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 Yvonne Taylor | Verified by David Boyd | Updated 3 Mar 2023
As seen on
Comparing instant approval credit cards
On website
Balance transfer
N/A
Purchase rate
19.95% p.a. ongoing
Annual fee
$195.00 p.a. ongoing
Highlights
- Earn 300 bonus Airpoints Dollars for spending $1,500 within the first 3 months.
- $195 p.a. annual fee.
- Earn rewards fast at 1 Airpoints Dollar per $59 spent.
- American Express Lounge and VIP lounges and discounted rates on Koru club lounge membership.
- Complimentary domestic and international travel insurance and smartphone insurance for screen repairs.
Pros
Cons
On website
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.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Annual fee
$1,250.00 p.a. ongoing
Highlights
- Get 100,000 Bonus Membership Rewards Points when you apply online, are approved, and spend $1,500 within the first 3 months.
- Up to $300 Dining Credit a year at the best NZ restaurants. Enjoy a $150 cash back when you spend $150 or more in one transaction at a participating restaurant. Valid twice a year.
- Receive up to $200 travel credit each year through American Express Travel.
- Transfer your Membership Rewards Points to a choice of airline and hotel rewards programs.
- Up to $500 cover towards smartphone front screen repair.
Pros
Cons
On website
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.
- Up to 2 x $100 credits annually to spend at the Local Dining Collection featuring some of New Zealand’s top restaurants.
- Earn 2 Membership Rewards points per $1 spent on eligible purchases.
- Includes complimentary travel insurance.
Pros
Cons
Balance transfer
N/A
Purchase rate
26.69% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Enjoy 90 days interest-free on purchases with no minimum spend.
- Use anywhere Mastercard is accepted, in-store and online.
- Exclusive cardholder days when Q Mastercard cardholders can enjoy exclusive deals and extended finance promotions.
