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How long does it take to get a credit card?

You can usually get a new credit card within 5 to 10 working days. Check how long it will take with your bank or provider here.

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The time it takes for you to apply and get a new credit card depends on lots of different factors, but most banks and providers have guidelines so you know what to expect. We have put a table together to show you how long it usually takes with different credit card providers in Australia, including ANZ, CommBank, NAB, Westpac and St.George.

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 Melbourne10 - 20 minutes5-7 business days
Bank of Queensland20 minutes7-10 working days
Bankwest15 minutesWithin 10 working days
Citi10 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
MoneyMeMinutesInstant (virtual card)
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 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.

Can I get a temporary card for immediate use?

Waiting for a new card to arrive can be frustrating. Thankfully, there are some banks that will provide digital versions of the card straight away. If you have Google Pay, Apple Pay or Samsung Pay on your phone, you may be able to add a virtual card and tap away as normal.

For example, if you're waiting for a replacement of an existing card, Bankwest will automatically update your card details as soon as it has been issued, so you can use it before the physical card arrives.

For many banks however, you will need to wait until your replacement card has arrived and has been activated before the details are updated.

How long does it take to apply for a virtual card?

If you're applying for a new credit card, you might want to consider a virtual card. There is no physical card to worry about; instead, your card details are stored online or on an app.

Once your application for credit has been approved you are normally able to access your virtual card details straight away.

The applications themselves are also normally fast, with lenders boasting that you can apply "within minutes", with some taking up to around 15 minutes. Make sure you have all your details to hand so you can keep the process as simple as possible and to avoid any delays.

Many virtual credit card providers say they will respond moments after your application, but it can depend on the applicant's financial circumstances.

Pictures: Shutterstock

Compare credit cards with 60-second approval

1 - 12 of 47
Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee
St.George Vertigo Card
0% for 32 months
$0 for the first year ($55 thereafter)
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.
NAB Low Rate Credit Card
0% for 32 months
$0 for the first year ($59 thereafter)
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.
Citi Clear Card - Balance Transfer Offer
0% for 36 months
$49 for the first year ($99 thereafter)
Offers 0% p.a. on balance transfers for 36 months with no balance transfer fee. Plus, a first-year annual fee discount and complimentary insurance covers.
St.George Amplify Platinum
0% for 24 months with 1% balance transfer fee
$29 for the first year ($99 thereafter)
Earn 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days. Plus, a first-year annual fee discount and Kayo cashback offer.
Qantas American Express Ultimate Card
Up to 100,000 bonus Qantas Points (75k when you spend $3,000 in the first 3 months and 25k in year 2). Plus, a yearly $450 Travel Credit.
Westpac Altitude Platinum Card
0% for 24 months with 1% balance transfer fee
$49 for the first year ($150 thereafter)
Get 110,000 bonus Altitude Points (worth $350 cashback) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee discount.
American Express Explorer Credit Card
Get 100,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months. Plus, a $400 Travel Credit each year.
BankSA Vertigo
0% for 32 months
$0 for the first year ($55 thereafter)
Offers 0% p.a. for 32 months on balance transfers (with no balance transfer fee). Plus, a $0 first-year annual fee.
St.George No Annual Fee
0% for 12 months, reverts to 20.74%
Save with a 0% p.a. interest rate offer and a $0 annual fee. Plus, a minimum credit limit of $500.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% for 28 months
$0 for the first year ($129 thereafter)
Get 0% p.a. on balance transfers for 28 months (with no BT fee). Plus, $0 annual fee in the first year.
ANZ Low Rate
0% for 30 months
$0 for the first year ($58 thereafter)
Now eligible for Cashrewards Max. 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.
Qantas American Express Discovery Card
Earn uncapped Qantas Points for every $1 dollar spent, plus an ongoing $0 annual fee.

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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 our page about Bendigo Bank credit cards for more details and compare your options.

      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.

      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 enquire.


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