大多數澳洲信用卡都預期申請人已有本地信用紀錄，但有幾家主要銀行明確接受簽證效期尚足夠的簽證持有人申請。核准與否始終取決於個別的信用及還款能力評估——以下內容為各供應商公布的資格條件，並非保證核准。
輸入您每月典型的刷卡金額，即可看出各卡片的積分實際價值——若直接兌現則為保守的「保守估值」，若妥善兌換（例如商務艙機票）則為樂觀的「樂觀估值」。
積分估值（保守／樂觀）為澳洲獨立積分估值機構的共識數字，並非我們自行估算——詳見各卡片備註的資料來源。保守估值假設以最簡單、近似現金的方式兌換（直接兌現或低門檻禮品卡）；樂觀估值假設妥善兌換高價值選項（需研究及艙位供應配合，並非僅靠積分數量）。分級／加碼類別的累點方式在此簡化為單一費率模型。以上卡片均未確認針對簽證持有人的核准政策——申請前請直接向發卡機構確認。
7 個選項
Credit cards for visa holders
ANZ accepts visa holder applications across its credit card range, subject to standard credit assessment.
At least 9 months remaining on an eligible visa at the time of application, or Australian/NZ citizenship or permanent residency.
Zero Platinum Mastercard
$0 annual fee and 0% international transaction fee, plus up to 55 days interest-free on purchases.
Standard credit and identity checks apply — we couldn't confirm a specific visa-holder policy for this card, so check directly before applying if you're on a temporary visa.
Credit cards for new arrivals & visa holders
CommBank has a dedicated pathway for newcomers — visa holders can apply even without an Australian credit history, across several card tiers (low-fee to rewards).
Australian/NZ citizen, permanent resident, or hold an eligible visa with more than 6 months remaining at the time of application. Passport required to confirm visa details if not a citizen/PR.
Kogan Money Credit Card
$0 ongoing annual fee plus uncapped rewards points (2 pts/$1 at Kogan.com, 1 pt/$1 elsewhere) redeemable for Kogan.com credit — a strong general-purpose no-fee card once you're eligible.
Australian citizens and permanent residents only — not available to temporary visa holders. Must earn $35,000+/year with full-time, part-time or self-employed income, be 18+, and have a good credit score.
28° Global Platinum Mastercard
$0 international transaction and currency conversion fees — a solid choice while you're still spending across multiple currencies during the move.
Temporary residents with work rights and an intention to stay in Australia for 12+ months or more are eligible, subject to a standard credit and affordability assessment. Must be 18+.
Credit cards for visa holders
NAB accepts applications from permanent residents and holders of an acceptable temporary residency visa.
Permanent residency or an acceptable temporary residency visa — NAB doesn't publish a specific minimum months-remaining figure, so confirm directly before applying.
Credit cards for visa holders
Westpac accepts visa holder applications across its credit card range, subject to standard credit assessment.
At least 12 months remaining on an eligible visa at the time of application, or Australian/NZ citizenship or permanent residency.