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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 apply for one that suits your needs, it’s exciting to find out your application is 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.

Provider Application length Waiting period
American Express 10 minutes 5-10 working days
ANZ 5 minutes Within 5 business days
Bank Australia (bankmecu) 10-15 minutes 7-10 business days
Bank of Melbourne 15 minutes 5-7 business days
Bank of Queensland 20 minutes 7-10 working days
Bankwest Minutes 5-7 working days
Citi 15 minutes 7-10 working days
Commonwealth Bank 15-20 minutes Within 10 working days
Diners Club 10 minutes Up to 21 days
Latitude Financial Services 10 minutes 5-10 working days
HSBC 10 minutes 7 working days
NAB 15 minutes Within 5 business days
St.George 10-15 minutes Around 5-7 business days
Suncorp 10 minutes 5-7 business days
Virgin Money 10 minutes Within 10 working days
Westpac 10 minutes Within 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 receive conditional approval 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

Rates last updated August 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Buy now and pay later with 0% p.a. interest on purchases for 14 months. Plus, 0% p.a. on balance transfers for up to 6 months.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 25 months
$99 p.a.
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
Qantas American Express Discovery Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
St.George Vertigo Visa
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitive annual fee.
St.George Amplify Signature - Qantas - Online Offer
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.
St.George Amplify Card
19.49% p.a.
3% p.a. for 36 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of 3% p.a. interest on balance transfers for 36 months. Plus, a $0 first year annual fee and Amplify or Qantas Points per $1 spent.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
Westpac Altitude Black - Qantas
20.24% p.a.
$250 p.a.
Earn 80,000 bonus Qantas Points when you spend $3,000 on eligible purchases. Plus, 2 yearly Qantas Club lounge invitations.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Amplify or Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas Points or 1 Amplify Point per $1 spent.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
Westpac 55 Day Platinum Credit Card
19.84% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Receive a 20 month balance transfer offer, up to 55 days interest-free on purchases, a platinum concierge service and a $0 first year annual fee.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
NAB Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
NAB Qantas Rewards Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
NAB Low Rate Platinum Card - Online Offer
13.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$100 p.a.
Enjoy $20 cashback per month for the first 12 months, up to $240 when you apply online and spend $1,500 per statement period.

Compare up to 4 providers

Frequently asked questions

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Related Posts

Credit Card Offers

Important Information*
Citi Clear Platinum - Exclusive Offer

Interest rate

14.99

Annual fee

49*

*$99 p.a. after first year

Westpac Low Rate Card

Interest rate

13.49

Annual fee

0*

*$59 p.a. after first year

Westpac Altitude Platinum Card - Qantas

Interest rate

20.24

Annual fee

50*

*$200 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58

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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.

      Cheers,
      Jonathan

  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.

    • finder Customer Care
      JhezelynMay 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.

      Regards,
      Jhezelyn

  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

    • finder 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.

      Cheers,
      May

  4. Default Gravatar
    SamOctober 28, 2016

    What does it mean when your application has been finalize

    • finder 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.

      Cheers,
      May

  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?

    • finder Customer Care
      MayAugust 2, 2016Staff

      Hi Paul,

      Thanks for your comment. Please note that you’ve come through to finder.com.au 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.

      Cheers,
      May

  6. Default Gravatar
    p.karthikrajaAugust 7, 2015

    i need my new credit card status application no.X

    • finder Customer Care
      JonathanAugust 10, 2015Staff

      Hi P, thanks for your inquiry!

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

      Cheers,

      Jonathan

  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

    • finder 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.

      Thanks,

      Elizabeth

    • 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?

    • finder 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.

      Cheers,

      Jonathan

  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??

    • finder 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.

      Thanks,

      Elizabeth

  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

    • finder Customer Care
      ShirleyJuly 23, 2014Staff

      Hi Scottie,

      Thanks for your question.

      Unfortunately you’ve come through to creditcardfinder.com.au, 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.

      Cheers,
      Shirley

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