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P&N Bank

P&N Bank Credit Cards

Compare the low rate and platinum credit cards from the customer-owned P&N Bank.

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P&N Bank is a mutual bank that is owned by its members in Western Australia. Members are invited to attend annual general meetings and to cast a vote to decide who sits on the board of directors. You can use this guide to compare the low interest rate and platinum credit cards offered by P&N Bank.

Comparison of P&N Credit Cards

Name Product Purchase rate p.a. Interest-free period Balance transfer rate p.a. Annual fee

P&N Bank Visa Classic Credit Card

P&N Bank Visa Classic Credit Card
Up to 45 days on purchases
Offers up to 45 days interest-free and a low minimum credit limit of $1,000 on a no-frills Visa card.

P&N Bank Visa Platinum Credit Card

P&N Bank Visa Platinum Credit Card
Up to 45 days on purchases
Offers a range of insurance plans, access to the Visa 24/7 concierge and other lifestyle and entertainment perks through Visa Premium.

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Types of credit cards from P&N Bank

P&N Bank offers two credit cards, both of which charge a low interest rate to purchases and cash advances.

  • P&N Bank Visa Classic

This is P&N Bank's "no frills" credit card offering. It charges a competitive 11.31% p.a. purchase interest rate and low ongoing annual fee of $49. The P&N Bank Visa Classic has a low minimum credit limit of $1,000. You can link your card with Apple Pay, Google Pay and Samsung Pay to use your eligible device to make contactless payments.

  • P&N Bank Visa Platinum

The P&N Bank Visa Platinum is the bank's premium product, with a bigger credit limit starting at $6,000. Cardholders can save and enjoy peace of mind with complimentary overseas travel insurance. You can also take advantage of the 24/7 Visa Platinum Concierge Service for everything from booking restaurants, getting concert tickets or organising your next holiday. This card charges a $99 annual fee and is one of the few low rate platinum cards on the market.

The benefits of banking with P&N Bank

Use the financial services of P&N Bank and you get access to the following benefits.

  • Mutual bank

P&N Bank is a customer-owned bank and its members can help contribute to how the bank is run. There are 15 P&N Bank branches located in WA.

  • Visa perks

P&N Bank are partnered with Visa, meaning you can use them at millions of locations around the world. Some of the other Visa perks you can expect include:

    • Visa payWave. You can make contactless payments of up to $100 without entering a PIN when you tap and pay.
    • Security. Your purchases will be protected by Verified by Visa and the Visa Zero Liability Policy.
    • Visa Perks + Offers. You can save with discounts with partnered brands, enjoy exclusive travel deals and access pre-sale ticket events through Visa Perks + Offers.
  • Mobile wallets

The P&N Bank credit cards can be linked with the three major mobile wallets: Apple Pay, Samsung Pay and Google Pay.

How to apply for a P&N Bank credit card

You can apply for a P&N Bank credit card online in around 10 to 15 minutes. You'll need to meet the following eligibility criteria and provide the necessary information to apply:

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident who resides in Western Australia to apply.
  • Age. This card is only available to people who are at least 18 years old.
  • Income. You must receive a regular income.

Details and documents

  • Identification and contact information. If you’re a new P&N Bank member, provide your driver’s licence or Australian Passport. You may also use a primary form of identification without a photo (such as your birth certificate) with a secondary form of identification (such as a utility bill). You'll also need to list your contact information and address.
  • Income and assets. Provide information about your income and the contact details of your current and previous employers. If you’re self-employed, provide tax assessments and financial statements for the last two years. You'll need to list any assets like motor vehicles, bank accounts, shares and property.
  • Expenses and liabilities. Outline information about regular and ongoing expenses like child support, food budget, loan repayments and other credit cards you may want to include in a balance transfer to a P&N Bank credit card.

What happens after applying for a P&N Bank credit card?

Once you submit your application for a P&N Bank credit card, you should receive a confirmation email informing you about the status of your credit card application. If you haven’t received a response regarding your credit card application, call a P&N Bank customer service agent and quote your application reference number. This is provided to you on the first or second page of the online application. A P&N Bank team member can then search for your application and let you know whether you’ve been approved or declined for a credit card. If your application is conditionally approved, you may need to provide P&N Bank with more information about your finances before you’re granted full approval. You can expect to receive your credit card about 10 business days after a successful application. You can activate your card over the phone, which you'll need to do before you use the card.

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Frequently asked questions

We’ve listed frequently asked questions about P&N Bank credit cards below. If you can’t find an answer, ask us a question using the form at the bottom of the page or by sending an email to help@finder.com.au.

Image: P&N Bank

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More guides on Finder

  • P&N Bank Visa Classic

    The P&N Bank Visa Classic credit card boasts a low annual fee and competitive interest rates.

  • P&N Bank Platinum Visa Credit Card

    While the P&N Bank Platinum Visa Credit Card is a platinum card, it comes with a low variable purchase rate plus you can choose to link your P&N Bank SwiftSaver or Easypay Access account with this card.

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