How long does the credit card application take to complete? What do I need?

The online credit card application should take you less than 10 minutes to complete. You’ll need:

Your personal details

  • Your contact details
  • Driver's licence number (if you have one)
  • Current residential status (and previous residential details if you have been at your current address for less than 3 years)
  • Contact details of a relative or friend not living with you

Your financial position

  • Your employer's address and telephone number
  • Annual and monthly income (before and after tax)
  • Contact details for your accountant if self-employed
  • Types and amounts of other income (e.g. rental income)
  • Details of your main expenses, including the current balances owing on your credit cards, loans and investment mortgages.


If you plan to transfer a balance from another financial institution, please provide us with the details of that account, including:

  • the name the account's held in
  • the type of card/account
  • the card/account number
  • the amount to be transferred
  • the issuing organisation's name and address


It usually takes 5-7 business days to process your application.