Fast Approval Credit Cards – the solution if you need money now

Fast approval credit cards can provide a response within 60 seconds after completing the application. Save time and find out whether you're eligible for a credit card with this guide.

Fast approval credit cards come with all kinds of benefits for you to choose between, but you need to have a stellar credit rating in order to qualify. Your financial habits and history will play a big role in the type of card you are approved for, if at all.

Click here for a comparison of instant and fast approval credit cards

St.George Vertigo Visa

Fast Approval Credit Card Offer

The St.George Vertigo credit card will give you a response within 60 seconds letting you know if your credit card application was successful or not. The St.George Vertigo credit card offers a low interest rate and balance transfer offer.

  • $0 p.a. annual fee for the first year ($55 p.a. thereafter)
  • 13.24% p.a. on purchases
  • 0% p.a. for 14 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Understand the influence of your credit rating

This all sounds good but there is something you should be aware of. If you apply for a credit card and it is refused this is not too much of a problem, but if you apply for several and they are all rejected this will be reflected on your credit score. So if you are considering applying for a fast approval credit card it would pay to check that you have an excellent credit rating, or at least a good one. Even with a good credit rating, should you get reject the first time it would pay to give serious consideration before applying again within say 6 months.

Rewards programs

There are many different reward programs on offer, so give consideration to your lifestyle. Firstly, look at what variety of rewards are on offer, secondly the value of them and the type of reward that you could benefit from. The third thing to consider is what are the reward points being paid on? For example, say you shop mostly for the family on your credit card, you would probably choose a program with one of the large food or clothing chains, whereas if you are on the road a lot for work you would possibly choose one more related to gas, car repairs and accommodation.

You want to be able to clock up your rewards for your card use and you also want to get the benefits for something that you will use.

Compare australian rewards credit card here

How can I get a fast approval credit card?

The approval may be fast, but you should take some time exploring your options, understanding your credit rating and making comparisons before submitting an application for a fast approval credit card.

  • Consider your credit rating. Your credit rating plays a big role in being approved for these types of cards, and you should know what it is before applying. If your credit rating is not excellent, your application will be rejected, which shows up on your credit history. Multiple rejections on a credit history will count against your credit rating and ability to be approved for other credit products.
  • Familiarise yourself with the eligibility requirements. Go through the requirements carefully, and make sure that you are able to meet all of them before proceeding with your application. Some of these cards may even have income requirements that you need to be aware of before applying. If you don’t meet these, your application will be rejected, counting against your credit rating.
  • Have the required documents ready. Proof of income, such as your paystubs, will be needed as well as information regarding your other credit accounts. You will also have to supply documents to prove your identity. Make sure to have all documentation readily available to submit in order to show your eligibility for the fast approval credit card.

Credit cards with fast approval to include in your comparison

Rates last updated June 29th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
NAB Low Fee Card
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
19.99% p.a.
$199 p.a.
Qantas American Express Discovery Card
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
ANZ Low Rate
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
12.49% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$58 p.a.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
0% p.a. for 12 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
ANZ Rewards Travel Adventures card
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
20.24% p.a.
$225 p.a.
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
13.24% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
12.74% p.a.
0% p.a. for 20 months
$99 p.a.
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
19.49% p.a.
$99 p.a.
St.George Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
19.49% p.a.
$279 p.a.
ANZ Platinum Credit Card
Enjoy platinum card benefits with a 24/7 personal concierge and complimentary overseas travel and medical insurance.
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
ANZ First Visa Credit Card
Get up to 44 interest-free days on purchases and take advantage of a low minimum credit limit.
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
NAB Qantas Rewards Premium Card
A dual Amex and Visa card that earns up to 1 Qantas Point per $1 spent on eligible purchases, plus a 24/7 personal concierge.
19.99% p.a.
0% p.a. for 6 months
$250 p.a.
NAB Velocity Rewards Card
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Velocity Rewards Premium Card
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
19.99% p.a.
0% p.a. for 6 months
$150 p.a.
NAB flybuys Rewards Card
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Qantas Rewards Card
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Low Rate Credit Card
Receive up to 55 days interest-free on purchases, special offers from Visa Entertainment and Tap and Pay capabilities.
13.99% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$59 p.a.
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
19.99% p.a.
0% p.a. for 6 months
$195 p.a.
ANZ First Student Card
An ideal credit card for students with up to 44 days interest-free on purchases. Access your account on the go with the goMoney™ app.
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
NAB Premium Card
Take advantage of platinum credit card benefits including higher credit limits and travel insurance, combined with 0% p.a. interest rate on balance transfers for the first 20 months.
19.74% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$90 p.a.

