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How to check your credit card application status

If you have applied for a new credit card and are waiting for an outcome, here's what you can do to check its status.

When you submit a credit card application online, you'll usually get a response in around 60 seconds. But the actual outcome of your application could take longer. So if you want to check on the application status, the first step is contacting the bank or provider directly.

How can I check my credit card application status?

Every credit card provider in Australia has a slightly different application process, so waiting times will vary. But if you haven’t received a response to your application and want to know more, use the table below to find out about the standard waiting times and how to check the status of your application.

Credit card provider
Application details
Contact number
american express logoYou should receive a response within 60 seconds of submitting your credit card application online. If you have any questions, you can call American Express for further details.1300 557 743
Monday–Friday, 8am–6:30pm (Sydney time)
anz logo smallAfter you submit your application for an ANZ credit card, you'll get a response within 60 seconds and receive an application reference number. To check your ANZ credit card application status, call the bank and quote this reference number.13 33 33
Mon-Fri: 8am-8pm
bom logo smallOnce you submit your application online, you'll get an initial response within 60 seconds. To check your application online, Bank of Melbourne provides you with an application number and password. You can also receive an email or SMS with your application status or call 13 22 66 to follow up.13 22 66
24 hours, 7 days a week
citi logoCiti provides you with an application ID or reference number via email after you apply. This email also has a link which you can use to check the status of your application online. Alternatively, you can call customer service on 13 24 84.13 24 84
24 hours, 7 days a week
coles logoYou will get a response from Coles within 60 seconds of submitting your credit card application online. If you want to follow up, Coles provides you with a reference number via email after you apply. This email also has a link which you can use to check the status of your application online.1300 306 397
24 hours a day, 7 days a week
Commonwealth Bank TransparentIf you are an existing CBA customer, you can track the status of your application in NetBank. You can also submit an enquiry via CommBank app. Otherwise, call CommBank to check the application status.13 22 21
Mon-Fri: 8am-7pm
Sat: 9am-2pm
hsbc provider logoYou'll get an initial response from HSBC within 60 seconds. Check your application status online using your date of birth and application reference, or other personal details. You can also call HSBC to ask for an update.132 152
24 hours a day, 7 days a week
Fill out an online enquiry form via the imb website, or call customer service for application updates.133 462
Mon-Fri: 8am-8pm
Sat: 9am-4pm
latitude financial logoLatitude Financial Services has dedicated phone numbers for individual cards, which we've listed here.Latitude 28° Global Platinum Mastercard: 1300 552 079
Gem Visa:
1300 630 977
GO Mastercard:
1300 462 273 Latitude Mastercard: 1300 882 289
nab-logoYou should get a response from NAB within 60 seconds of submitting your credit card application online. To follow up, you can use the live chat service on the NAB website, send an email through the secure message form on the website or call NAB.13 22 65
Mon-Fri: 8am–7pm
Sat-Sun: 9am–6pm
peoples-choice-cu-logoThe People's Choice website doesn't have details on how long the application will take, but you can call to check its status. If you’re an existing People's Choice customer, you could also send a secure mail enquiry using Internet banking.13 11 82
Mon-Fri: 8am-8pm
Sat: 8:30am-4:30pm
Once you submit your application online, you'll get an initial response within 60 seconds. To check on your application after that, you can call St.George, log on to the St.George website or check for updates via email or text messages.13 33 30
24 hours, 7 days a week
virgin money logoAfter you've submitted your application, you'll be given a reference number. You can use this to check your application status online through the Virgin Money website.1300 335 213
Mon-Fri: 8am-8pm
Sat: 8:30am-5:30pm
westpac logoYou'll receive an initial response after you submit your Westpac credit card application online. You can then track your application online by providing your reference number and some personal security details, chat with a representative online or call Westpac's general enquiries number.132 032
Mon-Sun: 8am-8pm

Applied for a credit card with a provider that's not in this list? You should be able to check the status of your application with one of the following options:

  • Check your email (inbox and spam) to see if you've been sent confirmation of the application
  • Call the customer service team
  • Visit a branch

Why is my credit card application taking so long?

