Instant Approval Credit Cards2

Get a decision on your credit card application within 60 seconds when you apply for one of these instant approval cards.

0% p.a. for 26 months on balance transfers. (2% balance transfer fee applies). Reverts to variable cash advance rate.
$0 p.a. annual fee for the first year.
Up to 55 days on purchases
Know if you’ve been approved with the quick 60 second online application.
New cards only, conditions apply.

In a world where no one likes to wait for anything, getting instant approval for a credit card application does have its attraction. While the response is not quite instant – it takes about 60 seconds – and not always an approval, these cards can certainly allow for better financial planning.

As many of these instant approval cards come with the same features as other cards, it’s often possible to initiate a balance transfer, for example, immediately upon approval, rather than having to wait several weeks while your high interest debt continues accruing interest.

Because the process is automated, however, there is no leeway for people with less-than-perfect credit to negotiate – the process relies on set criteria, including income, employment and debt repayment history. In addition, instant approval sometimes means a higher-than-average annual fee, although plenty of cards listed here offer introductory waivers. Finally, the idea of instant approval should not stir you to keep applying for card after card. Getting declined, particularly getting declined frequently, can hurt your credit rating significantly.

My rate: 
17%
 
My annual fee: 
$90
 
Transfer: 
$5,000
 
From: 
All banks
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
balance transfer
purchase rate
annual fee
Money saved
CREDIT CARD COMPARE EXCLUSIVE:
0% p.a. for 25 months on balance transfers. Reverts to cash advance rate.
No balance transfer fee.
7 types of complimentary insurances including overseas travel insurance.
More info
Add to comparison
25 months
0% p.a.
then 21.74%
with a 0% fee
19.74% p.a.
ongoing
$90
ongoing
Westpac Low Rate Credit Card Exclusive Offer
Apply by 31 jul 18
0% p.a. for 26 months on balance transfers. (2% balance transfer fee applies). Reverts to variable cash advance rate.
$0 p.a. annual fee for the first year.
Up to 55 days on purchases
More info
Add to comparison
26 months
0% p.a.
then 19.49%
with a 2% fee
13.49% p.a.
ongoing
$0
1st year
then $59
HSBC Platinum Credit Card
Apply by 31 jul 18
14 reviews
0% p.a. on balances transferred for 22 months, with a 2% balance transfer fee.
No annual fee for the first year. Annual fee refunded for each subsequent year. (Conditions Apply)
Earn 2 pts per $1 spent on overseas purchases.
More info
Add to comparison
22 months
0% p.a.
then 21.99%
with a 2% fee
19.99% p.a.
ongoing
$0
1st year
then $129
St.George Vertigo Platinum Credit Card Exclusive Offer
Apply by 01 aug 18
0% p.a. for 24 months on balance transfers. (1% balance transfer fee applies). Reverts to variable cash advance rate.
Low ongoing variable purchase interest rate of 12.74% p.a.
$0 p.a. annual fee for the first year.
More info
Add to comparison
24 months
0% p.a.
then 19.49%
with a 1% fee
12.74% p.a.
ongoing
$0
1st year
then $99
Virgin Australia Velocity Flyer Credit Card 0% p.a. Purchase Offer
Apply by 02 sep 18
2 reviews
0% p.a. for 14 months on purchases.
Earn Velocity Points on your everyday spend.
$129 Virgin Australia Gift Voucher each year.
More info
Add to comparison
6 months
0% p.a.
then 20.99%
with a 0% fee
14 months
0% p.a.
then 20.74%
$129
ongoing
Virgin Australia Velocity Flyer Credit Card
Apply by 02 sep 18
14 reviews
Save money with 0% p.a. for 18 months on balance transfers. (Reverts to cash advance rate)
Earn 3 bonus Velocity Points on top of the standard earn rate for the first 3 months.
$129 Virgin Australia Gift Voucher each year.
More info
Add to comparison
18 months
0% p.a.
then 20.99%
with a 0% fee
20.74% p.a.
ongoing
$64
1st year
then $129
NAB Qantas Rewards Signature Card
90,000 Qantas Points when you spend $4,000 on everyday purchases in 60 days.
Seven complimentary insurances when you make an eligible purchase.
Reduced Annual Fee of $295 in first year. (reverts to $395 after first year).
More info
Add to comparison
6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$295
1st year
then $395
0% p.a. for 13 months on purchases.
Minimum credit limit of $1,000
0% p.a. for 13 months on balance transfers. (2% balance transfer fee applies).
More info
Add to comparison
13 months
0% p.a.
then 12.99%
with a 2% fee
13 months
0% p.a.
then 12.99%
$79
ongoing
0% p.a. for 6 months on purchases.
Make purchases with NAB’s lowest interest rate card and longest interest-free period.
Low $59 p.a. annual fee.
More info
Add to comparison
6 months
0% p.a.
then 21.74%
with a 2% fee
6 months
0% p.a.
then 13.99%
$59
ongoing
The American Express Essential® Credit Card
5 reviews
$0 p.a. annual fee.
Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone (Conditions apply)
Eligible for use with Google Pay™, Apple Pay and Samsung Pay.
More info
Add to comparison
12 months
0% p.a.
then 14.99%
with a 3% fee
14.99% p.a.
ongoing
$0
ongoing
NAB Rewards Platinum Card
60,000 points when you spend $2,500 in 60 days of account opening.
Earn triple points when travelling overseas or overseas purchases made here in Australia.
Earn double points on purchases made in major department and hardware stores.
More info
Add to comparison
6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$195
ongoing
Show more cards
75,000 bonus Qantas Points*
and $200 back when you make one eligible purchase in the first 3 months.
ANZ Frequent Flyer Black Credit Card
15 reviews
75,000 bonus Qantas Points and $200 back when you make one eligible purchase in the first 3 months.
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
Use your ANZ Frequent Flyer Black card to purchase your Qantas Club Membership and save up to $475 in your first year of membership.
Relax in luxury while you wait for departure with two Qantas Club lounge access invitations per year.
Complimentary access to participating airport lounges through Veloce.
A range of complimentary insurances for travel and purchase.
Google Pay™, Samsung Pay™ and Apple Pay let you use your compatible Android or Apple device to tap and pay.

