Easy credit cards to get approval for

Compare credit cards with 60 second approval and eligibility requirements that suit you.

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You can apply for most Australian credit cards easily online. Although you can receive approval within 60 seconds, you'll need to meet the eligibility requirements before you can get a credit card. You can use this guide to compare credit cards with instant approval and realistic eligibility requirements. We also break down the steps you can take to apply for a card online and increase your chances of approval.

Compare instant approval and low income credit cards

Updated December 6th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Min credit limit Max credit limit Minimum Income
Westpac Low Rate Card
2019 Winner
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
18.99% p.a.
0% p.a. for 12 months
$0 p.a.
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.

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Compare easy* credit cards to apply for online

If you meet the eligibility requirements and provide the necessary information, you can receive a response within 60 seconds with the credit cards below:

Can I really get easy and instant approval?

If you meet the eligibility requirements and complete the application correctly, you can usually expect a response within 60 seconds. You can usually complete the application online within 15 minutes. It's a simple process, but you still need to meet the eligibility requirements to get approval. You may find that some cards are easier to apply for than others because they have eligibility criteria (such as income requirements and credit limits) that better suit your situation.

Australian credit card issuers will only approve applicants who have a good credit history, so you can order a free copy of your report and credit score from Finder to get started. If you have already applied for a credit card and been rejected, you should spend some time improving your credit score and comparing cards with suitable eligibility terms and conditions before you apply for another card.
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Which types of credit cards are easier to apply for?

Credit card application requirements generally increase in demand with premium cards that include more perks and benefits. The following types of credit cards may have lower requirements that could suit your needs:

  • Low income credit cards. You usually need to meet a minimum annual income threshold to apply for a credit card. Low income credit cards usually accept cardholders with a good credit history and an income of at least $15,000 p.a. You'll need to provide proof of your income (including recent payslips and details of your employer), so it's important to prepare these before beginning your application.
  • Low rate cards. Low rate credit cards typically come with a competitive purchase interest rate but fewer extra features (such as rewards, complimentary insurance and travel credits) than premium cards. However, these low rate cards are also more likely to have lower income requirements and may be easier to apply for. These cards will also help you reduce your interest costs if you're unable to pay your balance in full every statement period.
  • Low credit limit credit cards. Cards with stricter income requirements may have more features and higher credit limits. If you have a low income, you can compare cards with low credit limits that start at around $500 to find a card that suits your financial situation and eligibility requirements.
  • Joint account cards. If you don’t earn enough to apply for a credit card, you can consider applying for one as a joint applicant, by combining your income with your partner’s income. If your partner has an existing credit card, you can even think about getting an additional card linked to it for you. You can compare cards that offer joint accounts here.
  • Low annual fee cards. Annual cards on credit cards vary, but cards with low fees are likely to have fewer extra features and may have lower income requirements.

man on couch with grey credit card

How to apply for a credit card online

Once you've compared your options, you can apply for a credit card online and receive a response within 60 seconds. Every card has specific requirements, but these are some of the eligibility criteria, documents and information you'll need to complete your application:

Eligibility criteria

To apply, you would usually have to meet the following eligibility criteria:

  • You’re at least 18 years of age
  • You’re a permanent resident of Australia or an Australian citizen
  • You have a regular source of income and meet the minimum annual income requirement
  • You have a good credit history

Necessary documents and information

You also need to provide different types of information, which could include the following:

  • Your complete name, date of birth, and details from your Australian driver’s license or passport
  • Your residential address, email address, and phone number
  • Your employer’s name, phone number, and address
  • Details of your income and expenses including a recent payslip

Most credit cards are easy to apply for online, but remember that you'll need to meet the eligibility criteria and compare your options before you apply.

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2 Responses

  1. Default Gravatar
    NicoleJuly 18, 2017

    Which credit cards can i get

    • Default Gravatar
      DanielleJuly 18, 2017

      Hi Nicole,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may review and “Compare” the offers available on the table above. Once you have selected one that fits your needs, you may proceed by clicking the green “Go to Site” button.

      I hope this helps.


Credit Cards Comparison

Updated December 6th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

Compare up to 4 providers

* 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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