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Instant approval credit cards

You can compare credit cards that offer you a response in 60 seconds or less, check that you meet the eligibility criteria and apply online in 4 easy steps.

Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee
Westpac Low Rate Card
0% for 28 months, then 21.49%
Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.
Westpac Low Rate Card - Cashback Offer
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.
NAB Low Rate Credit Card
0% for 28 months with 2% balance transfer fee, then 21.74%
$0 first year ($59 after)
Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
Virgin Money Low Rate Credit Card
0% for 15 months, then 21.69%
Offers 0% p.a. for 15 months on balance transfers, with no balance transfer fee.
Qantas American Express Ultimate Card
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
Get 60,000 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
Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% for 24 months, then 20.99%
$0 first year ($129 after)
Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.
Qantas American Express Discovery Card
Earn uncapped Qantas Points for every $1 dollar spent, plus an ongoing $0 annual fee.
St.George Amplify Signature
0% for 24 months with 1% balance transfer fee, then 21.49%
$199 first year ($295 after)
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.
Westpac Altitude Black
$150 first year ($295 after)
Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).
American Express Low Rate Credit Card
Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.
Qantas Premier Everyday
0% for 12 months, then 21.99%
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
American Express Velocity Escape Card
Save with an ongoing $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
American Express Platinum Card
Earn 150,000 bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit each year.

What is an instant approval credit card?

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

Credit cards for applicants with bad credit

Make sure you check the eligibility criteria before you apply for any credit card. If you don't meet these requirements, your credit card application won't be approved and could affect your credit score. If you have bad credit history, you can work on improving your credit score or consider an alternative form of credit.

How does instant credit card approval work?

Credit card issuers that offer instant approval aim to respond as quickly as possible. With an instant credit card application, the bank or card provider assesses key details from your application and credit history within a few seconds.

This process means you get an outcome almost as soon as you submit your application. If you're approved, you'll usually get your card in the mail within 5-10 business days. There are also some virtual credit cards you could set up and start using straight away, such as the Westpac Flex or MONEYME Freestyle Virtual Card.

When approval may take longer

If you're not approved or the credit card provider needs more details (sometimes known as "conditional approval"), they may ask for additional documentation such as payslips and bank statements. From there, it could take about 2-5 business days to receive the final outcome.

How can I get an instant approval credit card?

An instant approval credit card gives you a simple way to apply online and get your credit card as soon as possible. But it does not guarantee approval of your credit card application. So if you want to improve your chances of instant approval, these 4 steps will help you complete the application properly.

Step 1. Compare your options

As it's fast to 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 suitable card. Details to consider include:

  • The annual fee
  • The purchase interest rate
  • The cash advance interest rate
  • Introductory offers (e.g. bonus points or a promotional 0% interest rate)
  • Rewards and other perks

When you're comparing cards, think about how you plan to use it and what's most important to you so that you can narrow down your choices.

Step 2. Check the eligibility requirements

Each credit card has different eligibility criteria you need to meet before you can apply and get approved. This usually includes:

  • Age. You have to be at least 18 years of age to apply for any credit card in Australia.
  • Residency status. Depending on the card, you might only be able to apply if you're a permanent Australian resident or citizen. Some banks do offer cards for temporary residents – Finder's guide gives you details on what's required.
  • Income. You'll typically need to show proof of regular income and/or meet a minimum income requirement if one is listed. If you're worried about meeting the minimum income requirement, you could compare low-income credit cards.
  • Credit history. Most banks only accept applicants who have a good credit history with no evidence of defaults. Details such as late payments and other recent applications for credit can also have a negative impact on your credit score. If you have a low credit score, spend some time repaying existing debts and improving it before you apply for a card.

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Step 3. Get your documents and details ready

When you apply for a credit card online, you need to provide personal and financial details, plus supporting documents, before you can receive instant approval. Usually, this includes:

  • Proof of identity. Such as your driver's licence, passport or Medicare card.
  • Personal details. Your full name, residential address, living situation and contact details.
  • Employment and income. Proof of employment and income, including your employer's details and recent payslips. Other proof of income could include ATO statements and your accountant's details if you're self-employed, or evidence of your Centrelink payments or superannuation payments if you're retired.
  • Balance transfer details. If you're applying for a balance transfer, you'll need to provide details of your existing account and the amount you want to transfer to the new card.

Having these details ready before you start the application helps speed up the process when you apply for a new credit card.

How some credit cards offer faster income verification

When you apply for a credit card online, you may be asked to log in to your internet bank account through a secure, third-party service. This is a fast way for lenders to verify your income and any other relevant financial details. It's also used for some personal loan applications.

If you don't want to provide these details, the lender may offer alternatives. For example, with American Express you can log in to your internet bank account when you apply or upload or email supporting documentation.

Step 4. Apply online

The online application should only take around 10 to 15 minutes if you have all your details ready to go. 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.

As long as you meet the eligibility criteria and complete the application properly, most credit card issuers in Australia offer instant approval. But as any declined applications will hurt your credit score, it's important to compare your options and check that you meet the card's requirements before submitting an application to increase your chances of approval.

Reasons why your credit card might have been declined

Frequently asked questions

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

If you already have bad credit, then it will be more difficult to get approved for a credit card straight away. So even if you apply for a credit card that offers a response within 60 seconds, it 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 need to provide further details before you can get your credit card fully approved.

Keep in mind: Every application you make is listed on your credit report and can lower your credit score. If you're worried about your score, improving it before you apply can increase your chances of approval.

Can I get instant credit card approval without a credit check?

In Australia, there are no credit card providers that will give you a credit card without doing a credit check. This is to ensure that they don't take on excessive risk and that people who should not be issued credit do not get further into credit card debt.

Which banks offer instant virtual credit cards?

Bankwest, Bendigo Bank, Latitude Financial, MONEYME and Wizit are financial institutions that offer virtual cards you can start using once your application is approved. Usually, you will need to have an eligible digital wallet or app to be able to activate and use the virtual card. So, check these details before you apply.

Are there business credit cards that offer instant approval?

Some business credit cards may offer an outcome within a few minutes of submitting an application. If you meet the eligibility criteria, that's as close as you'll get to instant approval. Some business credit cards and expense management plans also offer instant, virtual cards for employees, such as Volopay or Cape. Check out Finder's guide to business credit cards to compare your options.

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