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How long does it take to get a credit card?

Your credit card application was approved, so what happens next?

After taking time to compare credit card offers and applying for one that suits your needs, it’s exciting to find out your application was approved. Here, we explain when you can expect to receive your card and what happens after your application is approved. You can also find out what you'll need to do when you get your new card, compare credit cards with 60-second approval and get answers to frequently asked questions so that you can be as prepared as possible when it finally arrives.

When will I get my new credit card?

Compare the approximate application length and standard waiting period for new credit cards by provider to find out how long you may have to wait to get your next credit card.

ProviderApplication lengthWaiting period
American Express10 minutes5-10 working days
ANZ5 minutesWithin 5 business days
Bank Australia (bankmecu)10-15 minutes7-10 business days
Bank of Melbourne15 minutes5-7 business days
Bank of Queensland20 minutes7-10 working days
BankwestMinutes5-7 working days
Citi15 minutes7-10 working days
Commonwealth Bank15-20 minutesWithin 10 working days
Diners Club10 minutes5-10 working days
Latitude Financial Services10 minutes5-10 working days
HSBC10 minutes7 working days
NAB15 minutesWithin 5 business days
St.George10-15 minutesAround 5-7 business days
Suncorp10 minutes5-7 business days
Virgin Money10 minutesWithin 10 working days
Westpac10 minutesWithin 7 business days
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What happens after I've applied for a credit card?

man cc applicationAfter you submit your credit card application, the credit card issuer will assess your credit history and current finances in order to determine whether or not you are eligible for the card. They also use this process to determine how much credit they will offer you (in the form of your credit limit).

Providing you meet all the key application criteria, you could get conditional approval for the card within 60 seconds of submitting an online application. If not, you may get a follow up call or email from the credit card issuer asking for further information.

Providing supporting documentation

When you're conditionally approved for a credit card, the issuer may also ask you to submit supporting documents to complete the application process. The sooner you provide this information, the faster you'll get your card. The documents you'll need may vary between providers, but generally include some or all of the following:

  • A copy of your driver’s licence or passport
  • Recent payslips
  • Recent bank statements
  • Your most recent Tax Assessment Notice or PAYG summary
  • A letter from your employer or accountant verifying your employment and/or financial details

What do I need to do when I get my credit card?

After completing the whole application process, your credit card will usually come in the mail within the timeframe outlined by your provider. In some circumstances you may also be asked to go to your nearest branch to pick it up for security reasons.

Your new credit card issuer will also put together a "welcome pack" for you containing valuable information about the bank, the credit card and its terms and conditions of use. The welcome pack will either arrive before the card or come with it. Make sure you read through the provided information thoroughly before you start using your new credit card.

How do I activate my credit card?

Depending on the issuer, you may be able to activate your new credit card online, over the phone or in person. Information about card activation will also be included in your welcome pack and usually takes just a few minutes to complete.

Remember to sign your card

The signature panel on your new credit card gives you the legal authority to use the it and protects you against unauthorised transactions if it’s lost, stolen or compromised. So make sure you sign it when you first activate the card.

While it is exciting to be approved for a new credit card, there are a few more steps you need to know about before you can start using it. Being prepared for this process means you can tick all the boxes along the way and start using your credit card as soon as possible.

Pictures: Shutterstock

Compare credit cards with 60-second approval

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Westpac Altitude Platinum Card
20.49% p.a.
6.99% p.a. for 12 months
$150 p.a.
Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, complimentary travel insurance covers.
Virgin No Annual Fee Credit Card - Purchase Offer
0% for 9 months, reverts to 18.99% p.a.
0% p.a. for 9 months
$0 p.a.
Offers an introductory 0% p.a. for 9 months on purchases and balance transfers (with no BT fee) for an ongoing $0 annual fee.
BankSA Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 6 months
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
St.George No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a long-term balance transfer offer.
BankSA No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Offers 0% p.a. on balance transfers for 12 months, up to 55 days interest-free on purchases and an ongoing $0 annual fee.
St.George Rainbow Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.

Compare up to 4 providers

Frequently asked questions

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20 Responses

  1. Default Gravatar
    JoshJuly 12, 2017

    How come there is no Bendigo Bank time frame outlined here?

    • Default Gravatar
      JonathanJuly 16, 2017

      Hello Josh,

      Thank you for pointing that out. :)

      Bendigo application usually takes 10 minutes and waiting period is 5-10 business days. You can refer to this page.

      Hope this helps.


  2. Default Gravatar
    MareeMay 24, 2017

    Correction: After online approval, ANZ takes 5 business days just to get your application to their own assessment team.
    They take another 2-3 business days to make a decision on it. Then if it’s approved, it takes another 5 business days to get the card to you, and they don’t even guarantee that. So it’s actually more like 3 weeks, not 5 working days.
    They told me this on the phone today. The way they have it written on the website is misleading.

    • Avatarfinder Customer Care
      JhezMay 26, 2017Staff

      Hi Maree,

      Thanks for your comment and honest feedback.