Compare up to 4 providers

What else should I consider?

  • Is there a rewards program. Credit card rewards programs offer you ways to earn by your spending habits. If you travel frequently or do a large part of your purchasing using a credit card, these programs could be very valuable to you. Just ensure that the one you choose offers rewards that you could make good use of.
  • What are the details of the promotional offer? You could find fast approval credit cards that are running current promotions, such as low interest balance transfer offers or no fees for a limited time. Credit card promotions can provide good ways to save money, or even help you to consolidate and reduce your current debt.
  • What are the rates and fees? Annual fees and the rate of interest should play a big role in the type of fast approval credit card you choose, but also look at details such as fees for withdrawals from an ATM, overseas purchase fees and changes in interest rates for purchases and withdrawals.

With fast approval credit cards you can know in as little as 60 seconds whether you’ll have the benefit of making your purchases on credit. With a large number to choose from, you’ll have no trouble in finding one that matches your spending needs.

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Frequently asked questions

When you apply for a fast approval credit card, the information you submit is sent automatically to the national credit bureau. With fast calculations they are able to determine if you qualify and in most cases send your response in one minute.

Eligibility requirements to check for include your age, residency, income and credit rating.

No, that could hurt your credit rating. You are better off to choose carefully one that you feel confident that you qualify for before applying.

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Related Posts

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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14 Responses to Fast Approval Credit Cards – the solution if you need money now

  1. Default Gravatar
    monsur | August 7, 2016

    I have no bank account..are you give me a card?

    • Staff
      Anndy | August 7, 2016

      Hi Monsur,

      Thanks for your comment.

      Even if you don’t have a bank account, you can still apply for any of the credit cards listed above as long as you meet the eligibility criteria for each card. Some of the cards may also have income requirements that you need to know before applying. If you don’t meet the requirements and get rejected, it will reflect badly on you credit rating.

      To check the eligibility criteria for each credit card, simply click on its name so you’ll be redirected to its review page where the requirements are listed.

      Cheers,
      Anndy

  2. Default Gravatar
    Tiffany | February 9, 2015

    Will I get my credit card number asap

    • Default Gravatar
      ejay | February 24, 2016

      Hi I’m emily how long until i can assess my money

    • Staff
      Sally | February 24, 2016

      Hello,

      If you’re approved for the credit card, you can generally expect to receive your credit card within a week or so. Once you’ve received and activated the card, you can start using it.

      I hope this has helped.

      Cheers,

      Sally

    • Default Gravatar
      ejay | April 15, 2016

      Can i access my money now?

    • Staff
      Anndy | April 15, 2016

      Hi Ejay,

      Thank you for your question.

      If your application is approved, you will have to wait for 1-2 weeks to receive your credit card. Once you’ve received and activated the card, you can start using it.

      I hope this answers your question.

      Cheers,
      Anndy

    • Staff
      Jonathan | February 10, 2015

      Hi Tiffany, thanks for your inquiry!

      Generally after the application process the card is mailed to your address, activation after receiving the card can take place online, in branch or over the phone. This generally can take up to 5 – 10 business days.

      Cheers,

      Jonathan

  3. Default Gravatar
    Rahul | December 6, 2014

    will give me credit card

    • Staff
      Elizabeth | December 8, 2014

      Hi Rahul,

      Thanks for your question.

      You’ll need to check the eligibility criteria of the credit cards you’re interested in to see if you will be able to apply. This criteria is listed on our review pages, which you can access by clicking on the name of the credit cards in any comparison table or by clicking ‘more’.

      I hope this has helped.

      Thanks,

      Elizabeth

  4. Default Gravatar
    alex | July 10, 2014

    Can I get a credit card for 5000 a year

    • Staff
      Shirley | July 11, 2014

      Hi Alex,

      Thanks for your question.

      You can compare low credit limit credit cards on this page. Please remember to read the eligibility criteria before you apply.

      Cheers,
      Shirley

  5. Default Gravatar
    novalyn | January 23, 2014

    What are the requirements

    • Staff
      Shirley | January 24, 2014

      Hi Novalyn,

      Thanks for your comment.

      Please compare the relevant credit cards first, at the bottom of every review on creditcardfinder.com.au you’ll see an ‘eligibility requirements’ tab where you check if you meet the criteria.

      Cheers,
      Shirley

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