The eligibility check.

No matter who you go with when applying for a card, a credit assessment system is used to check your financial situation. National credit debt is currently at a record high and bankruptcy is on the rise, so as responsible lenders it's up to us to ensure we're doing everything we can to prevent our customers getting into hot water.

What you need to do on this page.

Before you dive into the application form please check your eligibility for a card by scanning the lists below.

You MAY NOT qualify for a card if this is you.

  • I rent/board.
  • I'm a homeowner (or paying off the home loan) and have been living at that property for less than two years.
  • I earn less than $40,000 a year after tax (excluding super).
  • I can't prove my income with payslips or an income tax assessment.
  • I've been with my current employer for less than one year.

You WON'T qualify for a card if this is you.

  • I'm younger than 18.
  • I'm not a permanent Australian resident.
  • I have a naughty debt record.

I've read and understood what you're telling me.