🇦🇺 Credit Card Requirements in Australia

Comparing cards in Australia usually means picking a frequent-flyer program first, Qantas or Velocity, then finding the card that earns into it, with CommBank, Westpac, NAB, ANZ and Amex leading. Scores run 0 to 1200 depending on the bureau (around 700+ is generally considered good as of 2026). Low-rate balance-transfer offers are common, but points-earning cards often carry annual fees that only pay off if you redeem flights rather than gift cards. Surcharging on card payments is widespread here, which can quietly erode rewards, so confirm earn rates and fees on the issuer's site.

The score that matters

Banks in Australia lean heavily on your Credit Score (it runs 0–1200). Clear 700+ and the premium cards open up; sit below it and you'll still find secured and starter cards built for thinner files.

What you'll usually need

• To be old enough — 18+, sometimes 21+ on certain cards
• ID that checks out (passport, national ID or the local equivalent)
• Something that proves where you live
• Evidence you earn — payslips, bank statements or tax records
• A Credit Score in the qualifying range
• Residency, or a visa/work permit that allows it

Tilting the odds your way in Australia

• Pull your Credit Score first — most bureaus let you see it free.
• Apply only for cards that match your score band; scattershot applications mean needless rejections.
• Keep balances low and never miss a due date.
• No history yet? Begin with a secured or entry-level card and build from there.

Regulator: ASIC. Every issuer sets its own bar — confirm on the official application page before you apply.