Easy credit cards to get approval for

Increase your chances of approval

Use this guide to compare credit cards with instant approval and lower income requirements.

Compare instant approval and low income credit cards

Rates last updated November 16th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Min credit limit Max credit limit Minimum Income Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
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.
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.
Virgin No Annual Fee Credit Card
18.99% p.a.
6.9% p.a. for 36 months
$0 p.a.
Offers a balance transfer rate of 6.9% p.a. interest for 36 months and up to 44 days interest-free on purchases, all for a $0 annual fee.

Compare up to 4 providers

While most credit cards can offer approval within 60 seconds when you apply online, you'll still need to meet a set of eligibility requirements to be successful. Some credit cards have stricter requirements than others, so it's important to know what type of credit card you're eligible for before you apply.
We also go through what you can do to improve your chances of approval when applying for your next credit card and answer frequently asked questions to help make the process as easy as possible.

Compare easy* credit cards to apply for online

You may get a response in 60 seconds with the credit cards in the table below.

Credit Card Feature
ANZ Low Rate Apply online for the ANZ Low Rate card to get a response in 60 seconds.
ANZ First Visa Credit Card A low rate credit card that can give you easy* approval.
Westpac Low Rate Card If you need an easy approval credit card - you can compare the Low Rate from Westpac.

The most popular questions about instant approval credit cards

  • Can you really get approved in 60 seconds? How does this work?

    When you've completed and submitted your application, banks check your application and personal financial information with national credit bureaus and credit reporting agencies to determine whether you qualify for the credit card. If the bank has deemed your information to be sufficient, then you can be approved within 60 seconds. Otherwise, it might take a little longer if the bank requires more information from you. You can compare instant approval credit cards that offer a response within 60 seconds using our guide.

  • How can I make sure I am eligible to apply for the credit card?

    Most banks provide a clear list of eligibility requirements (including a minimum income, good credit history with no history of bankruptcy and Australian residency status). Make sure you read over these requirements before applying for a credit card. If you're unsure about the criteria, you can contact the bank or credit card issuer to discuss your likelihood of acceptance or to confirm your eligibility.

  • If my application is declined should I apply for another card straight away?

    No, this can negatively impact your credit history and could cause your next application to be declined as well. This is because each application you make is listed on your credit file, which the credit issuer checks when you apply. A series of unsuccessful applications could suggest you are not able to manage credit and may decrease your chances of being approved. So if your credit card application is declined, you may want to wait at least 4-6 months before trying to apply again. You can also use this time to pay down any existing debts and research other cards you may be eligible for.

  • Will my credit report or credit history affect my application?

    Yes. Banks will check your credit history when you make an application inquiry. If your credit report isn't in good standing, use our guide on how to improve your credit score before applying for your next card.

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Which types of credit cards are easier to apply for?

young couple with a dark blue credit card and laptop

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 for successful application:

  • Low income credit cards. Your annual income plays an important role in the credit card you can apply for, given that cards offered by the same card provider come with different minimum income requirements. Low-income credit cards, as their name implies, have low minimum income requirements, but even with such cards, you should expect the card provider to delve into your credit history.
  • Low rate cards. If you plan to carry a balance on your credit card, getting a card with a low-interest rate on your purchases could help keep costs down when compared to other options. A typical low interest rate card would not offer extras like concierge access and complimentary insurances, but it would offer all basic features you can expect from a credit card.
  • 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.

What are the pros and cons of applying for one of these credit cards?


  • Suitable for low-income earners. This, without a doubt, is the biggest advantage of such cards, given that people who don’t earn much don’t have too many options. If you earn $15,000 p.a. or more, you can think about applying for a low-income credit card.
  • Keep expenses in check. One risk of getting a credit card is over spending. A typical low-income credit card comes with a low credit limit, ensuring that you don’t end up making excessive purchases.
  • Promotional interest rates. Certain low-income credit cards come with promotional interest rates that stay in place for varied time periods, typically in between six to 12 months. These promotional rates normally apply only to balance transfers, but some cards offer these rates on purchases as well.


  • Paying high interest. Credit cards charge interest on purchases and cash advances, and these might or might not be the same. With a card that charges high interest, if you don’t pay your balances in full each month you could end up paying a significant amount in the form of interest.
  • Fees and charges. Depending on the credit card you wish to get, you might have to pay application fees and ongoing account keeping fees. If you don’t make timely repayments you could have to pay late charges.
  • Temptation to spend. A credit card can be a good way to free up your cash flow and build your credit history, however make sure you stick to a budget and avoid the temptation to use the card for purchases that you can't afford to pay off.

man on couch with grey credit card

How to apply for one of these credit cards

Once you've compared your options, you can apply for a credit card online and receive a response within 60 seconds. Before you apply, though, make sure you've made sure you meet the eligibility requirements and have the relevant documents handy.

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
  • 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

While you don’t have to earn a lot of money to get a credit card, remember that you do have to repay the money you spend – and may have interest charges that add to the cost. If you still wish to apply, make sure you compare your options well before deciding to select the option that suits your unique financial situation.

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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.


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