P&N Bank
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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 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
Purchase rate p.a.
Bonus points
Points per $ spent
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
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
Purchase rate p.a.
Bonus points
Points per $ spent
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
More Info
Offers a range of insurance plans, access to the Visa 24/7 concierge and other lifestyle and entertainment perks through Visa Premium.

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.

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 Perks + Offers. 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.

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.

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