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Easy credit cards to get approval for

Increase your chances of approval and compare credit cards with reasonable eligibility requirements.

Name Product Purchase Rate Annual Fee Balance Transfer Rate
The Co-operative Bank Fair Rate Credit Card
12.95% p.a.
0% p.a. for 6 months
0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% p.a. on both purchases and cash advances.
ASB Visa Light
13.5% p.a.
0% p.a. for 6 months
0% p.a. interest for 6 months on any purchase of $1,000 or more with ASB Smart Rate.
ANZ Low Rate Visa Credit Card
12.9% p.a.
1.99% p.a. for 24 months
1.99% p.a on balances transferred for the first two years, plus save with $0 annual fee and a low rate of 12.90% on purchases.
BNZ Lite Visa
12.9% p.a.
Kiwibank Zero Visa
12.9% p.a.
1.99% p.a. for 6 months
1.99% p.a. on balance transfers for 6 months.

Compare up to 4 providers

Some credit cards might offer approval within 60 seconds when you apply online, but you’ll still need to meet a set of eligibility requirements to be successful. Some credit cards have more relaxed requirements than others though, so it’s worth knowing what kind of eligibility requirements you need to meet before applying.

Which types of credit cards are easier to apply for?

Credit card application requirements generally increase in demand with premium cards that include more perks and benefits. The following types of credit cards may have lower requirements for successful application:

  • Low rate cards. If you plan to carry a balance on your credit card, getting a card with a low-interest rate on your purchases could help keep costs down when compared to other options. A typical low interest rate card might not offer extras like complimentary insurance and reward points, but it will offer all the basic features you can expect from a credit card.
  • Low credit limit credit cards. Cards with stricter income requirements may have more features and higher credit limits. If you have a low income, you can compare cards with low credit limits that start at around $500 to find a card that suits your financial situation and eligibility requirements.
  • Joint account cards. If you don’t earn enough to apply for a credit card, you can consider applying for one as a joint applicant, by combining your income with your partner’s income. If your partner has an existing credit card, you can even think about getting an additional card linked to it for you. You may want to compare cards that offer joint accounts.
  • Low annual fee cards. Annual cards on credit cards vary, but cards with low fees are likely to have fewer extra features and may have lower income requirements.

What are the pros and cons of applying for one of these credit cards?


  • Suitable for low-income earners. This, without a doubt, is the biggest advantage of such cards, given that people who don’t earn much don’t have too many options. If you earn $20,000 a year or more, you can think about applying for a low-income credit card.
  • Keep expenses in check. One risk of getting a credit card is over spending. A typical low-income credit card comes with a low credit limit, ensuring that you don’t end up making excessive purchases.
  • Promotional interest rates. Certain low-income credit cards come with promotional interest rates that stay in place for varied time periods, typically in between 6 to 12 months. These promotional rates normally apply only to balance transfers, but some cards offer these rates on purchases as well.


  • Paying high interest. Credit cards charge interest on purchases and cash advances, and these might or might not be the same. With a card that charges high interest, if you don’t pay your balances in full each month you could end up paying a significant amount in the form of interest.
  • Fees and charges. Depending on the credit card you want, you might have to pay application fees and ongoing account keeping fees. If you don’t make timely repayments you could have to pay late charges.
  • Temptation to spend. A credit card can be a good way to free up your cash flow and build your credit history, however make sure you stick to a budget and avoid the temptation to use the card for purchases that you can’t afford to pay off.


How to apply for one of these credit cards

Once you’ve compared your options, you can apply for a credit card online and might receive pre-approval fast. Before you apply, though, make sure you’ve made sure you meet the eligibility requirements and have the relevant documents handy.

Eligibility criteria

To apply, you would usually have to meet the following eligibility criteria:

  • You’re at least 18 years of age
  • You’re a permanent resident of New Zealand or a New Zealand citizen
  • You have a regular source of income
  • You have a good credit history

Necessary documents and information

You also need to provide different types of information, which could include the following:

  • Your complete name, date of birth, and details from your New Zealand driver’s license or passport
  • Your residential address, email address, and phone number
  • Details of your income and expenses including a recent payslip

While you don’t have to earn a lot of money to get a credit card, remember that you do have to repay the money you spend – and may have interest charges that add to the cost. If you still wish to apply, make sure you compare your options well before deciding to select the option that suits your unique financial situation.

How can I make sure I am eligible to apply for the credit card?

Most banks provide a clear list of eligibility requirements (including a minimum income, good credit history with no history of bankruptcy and New Zealand residency status). Make sure you read over these requirements before applying for a credit card. If you’re unsure about the criteria, you can contact the bank or credit card issuer to discuss your likelihood of acceptance or to confirm your eligibility.

If my application is declined should I apply for another card straight away?

No, this might negatively impact your credit history and could cause your next application to be declined as well. This is because each application you make is listed on your credit file, which the credit issuer checks when you apply. A series of unsuccessful applications could suggest you are not able to manage credit and may decrease your chances of being approved. So if your credit card application is declined, you may want to wait some time before trying to apply again. You can also use this time to pay down any existing debts and research other cards you may be eligible for.

Will my credit report or credit history affect my application?

Yes. Banks will check your credit history when you make an application inquiry. If your credit report isn’t in good standing, you may want to look for ways to improve it before applying for your next card.

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