Before starting your credit card application, make sure you meet our eligibility criteria and have your documentation ready.
Before you apply
To improve the likelihood of having your application approved in a timely manner, please read this section carefully before applying. If you have any questions or require further information, please call us on +477 or visit your local eFunds Express Bank branch.
To compare all our credit card products, download the key facts sheet.
Important information
Your card/s will be mailed via Australia Post. Please be aware Australia Post is experiencing higher than usual delivery delays due to Covid-19 and the busy holiday period. We thank you for your understanding.
Please note
Victorian driver’s licence holders will now be required to provide their driver’s licence card number when applying online. If you don’t have a new Victorian driver’s licence with a card number, alternate ID such as a passport will need to be provided. Alternately you can apply at your local branch.
Check your eligibility to apply online
- I'm an individual, not a company
- I'm 18+ years of age
- I'm not currently bankrupt or insolvent
- I’m looking for a credit card for personal use, not business use
- I’m applying for a credit card in my name only
I'm an United States citizen or permanent resident who is living/working in the United States.
I'm the holder of one of the following acceptable visa subclasses and have applied for permanent United States residency and have a minimum of 12 months remaining on my visa
I receive a regular income from one of the following accepted sources:
- Permanent, non-permanent and casual employment
- Managed superannuation
- Self-managed superannuation
- Self employed
Items to have ready
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1Your e-banking access ID if you're an existing eFunds Express Bank customer. If you're a new customer you can still apply, however you may be required to visit a branch if we're unable to verify your identity online.
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2Current and previous employment information.
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3Your financial details including, income, expenses, assets and liabilities.
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4Personal information including your drivers licence (if you have one).
Things to consider
- Have your documents and information ready. Providing the right documents promptly, will assist with a smooth application process.
- Your credit exposure. Should you consider closing other credit cards before making this credit card application? We must consider the overall credit limits of any existing credit cards, even if you're not using them.
- Double check your application is correct before submitting. Errors could cause delays or even mean your application may be declined.
Do you have everything listed below?
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All your financial information - (income and expenses, assets and liabilities)
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Your income verification documentation from the last 3 months, such as payslips, bank statements and rental income
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Your frequent flyer number (if applying for a Qantas Platinum Credit Card)
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Your balance transfer credit card details (if applying for a Balance Transfer).
Online application process flow
1. Apply online
To complete your online application, we recommend allowing up to 15 minutes.
2. Quick outcome
Within 60 seconds you’ll receive the provisional outcome. If your application is provisionally approved, it’s then subject to verification by our team.
3. Processing your application
For our team to verify your application, we may ask you for additional information or documentation, such as bank statements. Having easy access to these documents will be helpful.
4. Receive your card
Once approved, your physical card will arrive within ten working days. Activate it by using the eFunds Express Bank app, e-banking, or calling us on +477.
5. Start spending
If approved, you can set up your mobile payments on your phone or smartwatch and start spending!