Promotion. Credit criteria, fees and charges apply. Read the terms and conditions before making a decision.

 

Q&As about Instant Approval Credit Cards from customers

Q: How does the 60 second instant approval process work?

When you apply online with the fast 60 second approval, your personal financial data is automatically checked with the national credit bureaus, calculations are made to decide whether you qualify and an automated response is sent directly. The whole process usually takes 60 seconds or less, although some banks can take slightly longer. The decision at 60 second should be considered conditionally approved until the bank checks the rest of your details.

Q: What are the easiest credit cards to get approved for?

All banks will check out your financials and your credit history to figure out if you are eligible or safe to approve. Your best course of action is to apply for credit cards for which you comfortably meet the minimum eligibility criteria.

Q: Who is eligible?

Legibility requirements usually include citizenship or residency in Australia, a good credit rating and n income above the threshold applicable to the specific credit card.

Q: What about balance transfers?

An instant approval credit card with the option of a balance transfer allows you to move existing credit card debt to the new card and repay the old debt at a special low interest rate for a fixed period. Make sure the balance transfer deal you choose offers the best combination of interest rates and offer duration to make the most savings. When you are filling in the online application, apply for the balance transfer at the same time so you can start saving straightaway.

Q: What other features should I look out for?

Some credit cards feature a special introductory offer of a low purchase rate for a fixed period. This can greatly reduce the cost of using your card, but you must be aware of how the interest rate changes at the end of the promotion. Many cards provide membership to rewards schemes including frequent flyer programs, retail rewards and other types of benefit, such as cash back, charity donations and more. If the card you are applying for includes a loyalty program, ensure that you can earn points in the way you like to spend and that you can make use of the rewards.

Q: How do I compare cards before applying?

The purchase rate is the first factor to compare; this is the interest applied to any unpaid balance on your monthly credit card statement for purchases. You should also be aware that other transactions, such as cash advances, typically attract higher rates of interest, so familiarise yourself with these before applying. If the card has an annual fee, you should decide whether you can afford it and whether the extras are going to be of any benefit to you.

Q&A's about Applying for a 60 Second Response Credit Card

Q: What information do I need ready to apply for an instant credit card?

On the application form you are required to provide a set of personal data – your name and address, previous address if you recently moved, employer, income and information on creditors and any outstanding debts.

Q: Should I apply for multiple credit cards at the same time?

No, that’s not a good idea. It can make your credit report look bad, especially if you’ve recently been declined for a credit card or some other loan. It’s much better to make your decision on our credit card comparison site about which card to go for before clicking out to fill in an application. Here’s why: the banks do a soft search enquiry of your credit report when processing your instant approval credit card application so if they see a ‘busy’ credit report where multiple enquiries have been made of your credit report by other banks all around the same time then it could be irresponsible for them to approve your application. This would more than likely result in your application being declined.

Q: How closely will the banks look at my credit card application?

All banks look at your personal financial situation in order to figure out if you should be approved or not. The bank will want to verify your age to make sure you are over 18 years old, verify your income, check your residency status and also check your credit rating to calculate how capable you are to repay your card.

Q: Will the bank check my credit report?

Yes. The bank will still check your credit report when processing your application.

Q: Is my credit rating important for getting approved?

Yes, it’s crucial. Your credit rating is the key consideration for banks when they decide whether or not to approve you for one of their credit cards. Since the application is completed online and the decision is made automatically, approval or non-approval is fairly inflexible. You can check your own credit report by applying to a credit checking agency, and it’s a good idea to do this once a year to check that everything is up-to-date and there are no mistakes on your file.

Q: If my application is declined, should I apply for a different card?

No, this could lead to you being repeatedly declined. Every time you apply for a new credit card, the bank checks your credit file, which includes details on any recent successful or unsuccessful credit card applications. Banks tend to look down on people who apply for multiple cards within a short period of time – they think it’s a sign of careless money management. The best thing you can do is to hold tight for a while before applying again. Failing to do so could mean you’re stuck in a circle of being declined for being perceived as having a higher-risk credit card user.

Q: If my application is instantly approved after 60 seconds, am I definitely getting a new card?

The bank will give instant preliminary approval on condition of you meeting their lending criteria. If it turns out that you don’t actually meet their requirements, that details were missing or inaccurate from the documents you submitted, or that you can’t provide evidence to back up what your application, then the bank can decline your application.

Q: Are there tools or calculators on this site that can help me find a credit card?

Yes, we’ve made tools and calculators. Start with our Smart Search tool – it’s able to filter the credit cards on this site based on what you want from a credit card and a basic sketch of your financials which means you may stand a better chance of being approved.

Featured in
Compare these cards: