P&N Bank Platinum Visa Credit Card

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Who else wants a platinum card that charges a low variable rate and offers a bunch of extras?

The P&N Bank Platinum Visa Credit Card is a platinum card with a difference, given that it charges a low variable rate. The low rate applies to purchases and cash advances, and you can also get up to 45 interest-free days on purchases. Cardholders get 24/7 access to a platinum concierge service as well as a comprehensive insurance package.

11.49% p.a.

Balance transfer rate

11.49% p.a.

Purchase rate

$99 p.a.

Annual fee

45 days

Interest free period


Product NameP&N Bank Visa Platinum Credit Card
Balance transfer rate11.49% p.a.
Balance Transfer Revert RateCash Advance Rate (19.99% p.a.)
Purchase rate (p.a.)11.49% p.a.
Annual fee$99 p.a.
Interest free period45 days
Cash advance rate (p.a.)19.99% p.a.
Min credit limit$6,000
Card typeVisa
Complimentary travel insuranceYes
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • charges a low variable rate of 11.49% p.a.
  • comes with complimentary insurance covers and concierge services


  • Only offers up to 45 days interest-free on purchases
Annual fee$99 p.a.
Minimum monthly repayment3% of the closing balance outstanding
Late payment fee$5
Cash Advance Fee$5

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. Establish if you meet the following application criteria before you begin your application:

Eligibility criteria

  • You're at least 18 years old.
  • You are an Australian citizen or permanent resident, and have a Western Australia mailing and residential address.

Card benefits

  • Low rate. While most platinum cards tend to charge high interest rates, this platinum card charges a competitive variable rate of 11.49% 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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