Apply for a Credit Card – Online Credit Card Application

After you've compared credit cards and decided on the one that's right for you, you can choose from the following options to apply for a credit card.

Completing an online credit card application should be quick and easy. It only takes a few minutes to complete your application and you could receive a response within minutes of submitting the application.

How to apply for a credit card

  1. Compare your credit card options
    The first step to finding the right card is comparing what's available to you. If you're unsure of the kind of card you want, you can start your search on our compare credit cards page. You can use the comparison tables to see features of similar cards side by side, or you can click 'More info' to read a review of the card. On our review pages you'll find detailed information of the card including rates, fees, features and benefits. You'll also be able to check the eligibility requirements to see if you're likely to be approved for the card.>
  2. Click through to the online application
    Once you've found the card you want to apply for, simply click 'Go to Site' from the comparison tables or review pages. This will open up a secure online application form that you're required to fill out in order to apply. This application form will be different depending on what card you're applying for.
  3. Provide your details and submit
    You'll need to provide certain information about yourself in the form, which will generally take about 10 to 15 minutes to complete (depending on the card issuer). Take a look at our sections below for a detailed description of what you'll need to provide.

How to apply for a credit card on

When it comes to applying for a credit card, is there with you every step of the way. So how does it work?

Details you need to provide

Personal details

  • Personal details. Details such as your title, name, date of birth, marital status, whether you have any dependent children, your drivers licence number (if applicable), your Australian residency status as well as whether you are an existing customer of the bank will be required.
  • Contact details and address. Applicants usually need to enter up to two phone contact numbers as well as a valid email address.
  • Referee details. You'll need to provide the information of a referee. This usually needs to be someone close to you who has known you for a while, and they usually can't be living with you.

Financial information

  • Income. This is where you enter your regular income from employment. If your monthly income is requested you'll need to divide your annual income by 12. Now, some applications could ask for an annual income, and some may even ask for your income after tax, so read each application carefully and remember to hover your mouse over the information button to get a better sense of exactly what information each field on the application is actually after. You should also check whether before or after-tax income is requested.
  • Monthly expenses. Enter your share of the rent each month and your share of the monthly living expenses.
  • Assets and liabilities. In this section, you'll need to list whether you own any property, the balance of your other accounts, as well as the value of your other assets. The latter of which can include things like cars and computers and almost anything else you own of substantial value. After you've listed all your assets, you'll need to record your liabilities, including the total limit of all your credit cards, the total amount owing as well as whether you have any other loans besides your mortgage.

Your employment

  • Current employment details. Enter your current employment status and your occupation.
  • Employer's address. This is where you enter the details of your employer. This is asked in your application, as credit issuers need to verify your employment before approving your application. If you have only had you job for a short period of time, your credit issuer may request a letter from your employer to confirm that you are no longer on probation.

Your card preferences

At one stage in your application you will be asked about the preferences for your credit card. This may be split up across different stages of your application, such as asking you what credit limit you want at the start of the application and if you want a balance transfer at the end, but you are likely to run into these all of these questions at some stage.

  • Balance transfer. If you want to take advantage of a balance transfer with your new card, you're likely to need to request it when you apply for your new card. You'll need to list the issuers of the current credit cards which you wish to balance transfer. You'll also need to enter their respective card numbers and how much you want to balance transfer from each card.
  • Additional cardholders. The amount of cardholders that can be added will vary from product to product, but when you apply you will need to enter details on each additional applicant. This includes  their title, first and surnames, date of birth and any other details that are required.
  • Credit limit. You will be able to request a certain credit limit or have the issuer offer you a credit limit. Whatever limit you are approved for will depend on your current financial circumstances.

  • Credit limit increase invitation. Credit issuers aren't able to offer you credit limit increase invitations unless you request that they send them to you, and you will need to answer this on your application. If you select 'yes' to receiving credit limit increases, you can elect to have them stopped later on.

Reviewing your application

In the review section, you'll get a summary of all the details you've entered as part of your application. Check that they are all correct as this is the last chance to confirm the accuracy of your application before you submit it. Please remember that once you click 'Submit', the application will be processed and an enquiry mark will be recorded on your credit file. Most online applications will offer you a response within a minute or two of applying. You may be approved, conditionally approved, declined, or the bank may need more information from you.

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2 Responses to Apply for a Credit Card – Online Credit Card Application

  1. Default Gravatar
    Barnabas | May 24, 2013

    Hi, I am a new customer , and I would like to know if I could apply a credit card from my country, here in Kiribati , please help me to find a best credit card suitable for me, so I can buy things from online stores etc,
    Warm regards. Barnabas.

    • Staff
      Jacob | May 24, 2013

      Hi Barnabas. Thanks for your question. The cards listed on this site are available to permanent Australian residents only and people who have a long-stay Visa. I believe ANZ has a branch on one of the Islands? You may be able to contact them to see if you can get a card. I spoke to the tourism office and they said best to speak to ANZ directly. If you’re just looking to use the card to purchase goods online, you may want to consider an online Visa Card or a pre-paid credit card. Check this page, you can pre-load funds on to this card and use it to shop online. Hope this helps. Jacob.

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