Credit Card Applications

Applying for your credit card is no longer a demanding task, with many forms available to complete online. By utilising this service, you can peruse the finer details and compare your options at your own pace in the comfort and convenience of your own home.

Applications vary between lenders, but we’ve put together some information on what you can expect during the process.

Personal information

  • Your name
  • Date of birth
  • Marital status
  • Dependent children
  • Drivers licence
  • Supporting documents to prove who you are (e.g. drivers licence)
  • Australian residency status
  • Customer number (if applying through your current bank)

Contact details

  • Contact phone numbers
  • Email address
  • Residential address

Referee details

Some lenders may need a referee for certain cards. This person can be anyone you know who isn’t currently living with you.

Financial information

Employment details

Your lender may ask for your employment details, including your current status (full time or part time) as well as occupation.

Income details

What is your monthly or annual income after tax? Lenders may also ask for information on additional sources of income (e.g. rental income or investments).

Expense and liability details

Applying for certain cards will require you to specify your existing level of debt. This may include other credit cards, mortgage repayments and child support.

Some lenders might require you to list anything considered an expense- even detail your weekly food and petrol budget. It’s wise to prepare this information prior to going through your application process, just in case.

Other

You may also be asked about any properties you own, the balance of your accounts (including those not belonging to the lender), and whether you hold any assets of substantial value.