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.

85 reviews
0% p.a. for 22 months on balance transfers (1.5% balance transfer fee applies). Reverts to cash advance rate.
Low 12.49% p.a. ongoing rate on purchases.
No annual fee for the first year ($58 p.a. thereafter).
Eligibility criteria, T&Cs, fees and charges apply.
People are happy
Rated 4.8 out of 5 for customer satisfaction.
You may have seen us in
My rate: 
17%
 
My annual fee: 
$90
 
Transfer: 
$5,000
 
From: 
All banks
balance transfer
purchase rate
annual fee
Money saved
0% p.a. for 22 months on balance transfers (1.5% balance transfer fee applies). Reverts to cash advance rate.
Low 12.49% p.a. ongoing rate on purchases.
No annual fee for the first year ($58 p.a. thereafter).
More info
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22 months
0% p.a.
then 20.24%
with a 1.5% fee
12.49% p.a.
ongoing
$0
1st year
then $58
HSBC Platinum Credit Card Balance Transfer Offer
Apply by 30 jun 20
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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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 05 aug 20
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
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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 jun 20
6 reviews
0% p.a. on purchases for up to 15 months from card approval.
$49 p.a. annual fee for the first year ($99 p.a. thereafter).
Low revert rate on Purchases of 12.99% p.a. (ongoing).
More info
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12 months
6.99% p.a.
then 21.49%
with a 0% fee
15 months
0% p.a.
then 12.99%
$49
1st year
then $99
Bank of Melbourne Vertigo Visa
Apply by 02 jun 20
10 reviews
0% p.a. for 18 months on balance transfers with no balance transfer fee. Reverts to cash advance rate.
$55 p.a. annual fee.
Low ongoing variable purchase interest rate of 13.99% p.a.
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18 months
0% p.a.
then 21.49%
with a 0% fee
13.99% p.a.
ongoing
$55
ongoing
Virgin Money No Annual Fee Credit Card
Apply by 30 jun 20
13 reviews
$0 annual fee for the life of the card.
0% p.a. for 12 months on balance transfers.
Up to 55 days on purchases.
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12 months
0% p.a.
then 20.99%
with a 0% fee
18.99% p.a.
ongoing
$0
ongoing
Virgin Money No Annual Fee Credit Card 0% p.a. for 9 Months on Purchases and Balance Transfer Offer
Apply by 30 jun 20
$0 annual fee for the life of the card.
0% p.a. for 9 months on purchases (reverts to 18.99% thereafter).
0% p.a. for 9 months on balance transfers (reverts to 20.99% thereafter).
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9 months
0% p.a.
then 20.99%
with a 0% fee
9 months
0% p.a.
then 18.99%
$0
ongoing
Get 55,000 bonus Qantas Points when you apply by online, are approved and spend $3,000 within the first 3 months. New Card Members only.
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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-
20.74% p.a.
ongoing
$450
ongoing
Westpac Altitude Platinum Credit Card (Altitude)
Apply by 05 aug 20
30 reviews
Receive 80,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval.
Choose to earn into two great rewards programs: Altitude Rewards or Altitude Qantas.
Earn up to 3 Altitude points per $1 spent (terms and conditions apply).
More info
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-
20.49% p.a.
ongoing
$150
ongoing
A low-interest rate of 12.99% p.a. on purchases.
0% p.a. for 6 months on balance transfers with a 2% BT fee (Reverts to 12.99% thereafter).
Low annual fee of $79 p.a.
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6 months
0% p.a.
then 12.99%
with a 2% fee
12.99% p.a.
ongoing
$79
ongoing
Westpac Altitude Platinum Credit Card (Qantas)
Apply by 05 aug 20
Now, you can choose to directly earn Qantas points with this Westpac card!
Receive 60,000 bonus Qantas points (terms and conditions apply).
Earn 0.5 Qantas points per $1 spent with this card.
More info
Add to comparison
-
20.49% p.a.
ongoing
$200*
ongoing
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Q&As about Instant Approval Credit Cards² from customers

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.

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.

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.

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.

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.

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

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.

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.

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.

Will the bank check my credit report?

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

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.

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.

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.

People are happy

Rated 4.8 out of 5 for customer satisfaction.
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T. Davidson, WA
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