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, there are a few factors you should consider to ensure a smooth application process. 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 April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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. Also, enjoy an annual fee waiver in the first year.
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
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Low Fee Card
Enjoy a low annual fee card with a low introductory rate of 0% p.a. on balance transfers for 18 months.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
Qantas American Express Discovery Card
Earn 1 point per $1 spent plus enjoy 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months on balance transfers and an exclusive $129 Virgin Australia Gift Voucher each year.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 12 months and an introductory purchase offer of 0% p.a. for 6 months.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Go to site More info
St.George Amplify Card
A low interest rate of 0% p.a. for 12 months on balance transfers and a purchase offer of 0% p.a. for 6 months.
0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 12 months $79 p.a. Go to site More info
St.George Amplify Platinum
This card features a 30,000 bonus points offer and introductory interest rates on balance transfers and purchases.
0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 12 months $99 p.a. Go to site More info
St.George Amplify Signature
Receive 30,000 sign-up bonus points with low introductory interest rates on purchases and balance transfers.
0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 12 months $279 p.a. Go to site More info
BankSA Amplify Card
The BankSA Amplify Card is a brand new rewards credit card that allows you to earn more Qantas Points combined with low purchase and balance transfer offers.
0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 12 months $79 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
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) Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 16 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. Go to site More info
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Go to site More info
NAB Rewards Classic Card
Receive 40,000 bonus points when you spend $1,500 on everyday purchases within 90 days from card approval, earn rewards points per $1 spent, and enjoy a $0 annual fee for the first year.
19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 p.a. Go to site More info
NAB Premium Card
Take advantage of platinum credit card benefits including higher credit limits and travel insurance, combined with 0% p.a. interest rate on balance transfers for the first 24 months.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

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.

Compare bad credit options here

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.

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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, made sure 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.

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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
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

Credit Cards Comparison

Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. 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. Also, enjoy an annual fee waiver in the first year.
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
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. 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.

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