Easy Approval Credit Cards

Compare easy approval credit cards with low ($500-$2k) minimum credit limits and simple eligibility requirements, and receive a response within 60 seconds. You still need to meet the approval criteria.

Nilooka Dissanayake avatar
Written by   |  
Vidhu Bajaj avatar
Edited by   |  
David Boyd avatar
Verified by
Updated 28 Sep 2025   |   Rates updated regularly

Comparing of 10 easy approval credit cards

FeaturedApply by 12 January 2026
Latitude Low Rate Mastercard (0% Purchase Offer)

On Latitude Financial Services' website

Balance transfer

12 months at 6.99% p.a.

Purchase rate

9 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$69.00 p.a. ongoing

Details

  • Limited-time offer: Get 0% interest on general purchases for the first 9 months when you apply as a new customer by 12 January 2026. After that, a low ongoing rate of 13.99% applies
  • Earn 3% in Latitude Rewards on recurring payments with participating utilities, telco, and streaming services.
  • Add an additional cardholder at no extra cost.
  • Excludes any other offers.

Pros & cons

Pros
  • Earn Latitude Rewards when you shop in the merchant offers portal.
  • The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
  • Track and manage your card using the Latitude App.
  • Start using your card instantly with Apple Pay - no need to wait for the physical card to arrive.
Cons
  • Cash advances attract a high interest rate of 29.99% p.a.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.
Featured
Bankwest Breeze Mastercard

On Bankwest's website

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$49.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • An annual fee of $49 p.a., making it an affordable option.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Up to 55 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • The 3% BT fee.
  • There is a 2.95% foreign transaction fee.
ING Orange One Low Rate Credit Card

On ING's website

Balance transfer

N/A

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 45 days on purchases

Annual fee

$48.00 p.a. ongoing

Details

  • Get a low 12.99% p.a. variable rate on purchases.
  • A $48 annual fee helps keep ongoing costs low.
  • Avoid ING international transaction fees by depositing at least $1,000 a month into your ING accounts (excluding Living Super and Orange One) and making 5+ settled card purchases.

Pros & cons

Pros
  • Competitively low interest rate of 12.99% p.a. on purchases and cash advances.
  • Variable 9.99% p.a. on instalments.
  • Add a cardholder for $10 p.a.
  • Compatible with Apple Pay and Google Pay.
Cons
  • Additional cardholder comes at a cost.
  • Maximum credit limit of $5,999.
Bankwest Breeze Platinum Mastercard

On Bankwest's website

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$59.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • No foreign transaction fees.
  • Plus, complimentary overseas travel insurance for you and your family.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Low annual fee of $59 p.a.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 55 interest-free days on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • There is a 3% BT fee.
  • Cash advance rate is 21.99% p.a.
Apply by 12 January 2026
Latitude Low Rate Mastercard (1st Year No Annual Fee Offer)

On Latitude Financial Services' website

Balance transfer

12 months at 6.99% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • Limited time offer: Pay no annual card fee in the first year and save $69 when you apply and get approved by 12 January 2026 and make an eligible purchase within 90 days. T & C's apply.
  • Get 3% back in Latitude Rewards on recurring bill payments with participating utility, telco, and streaming services.
  • Add an additional cardholder at no extra cost.
  • Excludes any other offers.

Pros & cons

Pros
  • $0 annual card fee in the first year, when you make a purchase in the first 90 days, followed by a low ongoing fee of $69 per year
  • The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change). Any remaining balance at the end of the interest-free period will attract interest at the purchase rate (currently 13.99% p.a., subject to change).
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get Latitude Rewards when you shop in the merchant offers portal.
  • Track and manage your card using the Latitude App.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.
Apply by 17 November 2025
Latitude 28° Global Platinum Mastercard

On Latitude Financial Services' website

Balance transfer

12 months at 6.99% p.a.

Purchase rate

27.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 17 November 2025. Get a bonus $100 in Latitude Rewards when you spend $1,000 each month for the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
  • Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
  • There are no foreign transaction fees for purchases during travel or online shopping.
  • Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.


*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 17 November 2025. Minimum spend applies.

Pros & cons

Pros
  • Earn up to $340 in Latitude Rewards. New customers only.
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
  • The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
  • Save up to 10% on hotels on your next holiday when booking with Expedia, or Wotif.
  • The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
  • Comes with Purchase Protection and E-commerce insurance.
  • Add an additional cardholder at no extra cost.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
  • A high purchase interest rate of 27.99% p.a.
  • The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.
ING Orange One Rewards Platinum Credit Card

On ING's website

Balance transfer

N/A

Purchase rate

16.99% p.a. ongoing

Interest-free days

Up to 45 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • Receive up to $30 cashback on your monthly spend (up to $360 annually).
  • Enjoy a 16.99% p.a. variable rate on purchases.
  • Secure low interest rates with instalments.
  • Includes complimentary travel insurance. Terms, conditions, limits, and exclusions apply.

