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 for a P&N Bank credit card
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
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:
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 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.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024.
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