You can apply for a credit card online in around 15 minutes and get a response in 60 seconds. Here’s how to make the process as easy as possible.
Most credit cards offer a simple online application that covers your basic personal, household and financial details. Depending on the card, you could also get a response within 60 seconds of submitting your completed application. So if you’re successful, this is as close as you’ll get to an “instant approval” credit card in Australia.
The key to making an online credit card application as easy as possible is being prepared. Use this guide to learn what details you need to provide and find answers to some of the most common questions about online credit card applications so you know what to expect for your next application.
Online credit card application checklist
- Eligibility requirements. Typically, you need to be at least 18 years of age and an Australian citizen or permanent resident. There may also be a minimum income or credit history requirement.
- Personal details. This includes your full name, birthdate, relationship status and residential status. You also need to share your contact details, including your home and postal address, email address and contact number.
- Identification. You need to provide your driver’s licence number, or another form of ID such as your Medicare number or passport.
- Employment. This includes your current role, pre-tax salary and your employer’s contact information (or accountant’s details if you’re self-employed). You may also need to share details of previous jobs.
- Other income. If you get payments from Centrelink, a pension or even dividends from investments, make sure you add these details to your credit card application so the provider has an accurate picture of your total income.
- Assets and debts. This includes details of any savings or other assets, such as property, as well as existing debts such as a mortgage, personal loan or other credit cards.
- Household expenses. Credit card applications include a section where you provide details of your regular expenses, such as gas and electricity bills, rent and mortgage payments, as well as groceries and other essentials.
- Balance transfer information. If you’re transferring an existing debt to the new card, you will be asked for the account name and number, the provider’s BSB, the type of debt and the amount you want to move to the new account.
Credit card features
When you’re filling out an online credit card application, you will also be asked whether you want to request a specific credit limit for the new card or if you want the provider to assign one to you. As well as the credit limit, you could be asked if you want to get an additional card for someone, what type of rewards you want to earn or your frequent flyer number. These questions vary depending on the card.
During or after you have submitted your online credit card application, you may also be asked to submit documents that support the details you provide. This could include:
- A photocopy of your ID
- Two to three recent payslips
- Your most recent tax statement
- Recent bank statements and/or bills
Typically, you can upload these documents via the provider’s website. You may also be able to submit them in-person at a branch.
What happens after submitting an online credit card application?
If you applied for an “instant approval credit card”, you should get a response within 60 seconds of submitting your completed application. When you’re successful, you will receive account details and your new card should arrive in approximately 10 business days (although it could be longer in some cases).
Some credit card providers may not offer an outcome straight away. In that case, you’ll get details on the length of time the provider will require to assess your application – usually between 5 to 10 business days. Usually, you also get an application reference number that you can use if you have any questions during this process.
FAQs about credit card applications
What banks offer online credit card applications?
You can apply for a credit card online with ANZ, CommBank, NAB, Westpac, St.George, Citi, HSBC and most other major banks. In fact, the majority of providers in Australia prefer online credit card applications to in-branch or phone applications.
What is an “instant approval credit card”?
This is a term that’s sometimes used for credit cards that respond to your application within 60 seconds from your online submission. However, this phrase is misleading because there is no guarantee of approval – it always depends on your individual circumstances and provider’s lending criteria.
What are easy credit cards to get approved for if I have bad credit?
It’s difficult to get approved for a credit card when you have bad credit or even just limited credit history. Instead of applying for a new card straight away, you can increase your chances of approval by focusing on improving your credit score. Learn more about credit card options when you have bad credit in this guide.
Are online credit card applications safe?
The short answer is yes. Online credit card applications use secure, encrypted web pages that help protect your details so that all the information you share is private.
You can check the application’s security by looking for “https” at the start of the web address, a padlock icon in the address bar, or even the word “Secure”. You can click on the padlock or “Secure” icon in the address bar to view security information.
All online credit card applications also include a privacy statement that explains how your information is stored and used. Essentially, the provider must keep all the information you provide private and secure, unless you give them permission to share it with affiliates.
How can I check the status of an online credit card application?
During the application process, you’ll receive a reference number, usually after you have completed and submitted your application. To check on your application, quote this reference number when you contact the credit card company.
Some online credit card applications also give you the option of setting up an account (or applying through an existing account if it’s with your bank). When that’s the case, you should be able to track your application by accessing your account online.
Can I get a copy of the online credit card application?
While you generally won’t need a copy of the application once it’s submitted, some providers may send you a copy of your application or allow you to download it. Another option is to take screenshots or print out each page as you go through the application.
While the online credit card application process is simple, it can take time if you’re not prepared. So make sure you have all the relevant details and documents ready to go – and remember to compare several cards before you apply so that you can find one that’s right for you.
Compare Credit Cards with 60 second approval
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