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 expertiseKeith Kilcourse is a publisher at Finder for money transfers and credit cards. Passionate about helping people find the right credit card and save money on exchange rates. Previously worked at MoneySavingExpert.com in the UK for over three years. See full bio
Keith's expertiseWhen 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.
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:
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:
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."
| Response | Male | Female |
|---|---|---|
| 0 | 21.62% | 18.97% |
| 1 | 2.82% | 1.9% |
| 2 | 1.69% | 1.55% |
| 3 | 0.38% | 0.17% |
Banks know your credit score, so why shouldn't you? The Finder app updates your score automatically each month and lets you know if it changes. Pop in your phone number below to get your download link.
Waiting to hear back about a credit card application right now? You can contact the provider to find out what's going on. Or, if you're getting ready to apply for a new credit card, get some more tips on the application process and compare some of the latest offers so you can get your next card as quickly as possible.
To make sure you get accurate and helpful information, this guide has been edited by Keith Kilcourse as part of our fact-checking process.
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 expertiseCredit cards for pensioners Learn how to apply for a credit card when you're retired or on a pension and compare cards to find one that suits your needs.
Credit cards with lounge access Find out how you can enjoy the luxury and services of airport lounges all around the world with a credit card that offers complimentary airport lounge access.
Credit Card Surcharges Compare the surcharges that you can expect when you pay with a credit card and pick up tips to avoid these extra fees.
The best credit cards in Australia (seriously, we sorted through 250+) While there isn't one best credit card, you can find a card that suits your needs by comparing the features, deals and offers that are trending here.
Joint credit cards Learn which credit card issuers allow joint-account credit card applications so you can decide if this option is right for you.
Credit card limit calculator Learn what information the bank uses to determine your credit limit and the steps you need to take before you request a limit increase.
Australian Bank ATM Fees and Charges Find out what you'll be charged and how you can avoid the costs when using your credit card to withdraw money from an ATM.
Easy credit cards to get approval for in Australia When you apply for a credit card online, you could receive a response within 60 seconds. Find out how you to find a card that you're eligible for and increase your chances of approval.
Minimum income requirements for credit cards Find out how much you need to earn each year to apply for a credit card and compare low income credit cards in this guide.
No Foreign Transaction Fee Credit Cards Find out how you can keep your overseas spending costs down by comparing credit cards with no foreign transaction fees and no currency conversion fees.
Australia
Level 10, 99 York St, Sydney NSW 2000
Finder acknowledges Aboriginal and Torres Strait Islanders as the traditional custodians of country throughout Australia and their continuing connection to land, waters and community.
How likely would you be to recommend Finder to a friend or colleague?
Very Unlikely Extremely LikelyThank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market. Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them. Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options. Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
