Instant Approval Credit Cards | Apply for 60 Sec Response

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.

43 reviews
0% p.a. for 18 months on balance transfers. Reverts to variable cash advance rate.
Low purchase rate of 13.74% p.a..
Up to 55 days on purchases.
Know if you’ve been approved with the quick 60-second online application.

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: 
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balance transfer
purchase rate
annual fee
Money saved
American Express Explorer® Credit Card
Apply by 18 jun 19
5 reviews
American Express Vivid Sydney Offer: Get 100,000 bonus Membership Rewards points when you apply online, are approved and spend $1,500 in the first 3 months.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
T&Cs and eligibility criteria apply. Available to new card members only.
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12 months
0% p.a.
then 20.74%
with a 1% fee
20.74% p.a.
ongoing
$395
ongoing
No foreign transaction fees on purchases when travelling or shopping online.
No currency conversion fees.
$0 p.a. annual fee.
More info
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-
21.99% p.a.
ongoing
$0
ongoing
Get 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months.
Earn 1.25 Qantas Points for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
$450 Qantas Travel Credit each year. (Conditions Apply)
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12 months
0% p.a.
then 20.74%
with a 1% fee
20.74% p.a.
ongoing
$450
ongoing
BankSA Vertigo Platinum Credit Card
Apply by 22 may 19
0% p.a. for 26 months on balance transfers. Reverts to cash advance rate (2% balance transfer fee applies).
No annual fee for the first year ($99 p.a. thereafter).
Low ongoing variable purchase interest rate of 12.99% p.a.
More info
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26 months
0% p.a.
then 21.49%
with a 2% fee
12.99% p.a.
ongoing
$0
1st year
then $99
Westpac Low Rate Credit Card
Apply by 26 jun 19
43 reviews
0% p.a. for 18 months on balance transfers. Reverts to variable cash advance rate.
Low purchase rate of 13.74% p.a..
Up to 55 days on purchases
More info
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18 months
0% p.a.
then 21.49%
with a 0% fee
13.74% p.a.
ongoing
$59
ongoing
Virgin Australia Velocity Flyer Credit Card Balance Transfer and Annual Fee Offer
Apply by 30 jun 19
Earn 20,000 bonus Velocity Points.
A $129 Virgin Australia Gift Voucher each year.
All this value and more for a reduced $50 p.a. annual fee each year (normally $129 p.a.).
Spend criteria, Terms and Conditions apply.
More info
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18 months
0% p.a.
then 20.99%
with a 0% fee
20.74% p.a.
ongoing
$50
ongoing
Virgin Australia Velocity Flyer Credit Card Points Offer
Apply by 30 jun 19
Earn up to 75,000 bonus Velocity Points (Spend Conditions Apply).
Save money with 0% p.a. for 18 months on balance transfers. (reverts to cash advance rate)
$129 Virgin Australia Gift Voucher which cardholders get each year.
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18 months
0% p.a.
then 20.99%
with a 0% fee
20.74% p.a.
ongoing
$64
1st year
then $129
Latitude Infinity Rewards Card
Unlimited points that never expire.
Earn 1 pt per $1 spent.
Minimum credit limit of $1,000.
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-
20.69% p.a.
ongoing
$69
ongoing
100,000 bonus Qantas Points and $200 back when you spend $4,000 on eligible purchases in the first 3 months.
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period.
Get complimentary Overseas Travel and Medical Insurance (eligibility criteria apply) provided by QBE Insurance.
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-
19.99% p.a.
ongoing
$425
ongoing
Coles No Annual Fee Mastercard
Apply by 30 jun 19
77 reviews
No annual fee to pay, ever.
Save $10 instantly at the checkout when you redeem 2,000 flybuys points.
0% p.a. on balance transfers for 6 months (reverts to Cash Advance rate).
More info
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6 months
0% p.a.
then 19.99%
with a 0% fee
19.99% p.a.
ongoing
$0
ongoing
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 Card Fee of $295 in first year (reverts to $395 after first year).
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$295
1st year
then $395
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Q&As about Instant Approval Credit Cards² 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 approval of the credit card is subject to the final decision of the Bank.

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&As 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.

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