload the card with money. This means it's technically not a "credit" card because you are responsible for providing the money you spend, but it can be a useful pay-as-you-go option. With a prepaid card, you won't fall into debt, and can usually shop anywhere Visa or Mastercard is accepted (including online). Use a debit card. A debit card is similar to a prepaid card, except it is linked to a bank account. When you use this type of card, you are spending money that you have in the account and don't have to keep loading money like you would with a prepaid card. Most debit cards can be used for contactless payments and mobile wallets like Apple Pay or Google Pay, if you're set up with one of those accounts. Focus on savings. The importance of saving throughout your life is often underrated. Learning to save should be a critical focus, especially before you get a credit card. This will ensure you have funds that you can use when necessary and also prevent unmanageable credit card debt in the future. Before applying for a credit card, make sure that you've researched your chosen card and understood the terms, conditions and eligibility requirements. Rather than thinking of these requirements as restrictive, understand that credit card application requirements help uphold responsible lending practises and protect consumers.

What is the most accepted credit card in Australia?

Visa and Mastercard are the most widely accepted credit cards in Australia . They can be used for both domestic and international purchases, offering broad merchant acceptance and lower fees for use compared to other networks like American Express .

Melanie Huddart, Editor at Finder

Melanie Huddart

Editor

Melanie Huddart joined Finder’s editorial team in 2017, helping to polish up content across niches that include home loans, share trading, shopping and travel. Melanie earned a BA in Specialized Honors English and a BEd from York University in Toronto, Canada. When she isn’t focused on making articles shine, you can find her hanging with her son and her dog, practicing yoga or searching for the next greatest beach.

News

Fit and frugal: 15 million Australians have a New Year’s Resolution for 2026

Aussies are heading into the New Year with a fresh perspective, according to new research by Finder.

Super Funds

3 easy things to do to get your superannuation sorted for the new year

End the year with your superannuation sorted - it won't take nearly as long as you think.

News

5 things to consider if you’re switching your CFD broker in 2026

SPONSORED: Not happy with your current CFD trading service? We take a look at some of the key considerations when you’re switching to a new one

News

Boxing Day mania: Aussies set to spend $3.1 billion on sales

Boxing Day is set to drive a surge in shopping, according to new research by Finder.

Money

Sleighing the budget: Australians plan to splurge $37 billion this festive season

Australians are expected to loosen the purse strings this silly season, according to new research by Finder.

Finder Rewards

Get up to $350 back on your next Optus plan Jan 2026

Switch to an eligible Optus mobile or NBN plan through Finder and score up to $180 in digital gift cards. Offer available for a limited time - here’s how to claim.

Mobile Phone Plans

Finder Optus Mobile and Broadband Switching Promotion (“Promotion”) Jan 2026

What you need to know.