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.

0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
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HSBC Platinum Credit Card Balance Transfer Offer
Apply by 30 sep 19
Application
on HSBC's website

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
balance transfer
purchase rate
annual fee
Money saved
HSBC Platinum Credit Card Balance Transfer Offer
Apply by 30 sep 19
0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
More info
Add to comparison
22 months
0% p.a.
then 21.99%
with a 0% fee
19.99% p.a.
ongoing
$129
ongoing
Westpac Low Rate Credit Card
Apply by 15 oct 19
38 reviews
0% p.a. for 16 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
Add to comparison
16 months
0% p.a.
then 21.49%
with a 0% fee
13.74% p.a.
ongoing
$59
ongoing
St.George Vertigo Platinum Credit Card
Apply by 02 oct 19
6 reviews
0% p.a. for 18 months on balance transfers. Reverts to cash advance rate. (0% balance transfer fee applies).
Low ongoing variable purchase interest rate of 12.99% p.a.
$49 p.a. annual fee for the first year.
More info
Add to comparison
18 months
0% p.a.
then 21.49%
with a 0% fee
12.99% p.a.
ongoing
$49
1st year
then $99
Virgin Australia Velocity Flyer Credit Card $50 Annual Fee Offer
Apply by 30 sep 19
Save with a reduced ongoing $50 p.a. annual fee (normally $129 p.a.).
Earn 3 additional bonus Velocity Points per $1 spent (terms and conditions apply).
A $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
$50
ongoing
Bank of Melbourne Vertigo Platinum Credit Card
Apply by 02 oct 19
3 reviews
0% p.a. for 18 months with 0% fee on balance transfers. Reverts to cash advance rate.
Reduced annual fee of $49 p.a. for the first year ($99 p.a. thereafter).
Complimentary overseas travel insurance and extended warranty on purchases.
More info
Add to comparison
18 months
0% p.a.
then 21.49%
with a 0% fee
12.99% p.a.
ongoing
$49
1st year
then $99
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 Allianz Insurance.
More info
Add to comparison
-
20.24% p.a.
ongoing
$425
ongoing
NAB Qantas Rewards Signature Card
Earn up to 120,000 Qantas Points. Get 90,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points on payment of second year annual fee.
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
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
Virgin Australia Velocity High Flyer Credit Card
Apply by 02 dec 19
Earn up to 100,000 bonus Velocity Frequent Flyer Points. (Conditions Apply)
0% p.a. for 15 months on balance transfers.
Exclusive new $129 Virgin Australia Gift Voucher which cardholders get each year.
More info
Add to comparison
15 months
0% p.a.
then 20.99%
with a 0% fee
20.74% p.a.
ongoing
$289
ongoing
American Express Qantas Ultimate Credit Card
Apply by 09 oct 19
2 reviews
Get 100,000 bonus Qantas Points when you apply by 9 October 2019, 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)
More info
Add to comparison
12 months
0% p.a.
then 20.74%
with a 1% fee
20.74% p.a.
ongoing
$450
ongoing
HSBC Platinum Credit Card
Apply by 30 sep 19
12 reviews
0% p.a. on balances transferred for 12 months, with 0% balance transfer fee.
0% p.a. for 12 months on purchases.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
More info
Add to comparison
12 months
0% p.a.
then 21.99%
with a 0% fee
12 months
0% p.a.
then 19.99%
$129
ongoing
Receive 50,000 bonus Velocity Points when you apply online, are approved and spend $3,000 within the first 3 months. This offer is available to new Card Members only.
Earn 1.25 Velocity Points per $1 spent, except government bodies where you will earn 0.5 Velocity Points per $1 spent.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
More info
Add to comparison
12 months
0% p.a.
then 20.74%
with a 1% fee
20.74% p.a.
ongoing
$375
ongoing
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Get a response in just 60 seconds!

Eligibility and credit criteria apply.
Westpac Low Rate Credit Card
38 reviews
Apply online in 10 minutes and get a response in 60 seconds.
0% p.a. and no balance transfer fee for 16 months on Balance Transfers. Reverts to variable cash advance rate.
Low purchase rate of 13.74% p.a..
Low minimum income threshold of $15,000 needed for eligibility.

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

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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