How to get a credit card in Australia | 3 Steps To Get A Credit Card In Australia

How to get a credit card in Australia – If you’re 18 years old, have a decent credit history, and meet the card’s qualifying requirements, you can apply for a credit card in Australia. You may normally apply for a card online, over the phone, or at a branch, and the process should take no more than 10 to 20 minutes. Here’s everything you need to know to get a credit card in Australia.




What Is A Credit Card?

To get a credit card in Australia, you should know what is a credit card? Credit cards are popular because they are a convenient way to pay for almost everything. Unlike a debit card, which requires funds in your bank account to use, a credit card allows you to borrow money from a reputable lender. This money is repaid over a set length of time, usually with interest.

Get A Credit Card In Australia 1

On Mozo, you’ll find everything you need to compare credit cards. We evaluate over 200 credit cards from 60 different providers to help you find the best credit card deals available in Australia.

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How Should You Choose A Credit Card?

To begin to get a credit card in Australia, think about your spending habits and whether you’ll be able to pay off your credit card each month. Credit cards are divided into three categories:

  • Low fee: If you think you’ll be able to pay off your credit card amount in full each month, this option might be right for you (and can therefore avoid interest charges).
  • Low rate: If you don’t think you’ll be able to pay off your balance in full each month, this option may be right for you because it reduces the amount of interest you pay on purchases.
  • Rewards: If you think you’ll pay off your debt in full each month and want to earn rewards points and get free insurance, this might be the card for you. Keep in mind that rewards credit cards have higher interest rates and annual fees than non-rewards credit cards.

After you’ve settled on the type of card that best suits your spending and repayment patterns, you’ll want to compare features to get a credit card in Australia such as:

  • The rate of interest
  • The number of days in which you can avoid paying interest.
  • The yearly or monthly charge
  • Late payment costs and cash advance fees are examples of additional expenses.
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What Questions Should Be Noted Before You Get A Credit Card In Australia?

To get a credit card in Australia that works for you, ask yourself these three questions:

Get A Credit Card In Australia 2

1. Are you a student?

If you are a full-time student at a university or another accredited school, you may be eligible for a student credit card. Low credit limits and low or no annual fees are common on student credit cards, which can help you control account costs and lower the risk of major debt.

2. How much do you earn?




Banks and other credit card companies consider your income when determining whether or not you can manage a card. If you’re applying for your first credit card and don’t have many other accounts, the credit card company may give your income more weight when evaluating whether or not to approve your application. If you’re concerned about this, you could apply for a credit card that has a low minimum income criterion.

3. How much can you afford to pay for a credit card?

Annual fees and interest rates on credit cards can quickly mount up, especially if you’re not used to having one. Focus on cards with rates and fees that are affordable for your situation to prevent getting into major debt.

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What Are The Requirements To Get A Credit Card In Australia?

To get a credit card in Australia, you must typically:

  • Be at least 18 years old
  • Be an Australian citizen, permanent resident, or have a visa that qualifies you
  • Have a positive credit history
  • Fulfill any minimal income standards that have been set down

Before applying to get a credit card in Australia, it’s a good idea to check your credit score. With Canstar, you may check your credit score for free.

If you are under the age of 18, If you are 18 years old or older, you will be eligible to get a credit card in Australia. You might be able to become an additional cardholder on a parent’s or guardian’s credit card as an option. In most cases, you must be at least 16 years old.

You will receive your own credit card with your name on it as an additional cardholder. However, it will be linked to the original cardholder’s account, and they will be liable for any purchases done.

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What Do You Need To Provide To Get A Credit Card In Australia?

To get a credit card in Australia, it will require you to supply information in order to verify your identification and creditworthiness. In most cases, you’ll need to give the following information:

  • A number assigned to an Australian driver’s license (if you have one)
  • Paystubs and bank statements are examples of employment and income information.
  • Personal loans, other credit cards, and buy now pay later services are examples of existing liabilities.
  • Expenses such as rent, food, bills, transportation, daycare, and education should all be included.
  • Details about your personal property, such as automobiles or houses

Some of your information may already be on file if you are an existing customer.

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How To Get A Credit Card In Australia




An online credit card application form may normally be completed in 10 to 20 minutes, and you will receive an answer within 60 seconds of submitting it. Here’s a step-by-step method to get a credit card in Australia.

Get A Credit Card In Australia 3

1. Compare credit cards

This is a crucial step in determining which card is best for you. Consider the features, rates, and fees associated with various credit cards by first considering what you want a credit card for.

