Easy credit cards to get approval for

Compare credit cards with low minimum credit limits and simple eligibility requirements. Plus, how to increase your chances of success.

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Name Product Purchase rate Balance transfer rate Annual fee Min credit limit Minimum income
Qantas American Express Discovery Card
20.74% p.a.
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 28 months with 1% balance transfer fee
$0 annual fee for the first year ($59 p.a. thereafter)
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 28 months
Enjoy a 0% interest rate on balance transfers for 28 months, with no balance transfer fee.
humm90 Mastercard
23.99% p.a.
0% p.a. for 36 months
Save with 0% interest on balance transfers for 36 months, with no balance transfer fee. Plus, up to 110 days interest-free on purchases.
Bank of Melbourne Vertigo Classic
13.99% p.a.
0% p.a. for 28 months
Save with a 0% interest on balance transfers for 28 months, with no balance transfer fee.
MoneyMe Freestyle Virtual Mastercard
16.99% p.a.
Get approved quickly online and start using your card right away. Plus, the ability to transfer money to a bank account.
NAB StraightUp Card
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
BankSA Vertigo
13.99% p.a.
0% p.a. for 28 months
Enjoy a 0% p.a. for 28 months on balance transfers (with no balance transfer fee), a low purchase rate and annual fee.
BankSA No Annual Fee
0% p.a. for 12 months, reverts to 20.74% p.a.
Offers 0% p.a. on purchases for 12 months and an ongoing $0 annual fee.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 6 months with 2% balance transfer fee
Receive complimentary insurance covers and 0% p.a. for 6 months on balance transfers.
ANZ Low Rate
12.49% p.a.
0% p.a. for 30 months
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
American Express Velocity Escape Card
20.74% p.a.
Earn 0.75 Velocity Points on your everyday purchases, uncapped, and pay $0 annual fee for the life of the card with this no-frills frequent flyer card.

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Compare credit cards you can apply for online

If you meet the eligibility requirements and provide the necessary information, you can receive a response within 60 seconds when you apply for one of the credit cards below:

How can I get easy and instant approval for a credit card?

There are lots of different factors that can influence how easy it is to apply and get approved for a credit card. So, let's start with the basics. When you apply for a credit card online, you can typically complete the application within 10-20 minutes. Once you hit "Submit" you can usually expect a response within 60 seconds. It is a simple process – but you need to make sure you include all the required details and meet the card's 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.

Keep in mind that Australian credit card issuers will only approve applicants who have a good credit history. If you haven't checked your credit history, 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 were not approved, you should spend some time improving your credit score before you apply for another card. When you're ready to apply again, aim to compare cards with eligibility criteria that are suitable for your budget and circumstances.
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Which types of credit cards are easy to apply for?

Credit card application requirements typically increase with more premium cards that offer a wider range of perks and benefits. The following types of credit cards may have lower eligibility criteria that could suit your needs:

  • Low income credit cards. Some cards include a minimum annual income requirement that you need to meet before you are eligible to apply. Low income credit cards usually accept cardholders with a good credit history and an income of at least $15,000 p.a. You need to provide proof of your income when you apply (including recent payslips and details of your employer), so it's important to organise these supporting documents before beginning your application.
  • Low rate cards. These cards charge a competitive purchase interest rate but fewer extra features (such as rewards, complimentary insurance and travel credits) than premium cards. Low rate credit cards are also more likely to have lower minimum income requirements, which could make it easier to apply for one.
  • Low credit limit credit cards. Cards with higher credit limits often have more features and stricter income requirements. 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. Learn more about credit card limit calculations and compare cards with different minimum credit limits in this guide.
  • Joint account cards. If you don’t earn enough to apply for a credit card on your own, you can consider applying for one as a joint applicant with your partner. That way you can combine your income with your partner’s income. Applying for a joint account credit card may take a little longer, as both you and your partner need to provide details and supporting documentation. If your partner has an existing credit card, you could also think about applying for an additional card instead (although the account would remain in your partner's name).
  • Low annual fee cards. Annual fees on credit cards vary, but cards with low fees are likely to have fewer extra features and may have lower income requirements.

How to apply for a credit card online

Once you've compared your options, you can apply for a credit card online. This is an easy process, as long as you meet the credit card's eligibility criteria and have all the details you need for the application. Every card has specific requirements, so it is important you check these before you apply. To give you an idea of what's required, below are some of the most common criteria and details requested as part of credit card applications in Australia:

Eligibility criteria

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

  • Age. You must be at least 18 years of age.
  • Australian residential status. Most cards require you to be a permanent resident of Australia or an Australian citizen. If you are a temporary resident, you can compare Australian credit cards that may offer you approval.
  • Income. You should have a regular source of income and meet the minimum annual income requirement
  • Credit history. You have a good credit history

Documents and details

Getting the following details ready before you apply can make it easier to get through your credit card application as quickly as possible:

  • Personal details. This includes your full name, date of birth, residential address, email address, contact number, your relationship status and number of dependants. You also need to include one of the following forms of ID: details from your Australian driver’s license, passport or Medicare card.
  • Employment details. You need to share information about your employment situation, including your salary, current role, length of employment and your employer's contact details. If you have recently started a new job, you may need to provide details of previous employment. If you're self-employed, you'll need to provide details about your work and your accountant's contact details. You may also need to provide supporting documentation, such as recent payslips, bank statements, recent tax assessment notices from the ATO or a letter from your employer that verifies the details provided.
  • Financial details. As well as employment income, this includes any other forms of income and assets such as shares or savings. You also need to include details of existing debts and liabilities. Along with this information, you'll be asked to estimate regular expenses, including your share of rent, mortgage repayments, bills and groceries.

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

Frequently asked questions about credit card eligibility

Which credit cards give you instant approval?

Most Australian credit cards offer 60 second or "instant" approval when you apply online and meet the eligibility requirements. This includes credit cards from ANZ, CommBank, NAB, Westpac, St.George and other major brands.

What credit score do I need to get a credit card?

You need a good credit score (usually 622 or higher with Equifax) to apply for a credit card in Australia. When you get your credit score, you should also see where it ranks compared to others. As long as it is listed as "good", "very good" or "excellent", you will meet this eligibility requirement.

Can I get a credit card without a credit check?

In Australia, you can only apply for a credit card if you agree to a credit check. Unfortunately, there are also no guaranteed approval credit cards available but you can improve your chances of being approved by making sure you meet the eligibility requirements and including as much information as possible on your application.
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