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Credit card application status: How to check it

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

If you apply for a credit card online, you could get a response within 60 seconds of submitting the application. But if you haven’t heard back from the credit card company – or if you want to follow up on some of the details you provided – you can also check your application status.

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, which means waiting times can 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 to your completed application within 60 seconds of submitting it 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
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 applications offer instant approval or conditional approval that can lead to an approved application within 2-4 business days. But, depending on the application, credit card providers could take between one to two weeks to review an application.

If you’re an existing member of the bank, the process may be quicker because they'll already have some of your details on hand. But whether you're an existing member or new to the bank, making sure you provide all the relevant information when you apply can help speed up the process. It's also a good idea to make sure you meet all eligibility requirements for the card before you apply.

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

With instant online applications, credit card issuers can provide a response on your application status almost immediately. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks. By providing all the required information and keeping a good credit history, you can look forward to instant approval.

amber-traffic-light-md (2)Referral

If your credit card application is under referral, the card provider requires more time to carry out further assessments before giving you a conclusive answer.

amber-traffic-light-md (2)

Conditional approval

Getting conditional approval essentially means that the credit card provider is buying time to verify your details before granting approval. In such a scenario, you might have to provide personal identification documents or payslips by visiting a branch office or via fax. Complete approval only takes effect after that’s done and you’ve signed the contract.

redlight (2)Application not approved

The reason behind a provider not approving your application could be that you haven’t met the lending criteria. Such factors could include insufficient income, poor creditworthiness or credit history, and unstable employment. If you’ve been rejected, don’t apply for another card straight away. Instead, either request a copy of your credit report to make sure everything’s in order or start comparing other cards to apply for in a few months, making sure you’re paying attention to the eligibility requirements.

Why is my credit card application taking so long?

If you thought you'd hear back about you application before now, here are some of the most common reasons your credit card application could be delayed:

  • Not enough information. If you haven't given enough details on your application, or if the information is wrong or inconsistent, the provider may need to contact you to get the right information. This adds an extra step to the application process that can cause delays.
  • 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.

You can usually sort out delays by calling the credit card provider and checking your application status for up-to-date information. Also keep an eye on your inbox, mailbox and phone in case the provider is trying to get in touch with you.

What mistakes should I avoid when I'm waiting to hear about a credit card application?

Here are some of the common issues to avoid when you're waiting to hear back about the status of your credit card application:

  • 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 credit score 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 investigation and correction.
  • 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 lunch time or after 5pm when they’re likely to be inundated with calls.

Applying for a credit card is one thing, but receiving it is quite another. You may have to wait a considerable period for it, which is why we recommend you apply in advance and always stay on top of your application by calling your provider.

Compare Credit Cards with 60 second approval

Rates last updated February 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
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 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 a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1 Amplify Point 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.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 16 month balance transfer offer and special offers from Visa Entertainment.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and 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
20.24% p.a.
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 60,000 bonus Altitude points when you reach a minimum spend of $3,000 on eligible purchases. Plus, a reduced annual fee for the first year.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Receive 60,000 bonus Amplify or Qantas Points when you spend $3,000 within 90 days and earn up to 1 Amplify point per $1 spent.
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Qantas or Amplify Points when you spend $5,000 within 90 days and receive 2 complimentary airport lounge passes per year.
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.
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Offer ends on 28 February 2018.
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.
4.99% p.a. for 6 months
$250 p.a.
Offers 50,000 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.
4.99% p.a. for 6 months
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 days interest-free on purchases.

NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
4.99% p.a. for 6 months
$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
$95 p.a.
Receive 0.75 NAB Rewards Points per $1 spent and complimentary purchase protection insurance. Plus, a 0% p.a. for 6 months balance transfer offer.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months
$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.
St.George Rainbow Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Enjoy $0 first year annual fee and a 0% p.a. for 18 months on balance transfers. Plus, receive up to 55 days interest-free on purchases.

Compare up to 4 providers


Frequently asked questions about credit card applications

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Credit Card Offers

Important Information*
NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Westpac Low Rate - Online Offer
Westpac Low Rate - Online Offer

Interest rate

13.49

Annual fee

59
Bankwest Breeze Classic Mastercard
Bankwest Breeze Classic Mastercard

Interest rate

12.99

Annual fee

79
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