In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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P&N Bank Platinum Visa Credit Card

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P&N Bank Visa Platinum Credit Card
Terms and conditions apply
Balance transfer rate with no balance transfer fee
11.99% p.a.
Purchase rate
11.99% p.a.
Annual fee
$99 p.a.
Interest-free on purchases
Up to 45 days

Our verdict

Get a competitive 11.99% p.a. variable interest rate for purchases, as well as platinum perks.

The P&N Bank Platinum Visa combines the benefits of both a low rate for purchases and platinum extras. This card’s 11.99% p.a. variable interest rate is competitive among low rate cards and applies to both purchases and balance transfers.

Pros

  • Charges a low variable rate of 11.99% p.a.
  • Comes with complimentary insurance covers and concierge services

Cons

  • Only offers up to 45 days interest-free on purchases

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The P&N Bank Platinum Visa credit card has a $99 annual fee and gives you access to a a comprehensive complimentary insurance package and a 24/7 platinum concierge service. It also offers up to 45 days interest-free on purchases when you pay your balance in full by the due date on each statement.

Details

Product details

Product Name P&N Bank Visa Platinum Credit Card
Balance transfer rate p.a. 11.99%
Purchase rate p.a.
Purchase rate p.a.
11.99%
Interest-free period
Up to 45 days on purchases
Cash advance rate p.a. 19.99%
Min credit limit $6,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$99
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $5
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee $5
Overseas cash advance fee $5
Additional cardholder fee $0

How to apply

You can apply in person by visiting your nearest P&N Bank branch, you can speak to a P&N Bank lending specialist over the phone or you can apply online. For quicker processing, make sure you meet the following eligibility criteria and have all the relevant details and documents on hand:

Eligibility criteria

  • Age. You must be at least 18 years old to apply.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Low rate. While most platinum cards tend to charge high interest rates, this platinum card charges a competitive variable rate of 11.99% p.a. This rate applies to purchases as well as cash advances, and if you have balances rolling over from one month to the next, you can save on your interest repayments.
  • Complimentary insurance covers. When you make a purchase using this card it receives protection through complimentary purchase security insurance as well as extended warranty insurance. When you book travel tickets using this card, you receive complimentary interstate flight insurance, overseas travel insurance, and transport accident insurance.

Rates & fees

  • Annual fee. P&N Bank Platinum Visa cardholders have to pay an ongoing annual fee of $99.
  • Interest-free days. If you pay your card's outstanding balance in full before every due date you can get as many as 45 interest-free days on purchases.

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