Easy credit cards to get approval for

Compare credit cards with instant approval and more realistic eligibility requirements to increase your chances of success.

While most credit cards can offer approval within 60 seconds when you apply online, you'll still need to meet a number of eligibility requirements to be successful. Some credit cards have stricter eligibility requirements than others, so it's important to know what type of credit card you're eligible for before you apply. Use this guide to compare credit cards with instant approval, lower income requirements and to understand exactly what you need to do to improve your chances of approval when applying for your next credit card.

ANZ Low Rate

ANZ Credit Card Offer

The ANZ Low Rate credit card comes with a long-term balance transfer offer combined with a low ongoing rate on purchases.

  • $58 p.a. annual fee
  • 12.49% p.a. on purchases
  • 0% p.a. for 16 months with 2% balance transfer fee on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $15,000 p.a.

Compare Instant Approval and Low Income Credit Cards

Rates last updated June 24th, 2017
Minimum Income Min credit limit Purchase rate (p.a.) Annual fee
ANZ Low Rate
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
$15,000 $1,000 12.49% p.a. $58 p.a. Go to site More info
HSBC Low Rate Credit Card
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
$20,000 $1,000 13.25% p.a. $55 p.a. Go to site More info
ANZ First Visa Credit Card
Get up to 44 interest-free days on purchases and take advantage of a low minimum credit limit.
$15,000 $1,000 19.74% p.a. $30 p.a. Go to site More info
Westpac Low Rate Card
Receive up to 55 days interest-free on purchases if you pay your balance in full. Plus, the convenience of the Westpac mobile banking app.
$15,000 $1,000 0% p.a. for 6 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017.
$20,000 $6,000 19.99% p.a. $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info

Compare easy* credit cards to apply for

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

Credit CardFeature
ANZ Low RateApply online for the ANZ Low Rate card to get a response in 60 seconds
ANZ First Visa Credit CardA low rate credit card that can give you easy* approval
Westpac Low Rate CardIf you need an easy approval credit card - you can compare the Low Rate from Westpac

The most popular questions about instant approval credit cards

  • Q: Can you really get approved in 60 seconds? How does this work?
    A: When you've finished your application banks check your application and personal financial information with national credit bureaus, credit reporting agencies and 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.
  • Q: How can I make sure I am eligible to apply for the credit card?
    A: Most banks provide a clear list of eligibility requirements (including a minimum income, good credit history and residential status). Make sure you read over this before applying. If you're unsure, you can contact the bank or credit card issuer to discuss your likelihood of acceptance or to confirm your eligibility.
  • Q: What are the eligibility requirements to apply?
    A: Generally you will be required to be a permanent resident/ citizen of Australia, have a good credit rating with no history of bankruptcy and meet the minimum income criteria in order to apply and be approved for the card.
  • Q: If my application is declined should I apply for another card straight away?
    A: No, this will negatively impact your credit history and could cause your next application to be declined again. The bank checks your credit file when you make an application inquiry, which includes records of successful and unsuccessful applications. As a result a series of unsuccessful applications will only decrease your chances of being approved. It is advised to wait for at least 4-6 months before trying to apply again.
  • Q: Will my credit report or credit history affect my application?
    A: Yes. Banks will check your credit history when you make an application inquiry. If your credit report isn't in good standing, using our guide on how to improve your credit score before applying for your next card.

Get Your Free Credit Score

Which types of cards are easier to apply for?

Credit card requirements generally increase in demand with premium cards which include more perks and benefits. The following types of credit cards have fewer requirements for successful application:youngpersoncreditcard

  • Low income credit cards. You 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-interest rate and credit limits. Not all credit cards charge the same interest, and if you plan to keep balances in your account rolling from one month to the next, getting a card with a low-interest rate on your purchases is a worthwhile bet. A typical low-interest rate would not offer extras like concierge access and complimentary insurances, but it would offer all basic features you can expect from a credit card.
    People who have a low income can’t expect to get cards with high credit limits, so their options are cards that come with low credit limits. You can expect to start off with a credit limit of around $500, and you can then work your way up as you build a positive account history.
  • Joint account. 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.
  • Low annual fee. Annual fees on credit cards vary, but the majority are reasonably priced and only applied to your card once per year. Read our guide to no annual fee credit cards to compare your options.

What are the benefits and limitations of applying for one of these 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.
  • 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.
  • Spend more than you can repay. Getting a credit card gives you the means to buy things even when you don’t have the money to pay for them at the time, and if you give in to your impulses you can end up with debt that is hard to repay. When you use a credit card, it is important that you plan ahead and know just where future repayments would come from before buying anything.

How to apply for one of these credit cards

Once you've compared your options, you can apply for a card 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 requirements

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

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, bear in mind at all times that you would have to repay the money you borrow, maybe, along with interest. 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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Frequently asked questions

Important aspects that require comparison include ongoing interest rates, promotional interest rates, and fees.

This depends on your card provider. In most instances, you can get your card within five to 10 business days from the approval of your application.

If you don’t make the minimum required payment by each due date, you could end up paying late charges. If you skip a few payments in a row, you can no longer use your card, but still have to repay the money you owe. Not making timely repayments affects your credit worthiness.

This essentially depends on your individual needs. For instance, if you wish to use your new card to transfer balances from existing cards, look for one that comes with a balance transfer offer. Some such cards give you the ability to earn rewards, but in such scenarios you could end up paying more in the form of interest and fees.

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