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What you need to apply for a credit card

Find out exactly what details and documents might be required for your credit card application here.


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Getting a new credit card is always subject to application approval from the bank or provider. The exact requirements you’ll need to meet vary between credit card providers, but there are a few general terms and conditions you’ll need to meet across the board

This guide outlines the eligibility requirements and information you need to provide to ensure your credit card application process goes as smoothly as possible.

What are the eligibility requirements?

The start of your credit card application will often include a small section to verify that you qualify and that you have read and understand the terms outlined by the provider. These criteria vary based on the card and provider, but generally include age and income.

CC Requirements

If you meet these requirements, you can continue to the main part of the application. This is where you’ll be required to provide a variety of information to the lender.

What information will I need to provide on my application?

The information you need to provide and the order it’s requested in may vary depending on the credit card you’re applying for, and the bank. To be well-prepared, you might expect to find the following information requested.

Personal information

Most credit card applications begin by requesting details about your personal information. Ensure that all the following information you provide is correct:

  • Personal information. This includes your full name and date of birth.
  • Residential information. At this stage of the application, you may also be required to provide details or your New Zealand residency status.
  • Proof of identity. You will need to provide proof of identification such as a passport or driver’s licence.
  • Residential address. These details relate to your current home address and the length of time you have been there. In certain cases, you could also be asked to provide information on previous residential addresses.
  • Contact details. Most lenders now require a valid email address as well as a phone number.
  • Dependents. This is the total number of dependents (ie. your children).

Note that if you are applying for a joint credit card account, all of the same information may be required for the additional applicant.

Employment and income information

The financial institution that you are applying with may want to verify that you are receiving a steady income. To do this they will ask for:

  • Your occupation. For example, you’ll need to provide your title and the field you work in (e.g. media, education, management).
  • Employer information. You’ll need to specify the amount of time you’ve been with your current employer and provide your employer’s name and contact information. In some cases, you may also be asked to list previous employment details as well.
  • Income. Include details of your annual income before taxes, as well as any secondary income you may receive.
  • Self-employed. If you are self-employed when applying for a credit card, you may need to provide your accountant’s information and previous Tax Assessments in order to verify your income.

Financial information

The financial information portion of a credit card application helps to determine if you qualify for the card. It also helps in determining your credit limit. Information you’ll need to provide here includes:

  • Account details. This includes details for savings and transactions accounts, along with the current balances.
  • Assets. Assets could include savings, investments, property and major items in your home.
  • Monthly expenses. You will be asked to provide details of your monthly financial obligations, including payments for rent, mortgage and other living expenses (such as groceries and fuel). If you are unsure of some of these expenses, you can estimate them by looking at your transaction account details for the past few months and working out an average.
  • Credit and other liabilities. You’ll need to provide details of any existing credit accounts and liabilities, such as cards, personal loans or mortgages.

Card preferences

At some point in your application, you will be asked for your card preferences and given the option for a balance transfer. Information in this section will include:

  • Credit limit. You may be able to choose between nominating a specific credit limit or having the lender assign a limit to you. If you decide to request a limit, consider your spending habits as well as your current financial circumstances so that you can choose a figure that is likely to be approved and also manageable for you.
  • Additional cardholders and their details. If you have an eligible partner or dependent who you’d like to add as an additional cardholder, make sure to have their personal details on hand for this part of the application. You will need to provide their full name, age and contact information.
  • Balance transfer. If you are applying for a balance transfer from an existing card to a new card from an existing card to the new card, you will need to include details of your current credit card account, the financial institution and the amount of debt that you wish to transfer. Make sure you have your card details, as well as the BSB for your current provider on hand. Also ,note that you may not be able to transfer the balance from a card that is issued by the same provider.

After you have completed these steps, you will be asked to review your details before hitting the “submit” button. Thoroughly check your form for accuracy. It will trigger an enquiry on your credit file, so make sure it’s worthwhile.

Compare credit cards for 2020

Data indicated here is updated regularly
Name Product Purchase Rate Interest Free Period Annual Fee
American Express Airpoints Card
0% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$0 p.a.
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$149 p.a.
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% APR
Up to 55 days on purchases
$195 p.a.
Be rewarded with 400 bonus Airpoints Dollars when you apply online by 2 November 2020, are approved, and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members only. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Platinum Card
Up to 44 days on purchases
$1,250 p.a.
A charge card with premium travel benefits. Plus up to 80,000 Membership Rewards Bonus Points when you spend $1,500 on your card within the first 3 months, available to new Card Members only.

Compare up to 4 providers

What else do I need to remember when applying?

  • Supporting documentation. After you have submitted the initial application (or during the application), you will also be required toprovide documentation that supports the information provided. This typically includes identifying documents with a photo, several recent payslips and/or tax documents.
  • Document submission. Check how the process works for verifying your documents. In some cases, you may be able to upload copies online via a secure service, while in others you might have to bring them to a branch.
  • “Instant” approval. Sometimes credit card applications you submit online will provide you with a response within 60 seconds. Remember that if you are approved at this stage, you may still have to provide the supporting documents in order to receive and activate your card.
If you do the research first and gather together all of the information required, filling out a credit card application online might only take a few minutes.

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