Applying for a credit card with Westpac is a straightforward process, whether you're a new or existing customer. Below is a comprehensive guide to help you navigate the application procedure.
How to Apply for a Westpac Credit Card
To initiate your application, visit the Westpac Credit Cards page and select the card that best suits your needs. Click the "Apply now" button to begin the process. The application typically takes around 10 minutes to complete, though it may be quicker for existing customers.
Required Documentation
During the application, you'll need to provide personal, financial, and employment information. Ensure you have the following documents ready:
- Two forms of identification (e.g., Australian driver's licence, passport, or Medicare card)
- Details of your income and expenses
- Employment information
For a comprehensive list of acceptable documents, refer to the Credit Card Application Documents page.
Eligibility Criteria
To be eligible for a Westpac credit card, you must:
- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Meet the specific income requirements for the card you're applying for
Note that the application process may impact your credit rating, and approval is subject to Westpac's lending criteria.
Application Process for Existing Customers
If you're an existing Westpac customer, you can apply through Online Banking or the Westpac mobile app. The process is streamlined, and you may receive a decision more quickly.
Application Process for New Customers
New customers can apply online. You'll need to verify your identity and provide the necessary documentation. The process may take longer, but Westpac aims to provide a decision within 21 days. If additional information is required, they will contact you within 5 business days.
After Submission
Once your application is submitted, Westpac will review your information. You may receive conditional approval via email and will be required to verify your information or upload additional documents. For more details on the post-submission process, visit the What happens when I submit the online form? page.
For assistance or more information, you can contact Westpac's application support at 1300 720 697.
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