Neither,
As I got my premier account in US, they sent me an email to arrange welcome call with RM. During the welcome call I mentioned that I wish to apply credit card and my RM sent a PDF application form. 2 days after I signed it RM came to me saying that the credit card team requested my Aus payslips. 2 business day after submission, my credit card is approved.
I applied online and they called me from UK regarding my application. I cannot exactly remember what they asked but it was a pretty smooth process for me.