2. See if you meet the card’s eligibility requirements

Each credit card comes with its own set of conditions (also known as eligibility criteria). These facts can be found on the card’s review page as well as at the start of the online application. Some of the most common eligibility conditions are listed above.

3. Fill in the application

When applying to get a credit card in Australia online, this step normally takes 10 to 20 minutes. It also saves you time if you have all of the necessary information on hand. So, here’s a list of the information and documents you’ll need to apply to get a credit card in Australia:

  • Information about yourself: This information includes your full name, date of birth, citizenship status in Australia, contact phone number, email address, and residential address.
  • Identification: You must show a legitimate form of identification, such as your driver’s license, passport, or Medicare card information. You may be asked for certified copies of these papers after you submit your initial application.
  • Information about your job: You’ll be asked for information about your employment statuses, such as your occupation, your employer’s name, and contact information, and your pay. You can also be required to show recent pay stubs as proof of your earnings.
  • Other financial information: This covers any other sources of income, such as Centrelink, as well as any savings, stocks, or other assets. You must also estimate your monthly expenses, such as rent or mortgage payments, loan payments, bills, and groceries costs.
  • Card information: You’ll be asked about various card characteristics throughout the application, such as your credit limit and any balance transfers (if you’re transferring debt from another account). Keep in mind that these specifics and requests are still subject to the lending requirements and approval of the provider.

Following the submission of your online application, you may be asked to provide supporting paperwork. This could involve the following:

  • Copies of identity documents such as your driver’s license, passport, and birth certificate
  • Recent payslips
  • Recent bills or bank statements
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What Happens After You Apply To Get A Credit Card In Australia?

After you’ve finished filling out the various sections of the online credit card application form, double-check that all of the information is correct before submitting it to get a credit card in Australia.

Most credit card companies will respond within 60 seconds of your application. You could be accepted, conditionally accepted, or rejected. Before making a final judgment, the bank may request additional information.

Get A Credit Card In Australia 5

  • If you’ve been accepted, your new credit card should appear in the mail within a week or so.
  • If you aren’t approved, compare alternative possibilities and work on improving your credit score before applying for another loan.

Once you’ve applied, a credit inquiry will be recorded on your credit file in any case.

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Top Best address to get a credit card near me

1. Get a credit card in Queensland

Queensland Professional Credit Union Ltd

  • Address : 100 Eagle St, Brisbane City QLD 4000
  • Phone number  : +61732216444

QBANK




  • Address : level 1/231 N Quay, Brisbane City QLD 4000
  • Website :  http://www.qbank.com.au/
  • Phone number  : 13 77 28

Queensland Country Bank

  • Address : 76 Eighth Ave, Home Hill QLD 4806
  • Website :  https://www.queenslandcountry.bank/
  • Phone number  : +61747822211

Great Southern Bank (formerly CUA)

  • Address : Stockland Rockhampton, 120-331 Yaamba Rd, Park Avenue QLD 4701
  • Website :  http://www.greatsouthernbank.com.au/
  • Phone number  : +61749365000

Suncorp Bank

  • Address : 120-331 Yaamba Rd, Yaroomba QLD 4701
  • Website :  https://www.suncorp.com.au/banking
  • Phone number  : 13 11 55

HSBC Bank Australia

  • Address : 300 Queen St, Brisbane City QLD 4000
  • Website :  http://www.hsbc.com.au/
  • Phone number  : 1300 308 008

2. Get a credit card in Victoria

ANZ Branch Williamstown

  • Address : Tenancy 1 &, Douglas Parade, Williamstown VIC 3016
  • Phone number  : 13 13 14

Westpac Branch Abbotsford

  • Address : 263 Victoria St, Abbotsford VIC 3067
  • Website :  https://www.westpac.com.au/ 
  • Phone number  : +61384123111

Bendigo Bank

  • Address : 49 Fraser St, Clunes VIC 3370
  • Website :  https://www.bendigobank.com.au/public/locate-us/branch-details?id=184
  • Phone number  : +61353453223

Great Southern Bank (formerly CUA)




  • Address : Dandenong Plaza, level 3/25 McCrae St, Dandenong VIC 3175
  • Website : http://www.greatsouthernbank.com.au/
  • Phone number  : +61387886900

BankVic

  • Address : Ground Level, Royal Childrens Hospital, 50 Flemington Rd, Parkville VIC 3052
  • Website :  https://www.bankvic.com.au/
  • Phone number  : 13 63 73

Bank First

  • Address : 117 Camberwell Rd, Hawthorn East VIC 3123
  • Website :  https://www.bankfirst.com.au/
  • Phone number  : 1300 654 822