      As confirmed by ANZ, for credit card online application, you would usually receive a response in 60 seconds, with an online application reference number. Once you’re approved, you will receive your card and welcome kit within five business days. If you have not received any, please contact ANZ directly to inquire about the status of your application.

      I hope this information has helped you in any way.


  3. Default Gravatar
    lewisDecember 21, 2016

    Hi How do I find out if my card has been delivered to branch without actually going in as its quite a drive

    • Avatarfinder Customer Care
      MayDecember 21, 2016Staff

      Hi Lewis,

      Thanks for your question.

      You may ring the bank to check whether your card is already available. Usually, if you’re applying for a credit card, once you’re approved, you need not go to the branch to pick it up. The bank will send the card right to your indicated address instead.


  4. Default Gravatar
    SamOctober 28, 2016

    What does it mean when your application has been finalize

    • Avatarfinder Customer Care
      MayOctober 28, 2016Staff

      Hi Sam,

      Thank you for your question.

      For credit card applications, after you have submitted the pertinent documents to the bank and they have already reviewed them, usually, if they consider your application, they will finalise your application approval and you will soon receive your credit card.


  5. Default Gravatar
    PaulAugust 1, 2016

    I applied for a debit card with ANZ on the 7/16/2016 and received an email saying that my debit card should arrive within 5 business days. But it has been almost three weeks since i received anything from the bank, I check my mail and email everyday and still nothing. Any advice?

    • Avatarfinder Customer Care
      MayAugust 2, 2016Staff

      Hi Paul,

      Thanks for your comment. Please note that you’ve come through to we are an Australian financial comparison website and general information service, not actually ANZ.

      Just to confirm, you have applied for an ANZ Debit Visa card? If so, usually, when you’re approved, the account will be active within 2 days and the card will be delivered to your home address.

      As for the ANZ credit card, usually, you would receive a response in 60 seconds, with an online application reference number. Once you’re approved, you will usually receive your card and welcome kit within five business days. If you have not received any but you’re sure you were approved, please contact ANZ directly to inquire.


  6. Default Gravatar
    p.karthikrajaAugust 7, 2015

    i need my new credit card status application no.X

    • Avatarfinder Customer Care
      JonathanAugust 10, 2015Staff

      Hi P, thanks for your inquiry!

      Please note that you have reached and not a lender. To allow us to assist you further could you please state which bank/ lender your application is with?



  7. Default Gravatar
    LorryDecember 24, 2014

    I applied for my credit card last Tuesday and it was approved on Monday and sent on Yesterday. If I am in Sydney, why would the Commbank take 5-10 working days to receive it when I am already local? The bank agent said it was sent yesterday morning shouldn’t I get it sooner than 5-10 days? I am in Penrith

    • Avatarfinder Customer Care
      ElizabethDecember 24, 2014Staff

      Hi Lorry,

      Thanks for your question.

      Five to ten working days is an estimate Commonwealth Bank gives, allowing for posting time, slight delays, etc. As you’re local it might arrive sooner than five days, but you should allow for this amount of time.

      I hope this has helped.



    • Default Gravatar
      SachieMarch 14, 2015

      Two weeks ago I lost my card and I stopped my bank for few days and the bank emailed me and they said they sent a new card for me about 10 days ago and still the card didn’t arrive. Should I call bank?

    • Avatarfinder Customer Care
      JonathanMarch 16, 2015Staff

      Hi Sachie, thanks for your inquiry!

      Mailing a new credit card can take up to 10 working/ business days. If it has been a considerable amount of time since the banks notification of sending the new card it would be best to contact them directly.



  8. Default Gravatar
    LotusDecember 23, 2014

    I recently opened a Westpac choice youth account and went into my local branch to order my debit card. The woman said she would have ordered it that day and it would come within 5 working days. It’s been 10 days since I ordered it. How long does it take??

    • Avatarfinder Customer Care
      ElizabethDecember 23, 2014Staff

      Hi Lotus,

      Thanks for your question.

      If Westpac advised that the card would arrive within five days, then it should have arrived in that time frame. You might want to get in contact with Westpac directly to ensure you card hasn’t been lost in the mail and that it has been sent.

      I hope this has helped.



  9. Default Gravatar
    ScottieJuly 22, 2014

    I applied for a HSBC credit card online and got a conditional approval for $5000. In the email I was asked to fax drivers licence and a copy of a bill. I have done so it’s been a week since I faxed. How long does it normally take to get a reply to see if I was approved or not?

    Thank you

    • Avatarfinder Customer Care
      ShirleyJuly 23, 2014Staff

      Hi Scottie,

      Thanks for your question.

      Unfortunately you’ve come through to, an online comparison service. We don’t handle any personal information or applications for HSBC.

      Please speak to the customer service team at HSBC regarding your enquiry. Application times vary from case to case.


Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Low Rate
12.49% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 100,000 bonus Qantas Points, 75 bonus Status Credits and $150 back when you spend $3,000 in the first 3 months with this premium card.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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