Credit Cards for Temporary Residents | Comparison & Application

Credit Cards for Temporary Residents

If you are a temporary resident of Australia, you may be eligible to apply for a credit card. Compare some of your options here.

5 reviews
Get 50,000 Membership Rewards points when you apply online, are approved and spend $3,000 in the first 3 months. New Card Members only.
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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Rated 4.8 out of 5 for customer satisfaction.
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HSBC Platinum Credit Card Balance Transfer Offer
Apply by 30 sep 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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Yes
19.99% p.a.
ongoing
$129
ongoing
St.George Vertigo Visa
Apply by 30 sep 20
25 reviews
0% p.a. for 22 months on balance transfers with 1.5% balance transfer fee. Reverts to cash advance rate.
0% p.a. on purchases for up to 7 months from card approval (reverts to 13.99% thereafter).
$0 p.a. annual fee for the first year ($55 p.a. thereafter).
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Yes
7 months
0% p.a.
then 13.99%
$0
1st year
then $55
Get 50,000 Membership Rewards points when you apply online, are approved and spend $3,000 in the first 3 months. New Card Members only.
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.
More info
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12 months or more; student visa is excluded
Long Term Visa
20.74% p.a.
ongoing
$395
ongoing
Receive 150,000 points with your new ANZ Rewards Black card (terms and conditions apply).
Free International Travel Insurance.
Eligibility criteria, T&Cs, fees and charges apply.
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Yes
20.24% p.a.
ongoing
$375
ongoing
Receive 50,000 points with your new ANZ Rewards card (terms and conditions apply).
An easy to manage credit limit from $1,000.
Earn ANZ Rewards Points on everyday purchases.
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Yes
20.24% p.a.
ongoing
$80
ongoing
ANZ Rewards Platinum Credit Card
Receive 100,000 points with your new ANZ Rewards Platinum card (terms and conditions apply).
A range of complimentary insurances for travel and purchases.
Earn ANZ Rewards Points on everyday purchases.
More info
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Yes
20.24% p.a.
ongoing
$95
ongoing
19,500 annual bonus points when you spend $24,000 on eligible purchases in the year.
0% p.a. on balance transfers for 6 months
Earn up to 1.5 pts per $1 spent on eligible purchases.
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Yes
19.99% p.a.
ongoing
$100
ongoing
75,000 annual bonus points when you spend $48,000 on eligible purchases in the year.
Earn up to 2 pts per $1 spent on eligible purchases.
No foreign transaction fees and complimentary international credit card travel insurance.
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Yes
19.99% p.a.
ongoing
$160
ongoing
Earn 0.75 points per $1 on your first $2,500 spent on eligible purchase per month.
Up to 12 months of extended warranty insurance and 3 months purchase security insurance (conditions apply).
Enjoy complimentary insurances along with this card including overseas travel insurance for you and family members travelling with you.
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Yes
20.49% p.a.
ongoing
$160
ongoing
Uncapped points-earning potential.
Up to 12 months of extended warranty insurance and 3 months purchase security insurance (conditions apply).
Enjoy complimentary insurances along with this card including overseas travel insurance for you and family members travelling with you.
More info
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Yes
20.49% p.a.
ongoing
$270
ongoing
Pay no annual fee as long as you hold the card.
2.99% p.a. for 9 months on balances transferred.
Up to 55 days interest free on purchases.
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Yes
17.99% p.a.
ongoing
$0
ongoing
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Q&As about Temporary Residents from customers

Who is a temporary resident?

A temporary resident is someone who resides in Australia commonly for work, education, diplomatic activity or training for a few short months or it could be for 4 years. For example, someone could be in Australia on a working holiday visa for up to 2 years. Another common example would be someone on a business entry visa which allow employers to recruit skilled people from overseas for a stay of up to four years.

How do I compare temporary resident credit cards?

From this page, it is possible to apply for the credit cards if you meet the eligibility requirements for that specific product. Then after that, it is up to you of what you need. If you are wanting points, consider getting a reward credit card. Or get a credit card with cash back on spending for a period of time.

What are the eligibility requirements for a temporary resident?

It depends on the credit card provider you are going to be with. For example, if you wanted to get an American Express credit card, you will need to have…

  • A Business Long Stay Visa. (Subclass 457)
  • A minimum income that varies between the American express products, but starts at AUD $35,000
  • And other criteria’s that need to be filled out depending on which card you apply for.

Another example is the range of Westpac credit cards. If you want to apply for these cards you will need:

  • To have a minimum fixed salary of AUD $50,000 p.a. Or a minimum deposit of AUD $250,000 in a Westpac account OR an ongoing source of income after arriving in Australia.
  • Or have an employee sponsored visa, Skilled Permanent or Skilled Independent Regional visa, Business Skills, Investor or Talent visa.
  • Be in Australia or be moving to Australia within six to eight weeks of submitting your application.
  • You have an Australian residential address (cannot be hotels and hostels).

What credit cards can I apply for being a Temporary Resident?

Your choices are restricted. The cards on this page are a selection of some of the cards open to temporary residents. There may be other cards not listed on this website.

Is it more difficult to be approved for a credit card if someone is a temporary resident in Australia?

Yes, the standards to prove your identity, residency status and income is higher than the standards needed for permanent residents or citizens of Australia. But it may not be as hard as you might think. If you can prove your residency status with your Immigration department visa documents, establish your ID and prove that you meet the income requirements then it is possible for a bank to approve your application.

People are happy

Rated 4.8 out of 5 for customer satisfaction.
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Guy Turland, Bondi Harvest, NSW
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Andrew, NSW
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