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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

P&N Bank is a mutual bank that is owned by its members in Western Australia. It offers a choice of credit cards with low-cost features and platinum perks.

Comparison of P&N Credit Cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
P&N Bank Visa Classic Credit Card
P&N Bank Visa Classic Credit Card image
Purchase rate p.a.
11.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
11.99%
Annual fee
$49
More Info
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 image
Purchase rate p.a.
11.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
11.99%
Annual fee
$99
More Info
Offers a range of insurance plans, access to the Visa 24/7 concierge and other lifestyle and entertainment perks through Visa Premium.
P&N Bank & Visa Platinum Credit Card
P&N Bank & Visa Platinum Credit Card image
Purchase rate p.a.
7.22%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
7.22%
Annual fee
$0
More Info
Offers a very low 7.22% p.a. variable rate for purchases, $0 annual fee and complimentary insurances. Eligible home loan customers only.
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Types of credit cards from P&N Bank

  • Low rate credit card

The P&N Bank Visa Classic is a low rate credit card with a 11.99% p.a. purchase interest rate. It also offers an ongoing annual fee of $49 that's competitive with other low rate credit cards.

  • Platinum credit card

The P&N Bank Visa Platinum is the bank's premium product, with a minimum credit limit starting at $6,000. It also offers complimentary overseas travel insurance and access to the 24/7 Visa Platinum Concierge Service for everything from booking restaurants, getting concert tickets or organising your next holiday. This card has a $99 annual fee and relatively low rate compared to other platinum cards on the market.

  • Credit card for home loan customers

P&N Bank sets itself apart from most credit card issuers in Australia by offering a card exclusively to eligible home loan customers: the & Visa Platinum Credit Card. This card has one of the lowest interest rates on the market, currently 7.22% p.a. variable for purchases. It also has no annual fee and complimentary insurance.

Benefits of getting a credit card from P&N Bank

  • Mutual bank

P&N Bank is a customer-owned bank, which means profits go back to members and the bank's products, rather than shareholders.

  • Visa benefits

P&N Bank credit cards offer worldwide acceptance through the Visa card network. Other benefits include:

    • Visa payWave. You can make contactless payments of up to $100 without entering a PIN when you tap and pay.
    • Security. Purchases are protected by Visa Secure when you shop online, as well as the Visa Zero Liability Policy for fraudulent transactions.
    • Visa Offers + Perks. You can get access to exclusive travel, shopping, dining and entertainment deals through Visa Perks + Offers.
  • Mobile wallets

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

  • Complimentary insurance

P&N Bank platinum credit cards offer complimentary overseas travel insurance, rental vehicle excess cover, purchase cover and buyer's advantage cover for eligible travel bookings or items bought with the card.

How to apply

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 you apply?

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 have any questions, contact P&N Bank on 13 25 77.

Credit card brands similar to P&N Bank

If you want a credit card from a member-owned bank or one based on WA, here are 3 other credit card providers you could compare with P&N Bank:

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

Image: P&N Bank

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Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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More guides on Finder

  • P&N Bank & Visa Platinum Credit Card

    The P&N Bank & Visa Platinum Credit Card has a very low 7.22% p.a. variable rate for purchases, complimentary insurance and no annual fee – exclusive to home loan customers.

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