Credit cards for new employees: how to apply

You've just started a new job and you want to get a credit card? You may need to provide extra information about your past employment, as well as your current employment and income. Here's a look at what you'll usually be asked for if you're a new employee.

Can you get a credit card with a new job?

It's possible, but depends on the strength of your overall application. You'll need to provide details of your income and employment, to help the lender determine whether you have the ability to repay the card. They'll ask for:

• Your current job title. If this is similar to your previous job title - or at least in the same industry - that helps demonstrate job stability to the lender.
• Length of employment. If you only started at your current workplace in the last 2-3 months, you'll be asked about your other recent work history. Again, the lender wants to see that your employment history is stable and you can therefore take on the financial responsibility of a credit card debt.
• Employer's contact details. To verify that what you're telling them is ture.
• Income. All credit card applications ask for details of your current income, and they'll use this information (as well as any existing debts and your regular expenses) to assess your ability to repay and determine your approved credit limit. They'll want to verify this with payslips.

Finder survey: What type of credit card would people consider applying for in the future?

How can I get payslips from a previous employer?

If you don't have your old payslips, contact your previous employer and let them know you want copies of your payslips, then give them your current email address or postal address so that they can send them to you.

Under the Fair Work Act 2009 and Fair Work Regulations 2009, Australian employers legally have to keep employee records for 7 years, including payslips. While these records are private and confidential, you have a right to request your employee records from any current or previous employer. If you're having issues with your previous employer, contact the Fair Work Ombudsman on 13 13 94. You could also contact your union, if you have membership to one.

Tips for applying for a credit card as a new employee

• Include as much information as possible. The details and supporting documents you include in your credit card application can help improve your chances of approval.
• Share other forms of income and assets. If relevant, include other forms of income. For example, earnings from a second job, freelance work, savings or other assets and investments. This information will give the lender a more comprehensive understanding of your finances.
• Compare cards before you apply. You should only apply for one credit card at a time, as several applications in a short time period can hurt your credit score. This is why it's important to compare your options, check that you meet the eligibility requirements and carefully review the fees, rates and features before you apply.
• Check your credit score. You can check your credit score for free in the Finder app, and see if there are any defaults, issues or mistakes that could impact your changes of being approved.
• Consider a no-frills credit card. While rewards credit cards and premium cards require higher incomes, no-frills or low-income credit cards have lower income requirements that may be more suitable.
• Request a low credit limit. You might have a better chance of approval for a lower credit limit than a high one, because lenders need to look at your ability to repay the credit limit, with interest, over a 3-year period. A lower limit is more manageable.

"I check my credit score for free in the Finder app each month. When I was refinancing, there was a short period where I had two big home loans open during the crossover, and my credit score fell drastically. This would have been a terrible time to apply for a credit card! I waited for it to recover before applying. Having access to this data is so handy so you can make informed decisions."

Sarah Megginson

Personal finance expert + media spokesperson

Other eligibility criteria that you'll need to meet

Just as you would if you'd been employed for a while, there are requirements you'll need to meet before you receive approval for a credit card. While the criteria will vary from card to card, the application eligibility requirements generally include:

• Age. You must typically be at least 18 years of age or older to apply.
• Australian residency status. You usually need to be an Australian citizen or permanent resident to apply for a credit card. But in some cases, certain visa holders may also apply.
• Credit history. Credit card issuers use your credit history as a way to assess your application for risk. Your credit score will determine if you're a low-risk or high-risk borrower, with the latter less likely to be approved for a credit card. You can request a free copy of your credit report and score through Finder.
• Income. Some credit cards list a minimum income requirement, and others state that you must have regular income.

Frequently asked questions

• Can I get a credit card if I just started working?

  You may be able to get a credit card if you just started working. Lenders will look at your income, employment stability and credit history. Some providers may require a minimum period of employment, while others may accept applications from new employees, particularly for entry-level cards. It depends on the strength of your overall application, rather than just one factor.

• Can I get a credit card as a casual employee?

  Yes, you can get a credit card on a casual wage if you meet the lender's minimum income requirements. Lenders may consider your overall income, including casual wages, but they might require more proof of consistent earnings compared to full-time employment.

• Can I get a credit card without income proof?

  Most lenders require proof of income to assess your ability to repay the credit card balance. Some cards for students or low-income earners may have more flexible requirements, such as using Centrelink payments or other forms of income as proof. However generally, you need to provide evidence of some sort of income to support your application.

• What is the minimum salary required to get a credit card?

  It depends on the lender's criteria and your expenses and debts. The lender wants to verify that you can afford your living costs and the minimum repayment on your card, so they will take into account your other debts and living expenses when assessing your application.

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 543 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
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