Pros & cons

Pros

  • Get up to $30 cashback per month, up to $360 each year.
  • Relatively low interest rate of 16.99% p.a. on cash advances and purchases.
  • An instalment plan that helps lock up lower interest rate (9.99% p.a.).
Cons

  • Interest-free 45 days is lower than most cards offering up to 55 days.
  • You need an Orange Everyday account or open one to get this credit card.
  • A lot of requirements to become eligible for ATM fee rebates and foreign transaction fee waivers.
Bankwest Zero Platinum Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros & cons

Pros
  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.
Cons
  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Kogan Money Black Credit Card

On Kogan Money's website

Balance transfer

6 months at 0% p.a.

Purchase rate

21.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • Receive $400 Kogan.com Credit upon spending $3,000 on qualifying purchases within 90 days from card approval.
  • Earn 1 Qantas Point per $1 spent on eligible purchases. You must link your Qantas Frequent Flyer details to your Kogan FIRST membership account.
  • No annual fees, forever!
  • Free shipping on thousands of products, express shipping upgrades, and access to exclusive promos at Kogan.com and Dick Smith.
  • Plus, get $100 off your Kogan Energy bill with your FIRST membership.

Pros & cons

Pros
  • 0% p.a. for 6 months on Balance Transfers with no balance transfer fee. Reverts to 22.74% p.a after the promotional period.
  • Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 reward point per $1 on other eligible purchases.
  • Uncapped rewards.
  • Use your points to shop at Kogan.com (1,000 points equals $10 in credit).
  • Add up to 4 additional cardholders at no extra cost.
  • Compatible with Apple Pay and Google Pay.
  • Shop confidently with FRAUDSHIELD® and Visa Zero Liability, keeping your transactions secure.
Cons
  • Foreign transaction fee of $5 or 3.5% for domestic, $5 for international.
  • The ongoing cash advance rate is 22.74% p.a.
Qantas American Express Discovery Credit Card

On American Express' website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • A $0 annual fee for life—rare for a rewards credit card, making it a cost-effective option.
  • Earn 1.75 Qantas Points per $1 spent on Qantas products and services, 0.75 points per $1 spent on everyday spend, and 0.5 points per $1 spent on government spend.
  • Get up to 4 Additional Cards for family members or friends with no extra fee

Pros & cons

Pros
  • No cap on the number of points you can earn.
  • Use your Qantas Points for Classic Flight Rewards or Points Plus Pay on Qantas and partner airlines, with flights to over 1,200 destinations worldwide.
  • Complimentary Card Purchase Cover and Card Refund Cover.
  • Split eligible purchases over $100 or part of your balance into equal monthly instalments. Choose from 3, 6, or 12-month terms with no interest—just a fixed monthly fee.
  • Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 3% foreign transaction fee.
  • Lacks complimentary travel insurance.
  • There is no access to a concierge service.
What is an easy approval credit card?

The lowdown.

What is an easy approval credit card?

An easy approval credit card is a type of credit card designed to be more accessible than standard cards, often catering to individuals with limited credit history, lower income, a temporary visa, or those seeking a modest line of credit for budget management.

While these cards may have simpler eligibility requirements and lower credit limits, issuers still conduct necessary checks on income, employment, and credit history to assess creditworthiness.

The streamlined approval process and basic features help reduce the provider's risk, making approval easier for qualifying applicants, but do not eliminate the standard checks and balances required for responsible lending.

What can improve my chances of getting approved for a credit card?

The factors that matter most.

What can improve my chances of getting approved for a credit card?

Two primary factors that significantly influence your credit card approval odds are a solid credit history and a stable income. These two elements enhance your likelihood of securing a credit card because it is an unsecured form of credit, and financial institutions seek assurance that you can make the minimum monthly payments.

In Australia, credit card issuers must adhere to lending guidelines enforced by the Australian Securities and Investments Commission (ASIC). As per ASIC regulations, credit card companies and lenders are required to:

  • Evaluate your application based on your ability to repay the credit limit within 3 years and
  • Conduct inquiries about your financial circumstances before approving your credit application.

