Instant approval credit cards

Get a decision on your credit card application within 60 seconds when you apply for one of these instant approval cards.

By   |   Verified by David Boyd   |   Updated 21st September 2022

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Comparing instant approval credit cards

American Express Airpoints Platinum Credit Card

On website

American Express Airpoints Platinum Credit Card

Balance transfer

N/A

Purchase rate

19.95% p.a. ongoing

Annual fee

$195.00 p.a. ongoing

Highlights

  • Earn 300 bonus Airpoints Dollars when you apply online, are approved, and spend $1,500 on your new Card within the first 3 months. New Card Members only.
  • $195 p.a. annual fee.
  • Enjoy access to the American Express Lounge and VIP lounges and discounted rates on Koru club lounge membership, including complimentary Smart Phone Screen Insurance, Domestic and International Travel Insurance.
American Express Airpoints Credit Card

On website

American Express Airpoints Credit Card

Balance transfer

N/A

Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Get 50 bonus Airpoints Dollars when you apply online are approved and spend $750 on your new Card within the first 3 months. New Card Members only.  
  • Take advantage of 0% p.a. on purchases for the first 6 months.
  • No annual card fee.
American Express Platinum Card

On website

American Express Platinum Card

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Annual fee

$1,250.00 p.a. ongoing

Highlights

  • Get 100,000 Membership Rewards Bonus Points when you apply online, are approved and spend $1,500 within the first 3 months. Available to new Card Members only.
  • Enjoy $150 back when you spend $150 or more, in one transaction, on your American Express Platinum Card at a participating restaurant. Valid twice a year. Exclusions, terms & conditions apply.
  • Receive a $200 travel credit each year.
American Express Gold Rewards Card

On website

American Express Gold Rewards Card

Balance transfer

N/A

Purchase rate

19.95% p.a. ongoing

Annual fee

$200.00 p.a. ongoing

Highlights

  • Get $200 back when you apply online, be approved, and spend $1,500 in the first 3 months. Terms and Conditions apply. New Card Members only.
  • Receive 2 x $100 credits every year to spend (limited to two $100 credit per defined calendar period) at the Local Dining Collection, which features some of New Zealand’s top restaurants.
  • Earn 2 Membership Rewards points per $1 spent.
  • Includes complimentary travel insurance.
Q Mastercard

Q Mastercard

Balance transfer

N/A

Purchase rate

25.99% p.a. ongoing

Annual fee

$50.00 p.a. ongoing

Highlights

  • Enjoy a minimum of 3 months zero interest, zero payments on all purchases, always.
  • No minimum spend.
  • You can use your Q Mastercard everywhere Mastercard is accepted, in-store and online.