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Easy Credit Cards: Easy Online Application & Instant Approval

Get approved for a credit card in less than 60 seconds. Easy credit card applications only take 15 minutes to complete and provide a response within 1 minute.

Fortunately, that would cover the vast majority of credit card applications when made online. Credit card issuers who do not allow such an easy process are in danger of losing customers, especially in such a competitive marketplace.

You can make for an easy credit card application by being realistic. Applying for a Platinum card when you are studying or working with a low income will find you out, and any application you make is logged on your credit history. Only apply for the level of card you can reasonably expect to be approved for. Different criteria will apply depending on the type of card. Income is a key factor, along with Australian residence (although not in all cases); you must also be over eighteen, and your credit rating must be good. If unsure you may want to order a credit report.
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Steps to ensure a smooth online application

  • Get your credit score and/or credit file
  • Ensure you meet the minimum requirements
  • Have all your financial, employment and identification details ready

Compare Credit Cards with 60 second approval

Rates last updated November 19th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 24 months
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee when you apply online by 31 January 2018.
St.George Vertigo Visa - Online Offer
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 18 months
Take advantage of 0% p.a. for 18 months on balance transfers (with no BT fee). Plus, $0 annual fee in the first year. Ends 13 December 2017.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$79 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Receive up to 55 days interest-free on purchases and free worldwide emergency card replacement.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 44 days interest-free on purchases.
McGrath Pink Visa
4.99% p.a. for 8 months (reverts to 8.99% p.a.)
Up to 55 days on purchases
$40 p.a.
4.99% p.a. for 8 months
A basic, no-frills credit card with up to 55 days interest-free that donates half of the card's annual fee to the McGrath Foundation.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$99 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Receive complimentary international travel insurance, extended warranty cover and 0% foreign transaction fees.
Bank of Melbourne Vertigo Visa Credit Card
13.24% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive up to 55 days interest-free on purchases and the protection of Verified by Visa online purchases.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$100 p.a.
4.99% p.a. for 6 months
A platinum card that offers 0% p.a. for 9 months on purchases. Plus 4.99% p.a. on balance transfers for 6 months.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0 and has Mastercard PayPass.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Until 30 November 2017, save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
American Express Essential Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 3% balance transfer fee
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with your Essential Credit Card.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
Get $250 back to your new ANZ Low Rate Platinum when you spend $500 on eligible purchases within the first 60 days from card approval.
bcu Classic Credit Card
11.80% p.a.
Up to 55 days on purchases
$45 p.a.
Enjoy a competitive interest rate of 11.8% p.a. on purchases, plus up to 55 days interest-free on purchases.
Greater Bank Visa Credit Card
11.95% p.a.
Up to 55 days on purchases
$40 p.a.
Same low 11.95% p.a. interest rate on purchases and cash advances, plus, up to 55 interest-free days on purchases.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$59 p.a.
4.99% p.a. for 6 months
This card offers a low introductory rate of 0% p.a. for 6 months on purchases. Plus 4.99% p.a. on balance transfers for 6 months.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 2% balance transfer fee
A no-frills Visa with the protection of a zero liability policy and a 24/7 fraud monitoring service.
Australian Military Bank Low Rate Visa Credit Card
10.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 12 months
Enjoy up to 55 interest-free days on purchases, add an additional cardholder for $0 and enjoy the convenience of Visa payWave.
Bankwest Low Rate Business Mastercard
0% p.a. for 12 months (reverts to 11.99% p.a.)
Up to 55 days on purchases
$99 p.a.
Offers an introductory 0% p.a. interest rate on purchases for 12 months. Plus, add up to 3 additional cardholders for $0.
Westpac Lite Card
9.90% p.a.
Up to 45 days on purchases
$108 p.a.
Keep credit card costs low with a maximum credit limit of $4,000 and no foreign transaction fees.

Compare up to 4 providers

You can make an easy credit card application online. Most forms only take around fifteen minutes to complete, but you must have all the required information with you at the start. Speaking of security, you should also make sure the site has a padlock symbol bottom right to show it is secure, and it should be https in the address bar rather than plain http.

Information required to ensure an easy credit card application process:

  • Personal and contact details - Full name, date of birth, home and email addresses, home and mobile telephone numbers. The same for any additional cardholder you wish to include.
  • Australian driver's licence number, if you have one.
  • Income details - Your income should usually be at least $15,000 p.a. for a regular credit card; gold and platinum cards require a higher income, starting at $50,000 for gold and $65,000 or $75,000 for platinum.
  • Details of expenditure, debts and assets - Such as monthly expenses, mortgage, loans still payable, property owned.
  • Employer's details - Name, address and contact number, and the same for your accountant if self-employed.

Once you have submitted your application form, you will normally receive a response within a minute. This may be a rejection, or an approval in principle along with a reference number

Although this next part of the process involves more than sitting in front of your computer, therefore may not seem so easy, credit cards cannot simply then be sent out to customers. For your application to be fully approved, you must appear in person at a branch of the issuing bank with documents to verify your identity, which is mandated by the Australian government. You may also have been asked to bring along documentary evidence to support certain information you provided on your application form.

After this, your credit card will normally arrive within five working days, and your PIN under separate cover.

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St.George Vertigo Platinum - Online Offer
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6 Responses

  1. Default Gravatar
    KayFebruary 7, 2014

    I am on a subclass 820 visa and earn approx $47000 a year, Commonwealth Bank have given me a credit card for $500 but I applied for and was conditionally approved for $6000. Are there any issuers that would issue me with a credit card for approx $5000-$6000?

    • Staff
      MarcFebruary 10, 2014Staff

      Hi Kay,
      thanks for the question.

      Unfortunately I’m not able to answer whether or not any issuers would issue you with this amount of money. Each issuer has their own lending criteria which they’ll use to evaluate an applicant’s credit request. You may wish to compare different credit cards, and call the card issuer for any you’re interested in. They’ll be able to help you.

      I hope this helps,
      Marc.

  2. Default Gravatar
    DonMay 10, 2013

    I would like to have a credit card with a small limit ($3000). I am an old aged pensioner with no credit history, I retired in 2001 and at that time have an A1 credit rating.
    Can you assist please? I am able to handle a $3000 limit. Thank you. Don.

    • Staff
      JacobMay 10, 2013Staff

      Hi Don. Thanks for your question. I suggest you have a look at our low interest rate credit card comparison page. These cards generally have a lower minimum credit limits than premium credit cards. About your credit rating. Credit cards require that you have a good credit rating in order to apply. If you have not had a recorded credit history (internet, mobile phone, mortgage, credit card etc.) it may be difficult for the bank to verify your credit worthiness; however, you should be fine. When you apply for a card you can elect a specific credit limit, but the final say will be up to the bank. They will assign a credit limit based on the size of the debt they think you can service. Jacob.

  3. Default Gravatar
    tanyaMarch 13, 2013

    Do you have to have a job to apply for a credit card or can you just have incoming payments?

    • Staff
      MarcMarch 13, 2013Staff

      Hello Tanya,
      thanks for the question!

      Credit card lenders will evaluate an application based on whether or not they think an applicant can make repayments, regardless of whether or not this income comes from a job or through regular payments. It may be helpful to call a issuer you’re interested in to discuss your situation before applying.

      I hope this helps,
      Marc.

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