Bendigo Bank

  • Address : 46-48 Victoria St, Kerang VIC 3579
  • Website :  https://www.bendigobank.com.au/branch/vic/bendigo-bank-kerang/
  • Phone number  : +61354522833

Bank Australia

  • Address : 50 Moore St, Moe VIC 3825
  • Website :  http://www.bankaust.com.au/
  • Phone number  : 13 28 88

Westpac Branch Hamilton

  • Address :  96 Gray St, Hamilton VIC 3300
  • Website :  https://www.westpac.com.au/ 
  • Phone number  : +61355511177

HSBC Bank

  • Address : 271 Collins St, Melbourne VIC 3000
  • Website :  http://www.hsbc.com.au/
  • Phone number  : 1300 308 008

3. Get a credit card in New South Wales

Bank Australia

  • Address : 222 High St, Kew VIC 3101
  • Website :  http://www.bankaust.com.au/
  • Phone number  : 13 28 88

Creditcard.com.au




  • Address : 2/22 Bridge Rd, Sydney NSW 2037
  • Website :  http://www.creditcard.com.au/
  • Phone number  : +61416678659

Community First Credit Union – Bankstown

  • Address : 1 Meredith St, Bankstown NSW 2200
  • Website :  https://www.communityfirst.com.au/locations/bankstown
  • Phone number  : +61297351783

South West Slopes Credit Union

  • Address : 89 Boorowa St, Young NSW 2594
  • Website :  http://www.swscu.com.au/
  • Phone number  : +61263841111

Orange Credit Union

  • Address : 288 Summer St, Orange NSW 2800
  • Website :  http://www.orangecu.com.au/
  • Phone number  : +61263624466

Community First Credit Union Limited

  • Address : 67-73 St Hilliers Rd, Auburn NSW 2144
  • Website :  https://www.communityfirst.com.au/
  • Phone number  : 1300 132 277

Audit Office of New South Wales

  • Address : Level 19, Tower 2 Darling Park, 201 Sussex St, Sydney NSW 2000
  • Website :  http://www.audit.nsw.gov.au/
  • Phone number  : +61292757100

Community First Credit Union -Narellan

  • Address : t309/326 Camden Valley Way, Narellan NSW 2567
  • Website :  https://www.communityfirst.com.au/locations/narellan
  • Phone number  : +61297351784

Greater Bank

  • Address : 161 Howick St, Bathurst NSW 2795
  • Website :  https://www.greater.com.au/contact-us/our-branch-network/greater-bank-bathurst-branch 
  • Phone number  :  13 13 86

Bank of Queensland

  • Address : Charlestown Square, 116/30 Pearson St, Charlestown NSW 2290
  • Website :  http://www.boq.com.au/
  • Phone number  : 1300 557 272

4. Get a credit card in Tasmania

MyState Bank

  • Address : 144 Collins St, Hobart TAS 7000
  • Website :  https://www.mystate.com.au/
  • Phone number  : 13 80 01

BOQ Hobart

  • Address : 46 Murray St, Hobart TAS 7000
  • Website :  http://www.boq.com.au/
  • Phone number  : +61362140700

Bank of us

  • Address : 87 Brisbane St, Launceston TAS 7250
  • Website :  http://www.bankofus.com.au/
  • Phone number  : 1300 306 716

Bendigo Bank

  • Address : Sorell Shopping Plaza, T7/12 Cole St, Sorell TAS 7172
  • Website :  https://www.bendigobank.com.au/branch/tas/community-bank-sorell-district/
  • Phone number  : +61362692889

Westpac Branch Hobart Office

  • Address : Wellington Centre, 15/60 Liverpool St, Hobart TAS 7000
  • Website :  https://www.westpac.com.au/
  • Phone number  : +61362213000

Commonwealth Bank Hobart Branch

  • Address : Shop 2/109 Liverpool St, Hobart TAS 7000
  • Website :  https://www.commbank.com.au/personal/locate-us/tas/hobart/067000.html
  • Phone number  : +61361080934

Westpac Branch Launceston

  • Address : 75 Brisbane St, Launceston TAS 7250
  • Website :  https://www.westpac.com.au/
  • Phone number  : +61363237333

Westpac Branch Glenorchy

  • Address : Northgate Centre, Shop 61/397 Main Rd, Glenorchy TAS 7010
  • Website : https://www.westpac.com.au/ 
  • Phone number  : +61362083666

Westpac Branch Rosny

  • Address :2 Bayfield St, Rosny TAS 7018
  • Website : https://www.westpac.com.au/
  • Phone number  : +61362822588

