Instant approval credit cards comparison

Apply for a new credit card and get approved instantly within 60 seconds or less.

When you apply for a credit card online, it's not uncommon to receive approval within 60 seconds or less. Once your card is approved, you should usually receive your card and start spending within a week or two. If you want to receive instant approval on your next credit card application, you will still need to meet the card's eligibility requirements. Use this guide for everything you need to know to increase your chances of success when applying for an instant approval credit card.

ANZ Platinum Credit Card - Exclusive Offer

ANZ Credit Card Offer

An exclusive offer from ANZ which gives you an access to platinum card benefits, introductory rates on balance transfers and purchases, plus an annual fee waiver in the first year.

  • $0 p.a. annual fee for the first year ($87 p.a. thereafter)
  • 0% p.a. for 3 months (reverts to 19.74% p.a.) on purchases
  • 0% p.a. for 12 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $35,000 p.a.

Compare Credit Cards with 60-second approval

Rates last updated July 23rd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
Virgin Australia Velocity Flyer Card - Exclusive Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to earn bonus Velocity Points for the first three months and a $129 Virgin Australia Gift Voucher each year.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
HSBC Platinum Qantas Credit Card
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
Qantas American Express Discovery Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
ANZ Low Rate
12.49% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$58 p.a.
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 20 months
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Enjoy platinum card benefits with a 24/7 personal concierge and complimentary overseas travel and medical insurance.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Get up to 44 interest-free days on purchases and take advantage of a low minimum credit limit.
NAB Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months
$250 p.a.
A dual Amex and Visa card that earns up to 1 Qantas Point per $1 spent on eligible purchases, plus a 24/7 personal concierge.
NAB Velocity Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
NAB Velocity Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
NAB flybuys Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.
NAB Qantas Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
NAB Low Rate Credit Card
13.99% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$59 p.a.
Receive up to 55 days interest-free on purchases, special offers from Visa Entertainment and Tap and Pay capabilities.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months
$195 p.a.
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal credit card for students with up to 44 days interest-free on purchases. Access your account on the go with the goMoney™ app.

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 provide all of the relevant documents. 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 for applicants with poor 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?

Most banks Australian banks and credit card issuers allow you to apply for cards online. While the application might take around 10 minutes to complete, you'll usually find out the fate of your application within 60 seconds or less. The credit card issuer can access the online national credit bureau and can calculate their response using your credit status almost instantly. It's only if there's an issue with your application or credit history that it might take longer than 60 seconds for the bank to process. As well as instant approval, applying for a credit card online also has some security benefits. Your application will be protected by 128-bit encryption and an online application is easier to track, reducing the chance of lost documents.

Like any other credit card application, though, your approval will depend on your credit history, income and the information you included in your application.

How to apply for an instant approval credit card in 4 steps

An instant approval credit card is an easy way to apply online and receive your credit card as soon as possible. To improves 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.

cute-couple-smiling-at-laptop-

Step 1. Compare your options

As you can apply for most credit cards online and offer instant approval within 60 seconds, it's important to compare your options before applying. Rather than basing your decision on the fact that you could potentially receive approval within 60 seconds, make sure to consider the fees (such as the annual fee and late repayment fees), rates (such as purchase rates, cash advance rates and balance transfer rates) and features (like rewards programs, balance transfer offers, purchase offers or complimentary insurance). Make sure that you can afford the card it offers the extra features that you need to manage your credit.

Step 2. Check the eligibility requirements

While you could receive approval within 60 seconds, you won't receive approval at all if you don't meet the eligibility requirements. Some of the criteria you'll be expected to meet include:

  • Good credit history. Most banks only accept applicants who have a good credit history with no evidence of defaults.
  • Residential 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'll 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 attach a number of documents and provide some personal information to receive instant approval. Some of the personal information you'll need to provide 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.

To ensure a smooth and quick application process, make sure you have these details on hand before you begin your application.

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 select 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, if the bank needs to investigate a detail of your application in further detail, left pending.

What to do if your credit card application is declined

If your application is rejected, you shouldn't apply for another credit card straight away. Applying for several credit cards in a short period and having rejected applications on your credit file can further damage your credit score.

Instead, review the eligibility requirements, your credit score and credit history and the necessary documents to narrow down some of the reasons you weren't approved. Once you've done this, you can spend some time improving your credit history or comparing other credit cards. Ideally, you shouldn't apply for another credit card for a few months to give your credit score some time to repair following the rejected application. Use our guide on reasons why your credit card might have been declined to get started.


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.

Back to top

Read more on this topic

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

Credit Cards Comparison

Rates last updated July 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to earn bonus Velocity Points for the first three months and a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

* 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.

Ask a question
feedback