Most credit card companies offer a response within 60 seconds when you apply online. But if the credit card provider needs more information or doesn't offer "instant approval", it could take a few business days or a couple of weeks to find out if you're approved.

If you're still waiting to hear back about your credit card application, here are some of the most common reasons for a delay:

  • Not enough information. If you haven't given enough details on your application, or if the information is incorrect, the provider may need to contact you to get the right information.
  • Credit issues. If you have black marks on your credit report, the provider may want to look at them in more detail before completing its assessment of your application. Get your free credit score here and ensure your financial history is in good standing before you apply.
  • High demand. Sometimes a provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a competitive introductory credit card offer available.
  • Incomplete applications. If you have missed a step in the application process this will hold up the application until you have provided all the information that the bank requires. Before you submit your application, it's important to review your application and ensure you've completed the relevant sections and provided all of the necessary information.

How can I speed up the application process?

It's possible the application process could be quicker if you’re an existing member of the bank, because they'll already have some of your details on hand. For example, NAB customers can use their NAB ID to prefill personal information on a NAB credit card application and CommBank customers can use their NetBank details. You just need to login to your existing account before starting the application.

Remember: Check that you meet the eligibility requirements and make sure you have all the relevant documents and details before you apply. This simple step helps speed up the process even if you're new to the bank.

Finder survey: How many times have people been declined for a credit card?

ResponseMaleFemale
021.62%18.97%
12.82%1.9%
21.69%1.55%
30.38%0.17%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023

Mistakes to avoid

Here are some of the common issues to avoid when you're applying for a credit card or waiting for a response:

  • Making multiple applications. You may be tempted to apply for another credit card while you’re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.
  • Credit report mistakes. If your credit card was rejected and you’re unsure why, make sure you’ve met the eligibility requirements and order a copy of your credit report. If you find a genuine error on the report, contact the credit card provider and credit reporting body to initiate an investigation to correct the error.
  • Customer service delays. It could take days or weeks for a bank to respond to an email enquiry and you’re to expect wait times when contacting the customer service phone line. Before calling, make sure the number you're calling is toll-free. If it isn’t, avoid calling early in the morning, at lunchtime or after 5pm when you could be on hold for a long time.

Want a better way to check your credit score?

Banks know your credit score, so why shouldn't you? The Finder app updates your score automatically each month and lets you know if it changes. Pop in your phone number below to get your download link.

Waiting to hear back about a credit card application right now? You can contact the provider to find out what's going on. Or, if you're getting ready to apply for a new credit card, get some more tips on the application process and compare some of the latest offers so you can get your next card as quickly as possible.

Compare Credit Cards with 60 second approval

1 - 10 of 122
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
St.George Vertigo Card
Purchase rate p.a.
13.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 1% balance transfer fee, then 21.49%
Annual fee
$55
Go to siteMore Info
Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
Westpac Low Rate Card
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.49%
Annual fee
$59
Go to siteMore Info
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
Westpac Low Rate Card - Cashback Offer
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$59
Go to siteMore Info
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Qantas American Express Ultimate Card
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
60,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Go to siteMore Info
Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
American Express Velocity Platinum Card
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
100,000
Points per $ spent
1.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$375
Go to siteMore Info
Get 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
American Express Explorer Credit Card
Membership Rewards
Purchase rate p.a.
23.99%
Bonus points
50,000
Points per $ spent
2
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$395
Go to siteMore Info
Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
ANZ Platinum Credit Card
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$0 first year ($87 after)
Go to siteMore Info
Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
St.George Amplify Signature
Amplify Rewards
Purchase rate p.a.
19.49%
Bonus points
150,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.49%
Annual fee
$199 first year ($295 after)
Go to siteMore Info
150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
American Express Low Rate Credit Card
Finder Award
Purchase rate p.a.
10.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
Go to siteMore Info
Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.
American Express Velocity Escape Card
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
N/A
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
Go to siteMore Info
Save with a $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
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