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.

accepts temp residents
purchase rate
annual fee
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St.George Vertigo Platinum Credit Card Exclusive Offer
Apply by 17 dec 18
0% p.a. for 24 months on balance transfers with no balance transfer fee. Reverts to variable cash advance rate.
Low ongoing variable purchase interest rate of 12.74% p.a.
$99 p.a. annual fee.
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Yes
12.74% p.a.
ongoing
$99
ongoing
0% p.a. for the first 15 months on balance transfers with no balance transfer fee.
Low 12.49% p.a. ongoing rate on purchases.
Low annual fee of $58 p.a.
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Yes
12.49% p.a.
ongoing
$58
ongoing
ANZ Frequent Flyer Black Credit Card
Apply by 31 mar 19
15 reviews
120,000 bonus Qantas Points and $150 back when you spend $7,500 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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Yes
19.99% p.a.
ongoing
$425
ongoing
$0 p.a. annual fee for the first year, then $30 p.a.
An easy to manage credit limit from $500 will mean you can’t build up a lot of debt.
Make every day a little bit easier and do your banking on the go with the ANZ App.
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Yes
19.74% p.a.
ongoing
$0
1st year
then $30
American Express Explorer® Credit Card
Apply by 07 jan 19
5 reviews
Get 100,000 points when you apply online by 7 January 2019, 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.
Enjoy up to two entries per year to the American Express Lounge at Sydney or Melbourne Airports.
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Subclass 457
Business Long Stay Visa
20.74% p.a.
ongoing
$395
ongoing
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).
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Yes
13 months
0% p.a.
then 12.99%
$79
ongoing
No annual card fee to pay each year.
Base earn rate is 0.75 pt per $1 spent. Get an additional 1 point per $1 when spending with Virgin Australia.
0% p.a. for 12 months for balance transfers and a one-off credit plan establishment fee of 1%.
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Subclass 457
Business Long Stay Visa
20.74% p.a.
ongoing
$0
ongoing
0% p.a. for the first 18 months on balance transfers with a 2% balance transfer fee on amounts transferred. Reverts to 21.49% p.a.
Low annual fee.
Up to 44 days interest free on purchases when you pay your account in full each month.
More info
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Yes
19.74% p.a.
ongoing
$30
ongoing
HSBC Platinum Credit Card
Apply by 31 dec 18
14 reviews
0% p.a. on balances transferred for 22 months, with a 2% 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
25,000 bonus Qantas points when you spend $1,500 on eligible purchases in the first 3 months.
Complimentary Qantas Frequent Flyer membership.
Eligibility criteria, T&Cs, fees and charges apply.
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Yes
19.99% p.a.
ongoing
$95
ongoing
75,000 bonus Qantas points and $75 back when you spend $5,000 on eligible purchases in the first 3 months.
Complimentary Qantas Frequent Flyer Membership.
Eligibility criteria, T&Cs, fees and charges apply.
More info
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Yes
19.99% p.a.
ongoing
$295
ongoing
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Q&A's about Temporary Residents from customers

Q: 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.

Q: 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.

Q: 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).
Q: 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.

Q: 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.

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