How to check your credit card application status

When you submit a credit card application online, you'll usually get a response in around 60 seconds. But getting the card approved could take hours or even days.

If you want to check on your credit card application, we've listed the contact numbers for the major card providers below.

You can also check via email or app, depending on the company. After you applied you should have received an application number or ID, which you can use to check the status of your application.

How can I check my credit card application status?

Every credit card provider in Australia has a slightly different application process, so waiting times will vary. But if you haven’t received a response to your application and want to know more, call and check.

Credit card provider	Contact number
	1300 557 743 Monday–Friday, 8am–6:30pm (Sydney time)
	13 33 33 Mon-Fri: 8am-8pm
	13 22 66 24 hours, 7 days a week
	13 24 84 24 hours, 7 days a week
	1300 306 397 24 hours a day, 7 days a week
	13 22 21 Mon-Fri: 8am-7pm Sat: 9am-2pm
	132 152 24 hours a day, 7 days a week
	133 462 Mon-Fri: 8am-8pm Sat: 9am-4pm
	Latitude 28° Global Platinum Mastercard: 1300 552 079 Gem Visa: 1300 630 977 GO Mastercard: 1300 462 273 Latitude Mastercard: 1300 882 289
	13 22 65 Mon-Fri: 8am–7pm Sat-Sun: 9am–6pm
	13 11 82 Mon-Fri: 8am-8pm Sat: 8:30am-4:30pm
	13 33 30 24 hours, 7 days a week
	1300 335 213 Mon-Fri: 8am-8pm Sat: 8:30am-5:30pm
	132 032 Mon-Sun: 8am-8pm

Applied for a credit card with a provider that's not in this list? You should be able to check the status of your application with one of the following options:

• Check your email (inbox and spam) to see if you've been sent confirmation of the application
• Call the customer service team
• Visit a branch

Why is my credit card application taking so long?

Most credit card companies offer a response within 60 seconds when you apply online. But if the credit card provider needs more information or doesn't offer "instant approval", it could take a few business days to find out if you're approved.

Here are some of the most common reasons for a delay:

1. Not enough information. If you haven't given enough details on your application, or if the information is incorrect, the provider may need to contact you to get the right information.
2. Credit issues. If you have black marks on your credit report, the provider may want to look at them in more detail before completing its assessment of your application. Get your free credit score here and ensure your financial history is in good standing before you apply.
3. High demand. Sometimes a provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a competitive introductory credit card offer available.
4. Incomplete applications. If you have missed a step in the application process this will hold up the application until you have provided all the information that the bank requires. Before you submit your application, it's important to review your application and ensure you've completed the relevant sections and provided all of the necessary information.

Can I speed up the application process?

Once you've applied for a credit card you can't really speed the process up.

If you apply for a card with your current bank the process is usually faster. The bank already has a good overview of your financial position.

Another way to speed up your application is to make sure your credit score is in good shape and apply for a card you are definitely eligible for. Check the card's minimum income requirement before applying.

"I got rejected when I applied for a credit card recently. I have an Excellent credit score and I met the card's minimum income requirement. The problem was that I spend too much. We spend most of my salary and save my wife's. I contacted the card company by phone but they didn't give me any real explanation. Then I applied again in my wife's name with me as the joint cardholder. We were approved in an hour."

Richard Whitten

Editor

Finder survey: How many times have people been declined for a credit card?

How to improve your chances of getting a credit card approved

• Avoid applying for multiple cards. This can hurt your credit score and increase your chances of rejection.
• Check your credit score. You can check your credit score for free. This helps you identify any issues you may have, such as unpaid debts or mistakes on your credit report. If you find a genuine error on the report, contact the credit reporting body to correct the error.
• Check your eligibility. Make sure you meet the eligibility requirements, such as the minimum income requirement, before you apply.
• Make a joint application. Applying with a partner can help boost your chance of approval.

Compare Credit Cards with 60 second approval

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Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
St.George Vertigo Card	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0.99% for 28 months with 0% balance transfer fee, then 21.99%	Annual fee $55	Go to siteMore Info Compare	Get a 0.99% p.a. interest rate on balance transfers for 28 months (with no balance transfer fee).
Qantas Premier Platinum Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 21.99%	Annual fee $349 first year ($399 after)	Go to siteMore Info Compare	Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Finder Award Velocity Frequent Flyer	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 0.66	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 0% balance transfer fee, then 20.99%	Annual fee $0 first year ($149 after)	Go to siteMore Info Compare	Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.
NAB Low Rate Credit Card	Purchase rate p.a. 13.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 28 months with 2% balance transfer fee, then 21.74%	Annual fee $0 first year ($59 after)	Go to siteMore Info Compare	Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
Westpac Low Rate Card	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 26 months with 2% balance transfer fee, then 21.99%	Annual fee $59	Go to siteMore Info Compare	Save with a 0% p.a. interest rate on balance transfers for 26 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
ANZ Low Rate - Credit Back Offer	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $58	Go to siteMore Info Compare	Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
Westpac Low Rate Card - Cashback Offer	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $59	Go to siteMore Info Compare	A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Westpac Lite Card	Purchase rate p.a. 9.9%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $108	Go to siteMore Info Compare	Save with 0% foreign transaction fees, a low interest rate for purchases and cashback offers through Westpac Extras.
American Express Explorer Credit Card Membership Rewards	Purchase rate p.a. 23.99%	Bonus points 100,000	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $395	Go to siteMore Info Compare	Get 100,000 bonus Membership Rewards Points when you apply through the link and spend $4,000 on eligible purchases in the first 3 months.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 50,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $450	Go to siteMore Info Compare	Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months.

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To make sure you get accurate and helpful information, this guide has been edited by Keith Kilcourse as part of our fact-checking process.

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 584 Finder guides across topics including:

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