This is why card issuers assess your credit report when reviewing your application. Consequently, it is not possible to obtain a credit card without undergoing a credit check, and no card issuer can guarantee approval prior to you submitting an application.

What can help you get approved for a credit card

Expert opinion

What can help you get approved for a credit card

David Boyd of Credit Card Compare

David Boyd, co-founder of Credit Card Compare, explains:

While no foolproof method guarantees credit card approval, satisfying a card's eligibility requirements enhances your chances of success. Generally, cards with more basic features tend to have fewer eligibility criteria compared to premium cards loaded with perks.
Types of credit cards that may be easier to get approved for

Low-barrier credit card options

Types of credit cards that may be easier to get approved for

Consider the following types of credit cards that may have more relaxed eligibility requirements:

  • Low income credit cards. These cards are for individuals with a solid credit history and an annual income ranging from $15,000 to $35,000. When applying, you must submit proof of income, such as recent pay stubs and employer details.
  • Low credit limit cards. If your income is on the lower side, consider cards with minimum credit limits starting around $500. A lower credit limit can help minimise the risk of debt and make it easier to fulfil the eligibility criteria.
  • Low annual fee credit cards. Annual fees for credit cards vary, but those with low or no annual fees typically offer fewer additional features and may have lower income requirements.
  • Low interest rate credit cards. These cards provide a low interest rate for purchases and usually come with fewer extras (like rewards or complimentary insurance) compared to premium cards. They are also likelier to have lower minimum income requirements, potentially making qualifying easier.
  • No interest, flat fee cards. Instead of charging interest, these cards have a monthly fee and offer credit limits ranging from $1,000 to $3,000. Designed to compete with buy now, pay later services, their structured repayments and low credit limits can make them easier to apply for and get approved.
  • Joint account cards. With a joint account credit card, you apply and share responsibility with another person. Your combined income and financial situation are evaluated during the application process, which could improve your chances of approval. However, only a limited number of banks offer joint account cards, and the application process may take longer.
What’s the easiest credit card to get in Australia?

Finding Australia's most accessible credit cards.

What’s the easiest credit card to get in Australia?

Credit card approval typically depends on meeting the eligibility criteria set by the issuer, which usually includes having a good credit score and demonstrating the ability to repay the credit.

While it is difficult to pinpoint one specific card that is the easiest to get approved for, generally speaking, credit cards with low credit limits tend to be more accessible. This is especially true for young Australians or those with a limited credit history looking for their first credit card. These cards often come with lower minimum income requirements, making approval easier.

While these cards may lack premium features — they don't typically earn frequent flyer points or have travel benefits like airport lounge access — they could be easier to qualify for individuals with lower incomes or limited credit histories. Using one of these cards responsibly can help you build or improve your credit score, but it does take time. Responsible usage demonstrates to lenders that you can manage credit effectively, which can open the door to more favourable financial products in the future.

In addition to these types of cards, many issuers offer an instant decision on your credit card application. When available, banks typically respond within 60 seconds of submitting your application. They rely on automated systems to quickly assess your credit history, income, and other financial details. If you meet the card’s criteria, you’ll likely receive immediate approval.

However, it’s important to note that instant approval doesn’t guarantee final approval, even if you meet all the minimum criteria. Often, you may receive conditional approval, which means the issuer requires additional documentation before fully approving your application, such as proof of employment. Always ensure you meet the basic eligibility criteria and have all necessary paperwork ready before applying.

Being realistic about what card to apply for

First steps to credit.

Being realistic about what card to apply for

Sarah, 22, recently started her first full-time job and is eager to get a credit card. With a modest income and limited credit history, she wants a simple, low-cost card to manage her expenses. As she starts looking into her options, she encounters a range of credit cards, many with enticing rewards programs. But these cards also come with high annual fees and minimum income requirements that she doesn't quite meet.

For Sarah, applying for one of these higher-end cards is not practical. With her current income, she wouldn't be able to spend enough to justify the fees or fully utilise the rewards programs. And the strict eligibility criteria may make approval difficult, especially with her limited work experience and credit history.

Instead, Sarah decides to search for simpler, lower-fee cards designed for people in her situation. These cards typically offer lower credit limits, which may seem restrictive, but they also make it easier for first-time users like Sarah to qualify. A low-limit card helps keep her spending in check, reducing the risk of accumulating debt and ensuring she can manage her payments within her means.

She finds a card that offers no annual fee and comes with basic features. It doesn’t offer rewards or the perks she initially hoped for, but it’s an option that works for her budget and financial goals. While she won’t earn points, she’ll avoid the unnecessary fees that may come with a rewards-based card.

