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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

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The NAB Premium Card features a range of platinum benefits and a long-term balance transfer offer exclusive to finder.com.au.

  • 0% p.a. on balance transfers for 25 months on a new NAB Premium Card. BT reverts to cash advance rate (currently 21.74% p.a.)
  • No balance transfer fee when BT requested upon application.
  • Receive seven complimentary insurance covers when you make an eligible purchase, plus, access to the 24/7 NAB Concierge Service.
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  • Must apply through finder.com.au to take advantage of this offer. Offer may be withdrawn at any time.
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Compare Credit Cards with 60 second approval

Rates last updated January 23rd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
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 31 January 2018.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
St.George Amplify Card
19.49% p.a.
3% p.a. for 36 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1 Amplify 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 uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
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, a 16 month balance transfer offer and special offers from Visa Entertainment.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Plus, earn 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, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.

St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Receive 60,000 bonus Amplify or Qantas Points when you spend $3,000 within 90 days and earn up to 1 Amplify point per $1 spent.
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Amplify or Qantas Points when you spend $5,000 within 90 days and earn up to 1.5 Amplify points per $1 spent.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
Westpac 55 Day Platinum Credit Card
19.84% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Receive a 20 month balance transfer offer, up to 55 days interest-free on purchases, a platinum concierge service and a $0 first year annual fee.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
NAB Qantas Rewards Premium Card
19.99% p.a.
4.99% p.a. for 6 months
$250 p.a.
Offers 50,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
NAB Velocity Rewards Card
19.99% p.a.
4.99% p.a. for 6 months
$95 p.a.
This Visa card offers 0.5 Velocity Points per $1 spent on eligible purchases, up to 44 interest-free days on purchases and Visa Entertainment offers.
NAB Velocity Rewards Premium Card
19.99% p.a.
4.99% p.a. for 6 months
$150 p.a.
Offers up to 0.66 Velocity Points per $1 spent on purchases, combined with complimentary insurance covers and a concierge service.
NAB Qantas Rewards Card
19.99% p.a.
4.99% p.a. for 6 months
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 days interest-free on purchases.

NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
4.99% p.a. for 6 months
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
Receive 0.75 NAB Rewards Points per $1 spent and complimentary purchase protection insurance. Plus, a 0% p.a. for 6 months balance transfer offer.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
Westpac Altitude Black - 100k Bonus Points
20.24% p.a.
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 100,000 bonus Altitude Points when you meet the spend requirement. Ends on 31 January 2018.
Westpac Altitude Black - Altitude Qantas 100k Bonus Points
20.24% p.a.
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 100,000 bonus Qantas Points when you meet the spend requirement, plus, a discounted first year annual fee. Ends on 31 January 2018.

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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Credit Card Offers

Important Information*
NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate

19.99

Annual fee

49
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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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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