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How to check your credit card application status

Want to know what's going on with your credit card application? Here's how you can check it.

If you've applied for a credit card but have not heard from the provider, or if you want to follow up on some of the details you provided, you may want to check your application status. This can help you deal with any possible issues and should give you a clear idea of when to expect your new card if your application is approved.

Use this guide to learn how you can check your application status with major credit card companies in Australia including ANZ, CommBank, NAB, Westpac and St.George. We also look at some key details on how the application process works so you know what to expect when you apply for a new card.

How can I check my credit card application status?

Every credit card provider has a slightly different application process, so waiting times will vary. But if you haven’t received a response to your application and want to know more, you can use the table below to find out about the standard waiting times and how you can check on the status of your application.

Credit card provider
Application details
Contact number
AMEX-logo-smallYou should receive a response within 60 seconds of submitting your credit card application online. If you have any questions, you can call American Express for further details.1300 557 743
Monday–Friday, 8am–6:30pm (Sydney time)
anz logo smallAfter you submit your application for an ANZ credit card, you'll get a response within 60 seconds and receive an application reference number. To check your ANZ credit card application status, call the bank and quote this reference number.13 22 73
24 hours, 7 days a week
bom logo smallBank of Melbourne provides you with an application number and password to check your application online. You can also receive an email or SMS with your application status or call 13 22 66 to follow up.13 22 66
24 hours, 7 days a week
citi logoCiti provides you with an application ID or reference number you can use to check the status of your application online. Alternatively, you can call customer service on 13 24 84.13 24 84
24 hours, 7 days a week
coles logoYou can contact Coles Mastercard about your credit card application or write to GPO Box 940 Melbourne VIC 3001.1300 306 397
Mon-Fri: 8am-9pm
Sat: 8am-8pm
Sun: 8:30am-8pm (AEST)
Commonwealth Bank TransparentIf you are an existing CBA customer, you can track the status of your application in NetBank. You can also submit an enquiry via NetBank.13 22 21
24 hours, 7 days a week
hsbc logoYou can check your application status online using your date of birth and application reference, or other personal details. You can also call HSBC to ask for an update.1300 308 008
Mon-Fri: 8am-8pm
imb-bank-logoYou can fill out an online enquiry form via the imb website, or call customer service for application updates.133 462
Mon-Fri: 8am-8pm
Sat: 9am-4pm
latitude logoLatitude Financial Services has dedicated phone numbers for individual cards, which we've listed here.28 Degrees Platinum Mastercard: 1300 552 079
Gem Visa:
1300 630 977
GO Mastercard:
1300 462 273 Latitude Mastercard: 1300 882 289
nab-logoYou can seek help from a NAB consultant using live chat on the NAB website or by contacting them via email through the secure message form on their website.13 22 65
Mon-Fri: 8am–7pm
Sat-Sun: 9am–6pm
people choice logoIf you’re an existing customer, you can send a secure mail enquiry using Internet Banking.13 11 82
Mon-Fri: 8am-8pm
Sat: 8:30am-4:30pm
Log on to the St.George website to check on your application or be updated via email or SMS through the process.13 33 30
24 hours, 7 days a week
virgin money logoCheck your application status online at Virgin Money on their "application status" page.1300 335 213
24 hours, 7 days a week
Westpac-Transparent 2You can track your application online by providing your reference number and some personal security details, chat with a representative online or call Westpac's general enquiries number.132 032
Mon-Sun: 8am-8pm

How long will it take for my application to be approved?

Most credit card companies offer a response within 60 seconds from when you submit your completed application online. This means you could be approved almost instantly if your application is successful. But if the credit card provider requires more information or doesn't offer "instant approval", it could take anywhere from a few business days to one or two weeks for you to find out if you're approved.

What responses could I get when I apply for a credit card?

ccf-applications-250x250Most credit card providers aim to give you an instant response when you apply online. Here are some of the most common outcomes:

greenlight (1)Instant approval

Some credit card issuers will provide a response to your application almost immediately. They have a system in place to review the details quickly before progressing with the application. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks.

amber-traffic-light-md (2)Referral

If the status of your credit card application is listed as "under referral", it means that the bank or provider is still assessing the details of your application. You may also be asked for more information before you can get an outcome.

amber-traffic-light-md (2)

Conditional approval

This means that the credit card provider needs more information from you before your application can be fully approved. For example, you may need to submit extra payslips, provide your last tax assessment or visit a branch to verify your identity. The provider will let you know what's required by email or phone and, once you've fulfilled these conditions, your application can be officially approved.

redlight (2)Application not approved

An unsuccessful credit card application usually means you haven’t met the provider's lending criteria. Some of the most common reasons credit card applications are not approved include incorrect information on the application, a low income, bad credit history or unstable employment. If your application has been unsuccessful, it's generally a good idea to avoid applying for another credit card straight away because it could have a negative impact on your credit score.

Instead, you may want to contact the provider and ask if they can provide you with a reason for the outcome (although providers are not required to give out these details). You can also request a copy of your credit report (you can get a free copy of your Experian credit report here) to see what's listed there or wait a few months before you start comparing other cards, with eligibility requirements that you can meet.

Why is my credit card application taking so long?

If you're still waiting to hear back about your credit card application, here are some of the most common reasons for a delay:

  • Not enough information. If you haven't given enough details on your application, or if the information is wrong, the provider may need to contact you to get the right information.
  • Credit issues. If you have black marks on your credit report, the provider may want to look at them in more detail before completing its assessment of your application.
  • High demand. Sometimes a credit card provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a very competitive introductory offer available.
  • Incomplete applications. If you have missed a step in the application process, such as submitting additional documents and information, then this will hold up the application until you have provided all the information that the bank requires.

How can I speed up the application process?

It's possible the application process could be quicker if you’re an existing member of the bank, because they'll already have some of your details on hand. Whether you're an existing member or new to the bank, making sure you provide all the relevant information and meeting the eligibility requirements will help speed up the process.

Mistakes to avoid

Here are some of the common issues to avoid when you're applying for a credit card or waiting for a response:

  • Making multiple applications. You may be tempted to apply for another credit card while you’re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.
  • Credit report mistakes. If your credit card was rejected and you’re unsure why, make sure you’ve met the eligibility requirements and order a copy of your full credit report and credit score (which you can do for free with finder) to make sure you haven’t fallen victim to fraud or mistakes on your file. If you find a genuine error on the report, contact the credit card provider and credit reporting body to initiate an investigation and correct the error.
  • Customer service delays. It could take days or weeks for a bank to respond to an email enquiry and you’re to expect wait times when you’re contacting the customer service phone line. Before you call, make sure the number you’re dialling is toll-free. If it isn’t, avoid calling early in the morning, at lunchtime or after 5pm when you could be on hold for a long time.

What's next?

If you're waiting to hear back about a credit card application, you can contact the provider now to find out what's going on. Or, if you're getting ready to apply for a new credit card, you can compare your options here and learn more about the online application process to help get a response within minutes of submitting it.

Compare Credit Cards with 60 second approval

Rates last updated June 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits including complimentary insurance, plus first year annual fee waiver and 0% p.a. for 24 months on balance transfers.
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.
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.
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.
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.
St.George Amplify Signature - Qantas
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Qantas Points when you spend $4,000 within 90 days and receive two complimentary Qantas Club lounge invitations per year.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. 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.
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.
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.
St.George Vertigo Visa
13.74% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$55 p.a.
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
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.
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.
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.

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Credit Card Offers

Important Information*
Westpac Low Rate Card
Westpac Low Rate Card

Interest rate

13.49

Annual fee

59
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

129
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
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