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⚠ Been rejected for a credit card? 1 in 4 Australian applications get declined. But specific banks still approve people with thin credit files, bad history, or no local record. These are the cards that say yes.
See which cards approve almost anyone:
New to Australia? Start here:
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📋 On this page:
Best No Annual Fee Cards
If you don’t spend enough to justify a fee — or want a card to keep open without cost — a genuine $0 card protects your credit history for nothing. Bankwest Zero, NAB Low Fee and Coles lead this category.
Best Cashback Cards
Cashback cards return a percentage of what you spend directly to your account — no points, no redemptions. Coles, Woolworths and ANZ offer 1–3% on everyday spending.
Best Frequent Flyer Cards
The right card depends on whether you fly Qantas or Virgin. Amex leads for Qantas points; Westpac for Velocity. See the full frequent flyer comparison.
Cards to Rebuild Your Credit Score
A damaged or thin credit file limits options — but doesn’t close them. Low-rate and secured cards used correctly accelerate the rebuild. ANZ Low Rate and Bankwest Breeze are the strongest starting points.
Highest Sign-Up Bonus Offers
Sign-up bonuses can deliver tens of thousands of points in the first few months — worth hundreds in flights. ANZ Rewards Black (180k pts) and Amex Qantas Ultimate (100k pts) lead right now.
Best 0% Balance Transfer Cards
Transferring a high-interest balance to a 0% card saves significant money if you clear it before the revert date. Westpac offers 32 months at 0% — the longest in the market.
Best Cards for Newcomers and Students
New to Australia or applying for your first card? Most premium cards require established history. NAB Classic and CommBank Low Fee have the most accessible approval criteria.
What is the best credit card in Australia right now? ▼
It depends on your spending. For no fees, Bankwest Zero. For points, Amex Qantas Ultimate. For cashback, Coles Mastercard. The full directory compares them all.
Does applying for a credit card affect my credit score? ▼
Yes — each application creates a hard enquiry on your credit file. Research cards thoroughly before applying to avoid unnecessary hits.
How long does credit card approval take? ▼
Most major banks provide conditional approval within minutes online. Full approval with card delivery typically takes 5–10 business days.
What income do I need for a credit card in Australia? ▼
Basic cards require $15,000–$25,000 annual income. Premium cards typically need $50,000+. See the newcomers guide for the most accessible options.
Can I have more than one credit card? ▼
Yes. Many Australians hold two or more — one for everyday spending, one for travel. The full ranking helps identify the best combination.
This article is for informational purposes only and does not constitute financial or legal advice. Credit card terms, rates and offers change frequently. Always verify current conditions directly with the issuing bank before applying.
