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Instant approval credit cards comparison

Compare credit cards that offer approval in 60 seconds or less when you apply online.

When you apply for a credit card online, you'll often get a response within 60 seconds of submitting the application. If you're successful, this the closest you can get to an "instant approval" credit card in Australia.

But if you want to get instant approval when you apply for a credit card, you still need to meet the card's eligibility requirements and complete the application form. Use this guide for everything you need to know to increase your chances of success when applying for an instant approval credit card.

Compare Credit Cards with 60-second approval

Rates last updated December 14th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
St.George Amplify Signature - Qantas
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Save with 0% p.a. interest for up to 24 months on balance transfers with no BT fee. Plus, platinum perks. Ends 17 December 2018.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
St.George Amplify Platinum
19.49% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 50,000 bonus Amplify Points when you spend $2,000 within 90 days and save with a $0 annual fee for the first year.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
St.George Vertigo Classic
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
Westpac Altitude Black - Qantas
20.24% p.a.
$300 p.a.
Earn 80,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
St.George Amplify
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, earn 1 Amplify Point per $1 spent on eligible purchases, uncapped.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
NAB Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$195 p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Qantas Rewards Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a.
Receive 90,000 bonus NAB Rewards points, worth over $450 in gift cards or 45,000 Velocity points when you meet the spend requirement.
Qantas Premier Everyday
0% p.a. for 9 months (reverts to 19.99% p.a.)
0% p.a. for 9 months
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
Westpac Altitude Platinum Card
20.24% p.a.
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
BankSA Amplify Signature - Qantas
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Receive 80,000 bonus Qantas Points when you spend $4,000 within 90 days. Plus, a discounted first year annual fee and lounge passes.
BankSA Amplify Platinum - Qantas
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Qantas or Amplify Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas points per $1 spent.
Virgin No Annual Fee Credit Card
18.99% p.a.
6.9% p.a. for 36 months
$0 p.a.
Offers a balance transfer rate of 6.9% p.a. interest for 36 months and up to 44 days interest-free on purchases, all for a $0 annual fee.
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info

Compare up to 4 providers

Credit cards for applicants with bad credit

You'll only receive instant approval for a credit card if you meet the eligibility requirements and include all the information that's asked for on the application. If you have a bad credit score or are unable to meet the eligibility requirements, you won't be accepted. If you have a bad credit history, you can work on improving your credit score or consider an alternative form of credit. As rejected applications can hurt your credit score even further, it's important to consider these conditions before applying.

How do instant approval credit cards work?

Credit cards that offer "instant" approval are designed to give you a response as quickly as possible when you apply online. These cards usually give you a response within 60 seconds from when you submit your completed application. If you're approved, you'll usually receive your new credit card within a week or two.

With an "instant" credit card application, the credit card issuer has a system in place to assess key details from your application and credit report within a few seconds. The result is that you get a response as quickly as possible.

How can I get an instant approval credit card?

An instant approval credit card offers you simple way to apply online and receive your credit card as soon as possible. To improve your chances of instant approval, though, there are a few steps you'll need to take to make sure you've completed your application properly.

Step 1. Compare your options

couple smiling at laptopAs you can apply for most credit cards online and get approval within 60 seconds, it's important to compare your options first so that you can get a card that suits your needs.

The key details to consider are credit card rates and fees that may apply, including the purchase rate, cash advance rate, annual fee and any promotional rates of interest. You should also weigh up other features that may add value to the account, such as rewards and complimentary extras.

Step 2. Check the eligibility requirements

Before you can get approved for a credit card, you'll need to make sure you're actually eligible to apply for the card. The eligibility criteria varies between credit cards but often includes the following:

  • Age. You have to be at least 18 years of age to apply for a credit card in Australia.
  • Good credit history. Most banks only accept applicants who have a good credit history with no evidence of defaults. Other details, such as late payments or other recent applications for credit, could also have a negative impact on your credit score.
  • Residency status. Depending on the card, you might only be able to apply if you're a permanent Australian resident. Some banks do offer cards for temporary residents, so you can use our guide to compare your options.
  • Income. You may need to meet a minimum income requirement to receive approval for the card. If you don't meet the income requirement of a card, you might want to compare low-income credit cards for more choice.

Step 3. Collect the necessary documents and information

When you apply for a credit card online, you'll be required to provide a number of documents and personal information before you can receive instant approval. Usually, this includes:

  • Proof of identity. You'll be asked to provide proof of your identity such as your drivers licence, birth certificate or medicare card.
  • Personal details. You'll need to provide your full name, residential address and contact details.
  • Employment and income. You'll need to provide proof of employment and income, including the details of your employer and recent pay slips. If you're self-employed you'll need to provide your accountant's details and if you're retired, you'll need to provide evidence of your Centrelink payments or assets.
  • Balance transfer details. If you're applying for a balance transfer, you'll need to provide the details of your existing account and the amount you're transferring during the application.

Having these details on hand before you begin your application will help speed up the process when you apply for a new credit card.

Step 4. Apply online

Once you've compared your credit card options, confirmed you meet the eligibility criteria and organised the necessary documents, you can click on the "Go to Site" button to begin your secure online application. This should only take around 10 to 15 minutes if you have all of the relevant details handy. Once you've submitted your application, you should receive your response within 60 seconds. You'll either be approved, rejected or contacted by the bank for further details.

Can I get an instant approval credit card with bad credit?

While most online credit card applications offer a response within 60 seconds, this doesn't always mean you'll get "instant approval". If there are issues with the details you've provided or with your credit history, your application may be declined or result in "conditional approval" – a term which usually means you'll need to provide further details before you can get your credit card fully approved.

If you already have bad credit, then it will be more difficult to get approved for a credit card straight away. What's more is that every application you make will be listed on your credit file and could add to your bad credit rating. So if you're worried about your credit score, focusing on improving it before you apply can help improve your chances of a successful application.

Reasons why your credit card might have been declined

Instant approval credit cards are an easy way to apply for a credit card online and get your credit card sooner. As instant approval credit cards still require you to meet the relevant eligibility requirements, it's important to compare your options and prepare your application before submitting it to improve your chances of approval.

Pictures: Shutterstock.

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Credit Card Offers

Important Information*
Citi Clear Platinum Credit Card

Interest rate

12.99

Annual fee

0*

*$99 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58
Suncorp Clear Options Platinum Credit...

Interest rate

20.74

Annual fee

49*

*$129 p.a. after first year

Credit Cards Comparison

Rates last updated December 14th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.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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