Credit Card Compare

Instant approval credit cards

Need a credit card approved now? Compare instant approval credit cards that usually give a decision quickly. Check offers and eligibility, then apply for the card that suits you.

  • Online decisions, often in minutes
  • Use the card via digital wallets straight away
  • Options with no annual fee for life

Written by Nilooka DissanayakeReviewed by Vidhu Bajaj and David Boyd

Featured
Bankwest Qantas World Mastercard card
Bankwest Qantas World Mastercard
1 review
  • 100,000 bonus Qantas Points
  • No foreign transaction fee
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How much does it cost to carry a balance?

Enter your typical monthly carry balance to see the estimated interest cost for each card below.

$
Compare 97 instant approval credit cards

Instant approval by the numbers

97
Cards compared
59
Cards earning rewards
$177
Average annual fee
$0
Lowest annual fee

How instant approval works

Instant approval cards suit people who need a quick decision. Most use automated checks to respond within 60 seconds of an online application.

Approval can be instant, but the physical card still takes a few days. Some providers let you start spending straight away through Apple Pay or Google Pay.

What to compare

Check the purchase rate, which ranges from around 12.99% p.a. on low-rate cards to over 23.99% p.a. on premium rewards cards.

Annual fees matter too. Some cards charge $0, while high-end travel cards can charge $450 or more in return for perks like lounge access and travel credits.

Instant approval credit card FAQs

No. Instant approval is a fast preliminary decision. The provider still verifies your identity, income and credit history before the final approval.

Questions and answers

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Related card types

Credit cards for first timers and beginnersEasy approval credit cardsFree additional credit cardholdersJoint account credit cardsLow income credit cardsNo annual fee credit cards

Sources

Credit Card Compare
Australian credit card statistics