P&N Bank Visa Classic

Cut costs with a competitive interest rate and low annual fee with the P&N Bank Visa Classic credit card.

The P&N Bank Visa Classic credit card is suited to people who want to cut standard card costs with a low interest rate and annual fee. This card charges a 11.31% p.a. purchase rate and you can access up to 45 interest-free days on purchases when you pay your balance in full.

11.31% p.a.

Balance transfer rate

11.31% p.a.

Purchase rate

$49 p.a.

Annual fee

45 days

Interest free period

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Product NameP&N Bank Visa Classic Credit Card
Balance transfer rate11.31% p.a.
Purchase rate11.31% p.a.
Annual fee$49
Interest-free periodUp to 45 days on purchases
Cash advance rate19.99% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • Low variable rate of 11.31% p.a. on purchases and balance transfers
  • Low annual fee of $49
  • Protected against fraudulent transactions with Visa Zero Liability and Verified by Visa


  • Only up to 45 days interest-free on purchases
  • Not linked to any rewards program
Bonus pointsN/A
Annual fee$49
Minimum monthly repayment3% of the closing balance outstanding
Late payment fee$5
Foreign currency conversion fee3%
Cash advance fee$5
Overseas cash advance fee$5

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The P&N Bank Visa Classic credit card is suited to people who prefer low rates and fees over extra features. This card offers two ways to save with a low purchase rate and competitive annual fee. You can also access up to 45 interest-free days on purchases. If you regularly pay your balance in full each statement period, you might benefit more from a card that offers up to 55 or 65 interest-free days on purchases.

How to apply

You can apply for the P&N Bank Visa Classic credit card online in 10 to 15 minutes if you reside in Western Australia or are an existing P&N Bank member. Before you start your application, check if you meet the eligibility criteria and have the necessary information.

Eligibility criteria

  • Residency. You can only apply if you’re an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • Mobile wallets. You can link your card with Apple Pay, Samsung Pay and Google Pay to use your eligible smartphone or wearable device to tap and pay wherever contactless payments are accepted.
  • Visa perks. This card is accepted at millions of locations wherever Visa is accepted. You can also take advantage of exclusive travel, entertainment and lifestyle deals and discounts through Visa Offers + Perks.

Rates & fees

  • Annual fee. This card charges a $49 annual fee.
  • Purchase interest rates. Your purchases will attract a low interest rate of 11.31% p.a.

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