INSTANT RESPONSE CREDIT CARDS

Credit card applications with an instant response. If you have a good credit history and don't want to wait weeks to receive a new credit card, then check out our picks of featured* instant response credit cards available in Australia. An online credit card application need not take hours out of your day. Some great examples of a quick application process are Aussie credit cards, St George Master Card and HSBC Low Rate Visa card.


  Virgin No Annual Fee Card
  • No Annual Fee. Ever.
  • A low 2.9% balance transfer rate for the first 6 months.
  • Great low purchase rate of 16.95% p.a.
  • Access to all the great Virgin family offers.
  • Enjoy up to 44 Interest free days.
  • Choose from 1 of 6 different colours.
  • Minimum $20,000 annual income to appy.
  • Full terms and conditions.
Apply for a virgin Credit Card

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
16.95%p.a. 2.9%p.a. 6 months Visa $0 for life up to 44 days

  HSBC Credit Card
  • $0 Annual Fee for the life of the Card*
  • 0%p.a. balance transfer for 6 months*
  • $50 cash back#
  • Low interest rate of just 16.99% p.a.~ on purchases
  • Interest rate of 20.75% p.a.~ on cash advances
  • Up to 55 days interest-free period^
  • Access to discounts and benefits worldwide with HSBC's home&Away Privilege Program
  • Winner of the Money magazine 2010 "Best Transaction Credit Card" Award
  • Full terms and conditions.
Apply for a Citibank Clear Visa

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
16.99%p.a. 0%p.a 6 months Visa $0 for Life up to 55 days

  Aussie Mastercard
  • Choose - 2.99% p.a on balance transfers and purchases for the 1st 6 months or 3.99% on balance transfers for 12 months.
  • Reverts to a low rate on purchases, now just 12.99% p.a.
  • Up to 55 days interest-free credit on purchases.
  • Low annual account fee of $49.
  • 24/7 online account access or over the phone.
  • Shop safely online at participating merchants with MasterCard Securecode.
  • Full terms and conditions.
Apply for an Aussie mastercard

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
12.99%p.a. You Choose Mastercard $49 up to 55 days

  St George Vertigo Mastercard
  • 12.49%p.a on purchases
  • Excellent credit needed for approval.
  • 2.99% p.a. balance transfer rate for up to 6 months.
  • Awarded Cheapest Balance Transfer by Money Magazine.
  • Up to 55 interest free days on purchases.
  • A Low $55 annual fee.
  • An additional card for a friend or family member.
  • Discounts with St.George Instant Benefits.
  • Full terms and conditions.
Apply for a St George Credit Card

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
12.49%p.a. 2.99%p.a. 6 months Mastercard $55 up to 55 days