5. Get a credit card in South Australia

Westpac Branch Rosny

  • Address : 2 Bayfield St, Rosny TAS 7018
  • Website : https://www.westpac.com.au/
  • Phone number  : +61362822588

BankSA Branch Kadina

  • Address : 21 Frances Terrace, Kadina SA 5554
  • Website :  https://www.banksa.com.au/ 
  • Phone number  : 13 13 76

BankSA Branch Burnside

  • Address : BURNSIDE VILLAGE, G111B/447 Portrush Rd, Glenside SA 5065
  • Website :  https://www.banksa.com.au/ 
  • Phone number  : 13 13 76

Bendigo Bank

  • Address : 197 Main S Rd, Morphett Vale SA 5162
  • Website :  https://www.bendigobank.com.au/branch/sa/bendigo-bank-morphett-vale/
  • Phone number  : +61882252250

6. Get a credit card in Western Australia

WA Seniors Card

  • Address : level 2/140 William St, Perth WA 6000
  • Website :  http://seniorscard.wa.gov.au/
  • Phone number  : 1800 671 233
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Bendigo Bank

  • Address : 225 St Georges Terrace, Perth WA 6000
  • Website :  https://www.bendigobank.com.au/branch/wa/bendigo-bank-perth/
  • Phone number  : +61892135100

Bankwest

  • Address : 243/253 Walter Rd W, Morley WA 6062
  • Website :  http://www.bankwest.com.au/
  • Phone number  : 13 17 19

HSBC Bank Australia

  • Address : 188/190 St Georges Terrace, Perth WA 6000
  • Website :  http://www.hsbc.com.au/
  • Phone number  : 1300 308 008

BOQ Fremantle

  • Address : 9b Queen St, Fremantle WA 6160
  • Website :  http://www.boq.com.au/
  • Phone number  : +61892394300

Westpac Branch University Campus

  • Address : 35 Stirling Highway G.02/35 Stirling Highway University of Western Australia Guild Village Shop G.02, Crawley WA 6009
  • Website :  https://www.westpac.com.au/
  • Phone number  : +61892848899

Companion Card WA

  • Address : 12 Lindsay St, Perth WA 6000
  • Website :  http://www.wacompanioncard.org.au/contact-us
  • Phone number  : 1800 617 337

7. Get a credit card in Sydney

Sydney Mutual Bank

  • Address : Shop SP364, Bankstown Central Shopping Centre, North Terrace, Bankstown NSW 2200
  • Website :  http://www.sydneymutual.bank/
  • Phone number  : +61292871069

Sydney Mutual Bank

  • Address : 171 Clarence St, Sydney NSW 2000
  • Website :  http://www.sydneymutual.bank/
  • Phone number  : +61292871005

MoneyMe Financial Group Pty Ltd

  • Address : 3/131 Macquarie St, Sydney NSW 2000
  • Website : https://www.moneyme.com.au/loans/cash/sydney 
  • Phone number  : 1300 669 059

Creditcard.com.au/

  • Address : 2/22 Bridge Rd, Sydney NSW 2037
  • Website : http://www.creditcard.com.au/
  • Phone number  : +61416678659

Get Credit Score

  • Address : level 15/100 Arthur St, North Sydney NSW 2060
  • Website :  https://www.getcreditscore.com.au/

Bank of Sydney Head Office and Sydney CBD Branch

  • Address : 62 Pitt St, Sydney NSW 2000
  • Website :  https://www.banksyd.com.au/
  • Phone number  : +61282629191

BOQ North Sydney

  • Address : Shop 5/60-80 Walker St, North Sydney NSW 2060
  • Website :  http://www.boq.com.au/
  • Phone number  : +61292422733

Get Out of Debt Today

  • Address : 11/5 Hunter St, Sydney NSW 2000
  • Website :  https://getoutofdebttoday.com.au/
  • Phone number  : +61290117919

Gateway Bank

  • Address :  level 10/68 York St, Sydney NSW 2000
  • Website :  http://www.gatewaybank.com.au/
  • Phone number  : 1300 302 474

BOQ 10 Spring Street

  • Address : 1/10 Spring St, Sydney NSW 2000
  • Website :  http://www.boq.com.au/
  • Phone number  : +61293297280

8. Get a credit card in Melbourne

Police Bank – Melbourne

  • Address : 1010 La Trobe St, Docklands VIC 3008
  • Website :  https://www.policebank.com.au/contact/#servicecentreheading
  • Phone number  : +61396421003

