Instant Approval Credit Cards
Apply for an Instant Decision Credit Card
It used to be that you would have to wait at least two weeks to a month to hear back about an approval for a credit card application.
Instant Approval Cards Comparison
| Interest Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Cash Advance Rate (p.a.) | ||
|---|---|---|---|---|---|
 Westpac Low Rate Card | 1.9% for 9 months (reverts to 13.49% ) | 3.99% for 6 months | $0 annual fee for the first year ($45 thereafter) | 21.49% |
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 St.George Vertigo | 13.24% | 0.99% for 6 months | $55 | 21.49% |
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 Virgin Flyer Credit Card | 20.99% | 1.9% for 12 months | $50 (for first year thereafter $99) | 20.99% |
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Westpac 55 Day Credit Card | 0% for 5 months (reverts to 19.59% ) | 3.99% for 6 months | $0 annual fee for the first year ($30 thereafter) | 21.49% |
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 ANZ Low Rate MasterCard - Balance Transfer | 0% for 3 months (reverts to 13.39% ) | 0% for 3 months | $58 | 21.49% |
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 ANZ First Visa Credit Card | 19.39% | 2.9% for 12 months | $30 | 20.99% |
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 Citibank Rewards Credit Card - Platinum Card | 20.99% | 0.9% for 15 months | $199 | 21.74% |
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 ANZ Rewards Credit Card | 19.89% | $89 | 20.99% |
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 BankSA Vertigo MasterCard | 13.24% | 0.99% for 6 months | $55 | 21.49% |
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 Citibank Emirates Platinum Card | 20.99% | 0.9% for 12 months | $229 | 21.24% |
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 Westpac Altitude Card | 19.99% | 3.99% for 6 months | $100 | 21.59% |
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 Westpac Altitude Gold Cards | 19.99% | 3.99% for 6 months | $150 | 21.59% |
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With the age of new technology, however, you no longer have to wait around to find out if your application has been approved or not. In most cases you can find out in approximately 1 minute whether you will receive a shiny new credit card in the mail.
There is no faster way to apply for a credit card than by going online and filling out an application.
You can receive instant approval on the Internet by filling out an application. It only takes about 15 minutes to complete the form in full and then submit it to find out whether you have been approved or not.
Instant approval credit cards
Technology allows the credit card companies to access information from the banks instantly so that online approval can be done right away. Most of the major banks in Australia and other financial institutions are now offering this instant approval for credit cards. If you know that you have pretty good credit the odds are good that you will be approved and receive a new card within days.
How this is possible
Credit card issuers have access to a credit bureau on the Internet banking system that gives them instant notification about the status of your credit. They can take a look at the FICO score you have that is a calculation done mathematically by a credit bureau to give a rating to your credit history.
How to apply
If you need access to some money quickly it can seem like forever to hear back about an application for a credit card if you do not fill out the form online. Indeed, applications using the Internet have gained in popularity since they give an instant answer and are so easy to use.
It's pretty straightforward and simple to fill out the online form. While banks use different criteria to approve an application, they all have pretty much the same requirements for filling it out.
You'll need to provide your address, name, employer, any previous addresses, creditors and your salary. If you have this information by your side while you are filling out the form it will only take you approximately 15 minutes to get it completed and then one minute to get your answer.
The benefits of instant approval
With technology being so far advanced many Australians have become accustomed to things getting done quickly. This is also true for instant approval credit cards.
There may be times when you have a crisis to handle and need access to money right away. In these cases the only way to get credit fast is by filling out an online application form for a card. This is a much faster method then by mailing in an application or applying for a personal loan through your bank.
It is also much easier to sit in the comfort of your own home, gather up your information and input the details on your computer. You won't have to travel across town and wait to see a banking officer about a loan. In this day and age is it is nice to have the convenience of getting something done fast without having to leave your home to do it.
Shopping for a card
If you're looking for a new credit card the best place to look is online. You should not necessarily just accept a credit card that is being offered by your bank since you may be paying a higher rate of interest than necessary and won’t be seeing any good deals being offered right now by credit card providers.
It is very easy to do credit card comparisons on the Internet. There are card sites that allow you to see side-by-side comparisons of different cards so that you can apply for the exact card you need. You'll also be able to see any special offers that are being advertised by card issuers.
In most cases the special deals available are only offered for a limited amount of time. If you don't hurry and make an application for that credit card you might miss out on a special offer that you know would work really well for you.
The nice thing about being on the Internet and shopping for a card is you can make an application immediately if you see a special offer that's going to expire soon. The Internet offers one-stop shopping for both comparing and applying for credit cards. It would only take one afternoon to look through the various card offers, pick a card, fill out an application and then find out immediately whether you have received instant approval for the credit card.
Security
Applying for a credit card is very safe and secure. When you type in your information it is encrypted, which means that it is set in a certain code that nobody else can read except for the credit card company that receives it. You'll be able to see for yourself that security is in place on the website by looking for an icon at the bottom of the webpage that looks like a lock. This is your sign that everything is a go and you can complete the form knowing that nobody else can get access to it except the recipient it is meant for.
Things to keep in mind
- Just because you are applying online does not mean that you do not have to have a good credit rating to be approved for a credit card. Your credit score will be analyzed during the application process and you will not be approved if your credit is not good.
- Don't apply for too many cards at the same time since this reflects badly on your credit history. Every time you make an application for credit it will show up on your credit report. If you have tried to apply for a couple of cards and have been turned down you should get a copy of your credit file and take a look through it. There may be information on your credit file that you have forgotten, errors that appear on it or you may have become the victim of identity theft and have things showing up on the report that simply should not be there.
- When you are applying online for a credit card you will still be entering into a legally binding contract with a credit card provider. Take your application and your approval for a credit card seriously and always respect your credit limits and how much you can borrow and pay back comfortably.
With all the advances in technology you can get instant approval credit cards on the Internet so that you can start making financial plans right away. You can still apply for credit cards by mail if you want, but you will have to wait weeks to find out an answer. If you're in a hurry for credit or don’t want to wait too long for answers, fill out an application form for instant approval cards and find out right away about your application status.
Editors Choice: Featured Credit Card Deals
| Interest Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Cash Advance Rate (p.a.) | ||
|---|---|---|---|---|---|
 Citibank Clear Platinum Card | 11.99% | 0% for 12 months with 3% handling fee | $99 | 21.74% |
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 HSBC Credit Card | 17.99% | 0% for 8 months with 2% handling fee | $0 | 21.99% |
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 ANZ Platinum Credit Card | 0% for 6 months (reverts to 19.39% ) | 0% for 6 months | $0 annual fee for the first year ($87 thereafter) | 20.99% |
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 Bankwest Breeze MasterCard | 0% for 6 months (reverts to 10.99% ) | 4.99% for 9 months | $49 | 21.99% |
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