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
St.George Vertigo Card
0% p.a. for 6 months, reverts to 13.99% p.a.
0% p.a. for 32 months
$0 annual fee for the first year ($55 p.a. thereafter)
$500
Get a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.
Westpac Low Rate Card - Cashback Offer
13.74% p.a.
6.99% p.a. for 12 months
$0 annual fee for the first year ($59 p.a. thereafter)
$500
$30,000
Get $400 cashback when you spend $4,000 on eligible purchases within the first 4 months. Plus, a $0 first-year annual fee.
NAB Low Rate Credit Card
12.99% p.a.
0% p.a. for 32 months
$0 annual fee for the first year ($59 p.a. thereafter)
$1,000
Get a 0% interest rate on balance transfers for the first 32 months (with no BT fee). Plus, save with a $0 first-year annual fee.
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)
$500
$30,000
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
NAB StraightUp Card
0% p.a.
$0
$1,000
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.
St.George No Annual Fee
0% p.a. for 12 months, reverts to 20.74% p.a.
$0
$500
Save with a 0% p.a. interest rate offer and a $0 annual fee. Plus, a minimum credit limit of $500.
Qantas American Express Discovery Card
20.74% p.a.
$0
$2,000
$35,000
Save with a $0 annual fee for the life of the card plus uncapped Qantas Points on your purchases.
Bank of Melbourne Vertigo Card
0% p.a. for 6 months, reverts to 13.99% p.a.
0% p.a. for 32 months
$0 annual fee for the first year ($55 p.a. thereafter)
$500
Save with a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.
BankSA Vertigo
0% p.a. for 6 months, reverts to 13.99% p.a.
0% p.a. for 32 months
$0 annual fee for the first year ($55 p.a. thereafter)
$500
Offers 0% p.a. for 32 months on balance transfers (with no balance transfer fee). Plus, a $0 first-year annual fee.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$30
$1,000
Receive complimentary insurance covers and 0% p.a. for 6 months on balance transfers.
BankSA No Annual Fee
0% p.a. for 12 months, reverts to 20.74% p.a.
$0
$500
Offers 0% p.a. on purchases for 12 months and an ongoing $0 annual fee.
American Express Low Rate Credit Card
8.99% p.a.
$0
$1,000
$50,000
Offers a low ongoing interest rate of 8.99% p.a., up to 55 days interest-free on purchases and global card support. Ongoing $0 annual fee.
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Compare up to 4 providers

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:

  • NAB StraightUp card. This card charges a monthly fee based on your requested credit limit of between $1,000 - $3,000 and no interest.
  • ANZ Low Rate card. Apply online for the ANZ Low Rate card to get a response in 60 seconds.
  • Westpac Low Rate card. A card with a low interest rate on purchases and a simple application process.

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

If you want to get a new credit card as quickly as possible, the good news is that you can apply for most Australian credit cards easily online in around 15 minutes – and usually get a response within 60 seconds.

So applying for a card is easy. Getting approved depends on other factors, including:

  • The credit card's eligibility criteria
  • How much information you've included in the application (the more, the better)
  • The credit card issuer's assessment process

This means 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 are better suited your situation.

Tip: Check your credit score before you apply
In general, Australian credit card issuers only approve applicants who have good credit history. If you haven't checked your credit history, you can order a free copy of your credit report and credit score from Finder to get started. Once you have your credit score, you can also use it to see your chance of approval for different credit cards and other products on Finder.
Get Your Free Credit Score

What types of credit cards are easy to apply for?

There is no guaranteed way to get approved for a credit card – but meeting the card's eligibility criteria improves your chances of approval. You'll usually find that premium cards with lots of perks have more requirements than cards with more basic features. With that in mind, here are some types of credit cards that may have lower eligibility criteria:

  • 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.

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

  • Age. You must be at least 18 years of age.
  • Australian residency 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.

After you've applied, you'll usually get a response within instants. The credit card issuer will then give you details of next steps. If you're approved, you'll usually get your card in the mail within 5-10 working days.

Are there any credit cards you can use immediately?
A small number of credit card accounts in Australia offer digital cards that you can start using as soon as your application is approved, including credit cards from Bankwest, the MoneyMe Freestyle Virtual Mastercard and the PayPal Rewards Card.Just keep in mind that you may need to set up your account online or through an app before you get the virtual card's details – but that usually doesn't take long.

Frequently asked questions

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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