P&N Bank Credit Cards

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

Updated Sep 25, 2020

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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	Interest-free period	Annual fee	Balance transfer rate
P&N Bank Visa Classic Credit Card		11.31% p.a.	Up to 45 days on purchases	$49	11.31% p.a.	Offers up to 45 days interest-free and a low minimum credit limit of $1,000 on a no-frills Visa card.	More Info	Compare	loading Fetching your data...
P&N Bank Visa Platinum Credit Card		11.31% p.a.	Up to 45 days on purchases	$99	11.31% p.a.	Offers a range of insurance plans, access to the Visa 24/7 concierge and other lifestyle and entertainment perks through Visa Premium.	More Info	Compare	loading Fetching your data...

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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.

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.

You can request to transfer a balance from another card to your new P&N Bank credit card when you first open the account.
- You can use up to your available credit limit on your P&N Bank credit card towards a balance transfer.
- The minimum balance transfer amount is $500.
- The interest-free period on purchases does not apply if you are paying off a balance transfer promotion over a number of months.
If you're struggling to repay an existing debt because of high interest rates, you may want to consider comparing 0% balance transfer credit cards to pay it off with no interest for an introductory period.
Your P&N Bank credit card statement will show you the different ways you can pay your credit card. You can make a repayment to a P&N Bank credit card the following ways:
- At Australia Post. Use cash or EFTPOS to pay your P&N Bank credit card at an Australia Post retail outlet using the Bank@Post facility.
- At a branch. Pay your credit card by visiting your local P&N Bank branch using cash or EFTPOS.
- BPAY. Make a payment to your P&N Bank credit card using BPAY. Access BPAY payments from your non-P&N Bank online banking facility. The customer reference number is your 16-digit P&N Bank credit card number and the BPAY biller code is displayed on your credit card statement. Once the payment is complete, you’ll receive a confirmation of the transaction with a receipt number for your personal records.
- From another bank account. Elect to carry out an Electronic Funds Transfer from the online banking facility of another financial institution. You’ll need the BSB and account number, which is displayed on your credit card statement.
P&N Bank platinum credit card account holders are eligible to receive complimentary international travel insurance when at least $500 of pre-booked overseas transportation costs, accommodation costs or tour costs have been charged to the account. This includes any additional fees or charges.
Cover is extended to all platinum cardholders who are under the age of 90 when the pre-booked costs are charged to the account. Cardholders over the age of 75 are eligible for a reduced cover. Check the policy document for information about the benefits available to platinum account holders over the age of 75.
To make a claim, contact Chubb Insurance.
You can request an additional cardholder to your account when you first apply for the credit card or you can do it after you’ve applied by completing and sending in an additional cardholder request form.
If the nominated additional cardholder is not an existing member of P&N Bank, they will need to become a member first. This means they have to verify their identity with the bank before the additional cardholder application can be processed.
- Additional cardholders must be over the age of 16.
- Any spending on the additional card is the primary cardholder's responsibility.
- Each supplementary card has its own PIN and unique card number.
- Transaction information for additional and primary cards is displayed on the same credit card statement. The transactions are itemised according to the account number.

Image: P&N Bank

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Sally McMullen

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

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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P&N Bank Credit Cards

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

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