For Sarah, a no-frills card with a lower limit may not offer flashy benefits, but it allows her to keep costs low and learn how to use credit responsibly.

This case study is intended as a representative example.

Credit cards with guaranteed approval

What you need to know before applying.

Credit cards with guaranteed approval

In Australia, there's no such thing as a guaranteed approval credit card. Lenders are required by law to check if you can repay the credit before approving your application. This applies to everyone, regardless of their credit score. Lenders must look into your finances and confirm your ability to repay before giving you credit.

As for credit cards for bad credit, it is worth knowing that there’s no universal definition of bad credit across all lenders. If your credit score is low or if you have limited credit history, perhaps because you’re young or new to using credit, you may want to consider low-rate andlow-fee credit cards. These types of cards are often more accessible to first-time cardholders, as they help keep costs down while you learn to manage credit. Cards with low credit limits and minimal income requirements may also improve your chances of approval.

Remember, getting a credit card with bad credit isn’t impossible, but it can be more challenging. But it’s important to carefully consider whether a credit card is the right option for you, especially if your poor credit score stems from past financial difficulties or trouble managing your finances.

While a credit card, when used responsibly, can help you improve your cash flow and build your credit score over time, it’s not a solution for improving your overall financial situation or clearing existing debts. Make sure you fully assess your current financial standing before applying for additional credit, and ensure that taking on a credit card won’t worsen any financial issues.

Help choosing an easy approval credit card

Learn about various types of easy approval credit cards in Australia.

  • FAQs

  • Pros & cons

  • Alternatives

  • Why trust us

Are there any credit cards with no credit check?

No. Every card issuer in Australia — without exception — will conduct a hard credit check when processing a credit card application.

What credit score do I need to get approved for a credit card?

You typically need to have a good credit score to get approved for a credit card. It's a good idea to check your credit report before submitting a credit card application to make sure yours is good enough.

Which credit cards are the easiest to get approved for?

There is no avoiding a hard credit check when applying for a new credit card. Low rate or no-frills credit cards with low (or no) annual fee typically have less demanding minimum criteria than their higher end counterparts with rewards and travel benefits. Always check that you are eligible before submitting your application.

Can I get credit card approval with no job?

You may qualify for a credit card without traditional employment, but it can be challenging. Most issuers require proof of income to ensure you can manage repayments. However, some may consider alternative income sources such as rental income, investments, or government benefits, such as Centrelink, when assessing your application.

Finding a credit card issuer willing to offer a card to someone with no income is unlikely, as most lenders have minimum income requirements to ensure repayments can be made. While this may seem discouraging, these requirements are designed to prevent individuals from accumulating debt they can’t afford to repay.

Pros

Cheaper to keep

Some easy approval cards, like instant approval options, can provide a decision within minutes, allowing applicants to know whether they've been approved right away.

Simplicity

Since these cards are not aimed at the upper end of the market, they tend to be an overall simpler offer with straightforward rates and fees. These cards often come with lower credit limits, which can help users manage their spending and avoid accumulating high debt levels.

Cons

Less likely to earn points

Cards that are easier to get have no-frills and probably do not come with a rewards program for points or cashback.

Basic offers with no-frills

Most of the easiest cards to get offer very little other than credit. Cards offering rewards and travel benefits tend to be more difficult to get approved for.

Pay on demand apps

A variant on a payday loan, pay on demand or pay advance apps give users early access to their salary for a fee.

The fastest of these apps claim to deposit funds within 60 seconds of account approval. That's as fast — or faster — than the select few virtual credit cards with immediate use available in Australia.

Buy now, pay later (BNPL)

Buy now, pay later (BNPL) services became popular since they allowed the customer to pay for a purchase in instalments, usually with no interest and a simple fee structure.

It is possible to open an account with Afterpay, the most popular BNPL service, without a credit check. However, it is still possible to build debt with BNPL just as it is with a credit card.

Secured personal loans

A secured personal loan is a type of loan that is generally considered easier to get because the loan is secured against an asset you own, for example, a car, property, or savings.

Unlike a credit card, a personal loan is not generally flexible and must be repaid in monthly instalments over several years.

Sources

  1. About defaults — CreditSmart
  2. Buy Now Pay Later — Financial Rights
  3. Credit card financial assistance — Australian Banking
  4. Credit card minimum repayment only calculator — Credit Card Compare
  5. Credit scores and credit reports – Moneysmart
  6. Managing debt – Moneysmart
  7. Responsible lending — ASIC

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business