HSBC Bank Australia

  • Address : Shop G16, 17/265 Clarendon St, South Melbourne VIC 3205
  • Website :  http://www.hsbc.com.au/
  • Phone number  : 1300 308 008

Great Southern Bank (formerly CUA)

  • Address : 99 William St, Melbourne VIC 3000
  • Website :  http://www.greatsouthernbank.com.au/
  • Phone number  : +61392359810

Westpac Branch Port Melbourne

  • Address : 156 Bay St, Port Melbourne VIC 3207
  • Website :  https://www.westpac.com.au/ 
  • Phone number  : +61385328066

Commonwealth Bank North Melbourne Branch

  • Address : 51-53 Errol St, North Melbourne VIC 3051
  • Website :  https://www.commbank.com.au/personal/locate-us/vic/north-melbourne/063158.html
  • Phone number  : +61393299300

Commonwealth Bank Melbourne Head Office

  • Address : 357 Collins St, Melbourne VIC 3000
  • Website :  https://www.commbank.com.au/
  • Phone number  : 13 22 21

Westpac Branch 448 St Kilda Road

  • Address : 448 St Kilda Rd, Melbourne VIC 3004
  • Website :  https://www.westpac.com.au/ 
  • Phone number  : +61388669988

Bendigo Bank 292 Collins Street

  • Address : 290/292 Collins St, Melbourne VIC 3000
  • Website :  https://www.bendigobank.com.au/branch/vic/bendigo-bank-292-collins-street/

NAB Branch – 330 Collins St

  • Address : 330 Collins St, Melbourne VIC 3000
  • Website :  https://www.nab.com.au/locations
  • Phone number  : 13 22 65

Pin Payments

  • Address : Level 4/356 Collins St, Melbourne VIC 3000
  • Website :  https://pinpayments.com/
  • Phone number  : 1300 364 800

Westpac Branch South Melbourne

  • Address : 301 Clarendon St, South Melbourne VIC 3205
  • Website :  https://www.westpac.com.au/ 
  • Phone number  : +61386991422

9. Get a credit card in Adelaide

Credit Union SA

  • Address : 400 King William St, Adelaide SA 5000
  • Website :  http://www.creditunionsa.com.au/
  • Phone number  : +61882027777

Australian Credit Management Pty Ltd

  • Address : Adelaide SA 5001
  • Phone number  :  Adelaide SA 5001

Bank Australia

  • Address : 102 Gawler Pl, Adelaide SA 5000
  • Website :  http://www.bankaust.com.au/
  • Phone number  : 13 28 88

Beyond Bank

  • Address : 100 Waymouth St, Adelaide SA 5000
  • Website :  https://www.beyondbank.com.au/locate-us/waymouth 
  • Phone number  : +61882058604

Commonwealth Bank King William St Adelaide Branch

  • Address : 96 King William St, Adelaide SA 5000
  • Website :  https://www.commbank.com.au/personal/locate-us/sa/adelaide/065000.html
  • Phone number  : +61881183948

Commonwealth Bank Gouger St Adelaide Branch

  • Address : 86-88 Gouger St, Adelaide SA 5000
  • Website :  https://www.commbank.com.au/personal/locate-us/sa/adelaide/065005.html
  • Phone number  : +61882314341

HSBC Bank Australia

  • Address : Ground Floor, 55 Grenfell St, Adelaide SA 5000
  • Website :  http://www.hsbc.com.au/
  • Phone number  : 1300 308 008

BOQ Adelaide

  • Address : Shop T2/25 Grenfell St, Adelaide SA 5000
  • Website :  http://www.boq.com.au/
  • Phone number  : +61884032111

Westpac Branch Central Market

  • Address : 64 Gouger St, Adelaide SA 5000
  • Website :  https://www.westpac.com.au/ 
  • Phone number  : +61882021088

Westpac Branch Port Adelaide

  • Address : 171 Commercial Rd, Port Adelaide SA 5015
  • Website :  https://www.westpac.com.au/ 
  • Phone number  : +61882009133

Commonwealth Bank Port Adelaide Branch

  • Address : 83 Dale St, Port Adelaide SA 5015
  • Website :  https://www.commbank.com.au/personal/locate-us/sa/port-adelaide/065118.html
  • Phone number  : +61884472166

NAB Branch – Adelaide Markets

  • Address :  17 Gouger St, Adelaide SA 5000
  • Website :  https://www.nab.com.au/
  • Phone number  : 13 22 65

Fire Service Credit Union

  • Address : 22 Chancery Ln, Adelaide SA 5000
  • Website :  http://www.fscu.com.au/
  • Phone number  : +61882272222
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