P&N Bank Credit Cards

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

Product	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. 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	Offers a low 11.99% p.a. purchase interest rate and a low minimum credit limit of $1,000 on a no-frills Visa card.	ContinueMore info Compare	loading Fetching your data...
P&N Bank Visa Platinum Credit Card	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	Offers a range of insurance plans, access to the Visa 24/7 concierge and other lifestyle and entertainment perks through Visa Premium.	ContinueMore info Compare	loading Fetching your data...

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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.

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:

• Bankwest credit cards
• Bank Australia credit cards
• Heritage Bank credit cards

Frequently asked questions

• Can I transfer my credit card debt to a P&N Bank credit card?

  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.

• How can I make a repayment on my P&N Bank credit card?

  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.

• How do I activate the travel insurance on my P&N Bank platinum credit card?

  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.

• How do I get an additional Visa card?

  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.

Contact details and related links

• Contact number: 13 25 77
  8am-6pm (WST) Mon-Fri, 9am-5pm Sat
• P&N Bank home loans
• P&N Bank accounts

Compare other products from P&N Bank

• P&N Bank home loans
• P&N Bank savings accounts
• P&N Bank term deposits

Image: P&N Bank

Written by

Amy Bradney-George

Journalist

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. See full bio

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