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Low interest rates

Low variable rate on purchases and balance transfers.

Interest free

For up to 45 days on purchases.

Pay with your phone

Using Apple Pay, Google Pay or Samsung Pay.

Apply online

Complete your application online for a response in minutes.

Choose the credit card that's right for you

Visa Classic

An affordable, no-frills credit card, ideal for people who value simplicity and a low interest rate.

11.99
% p.a.
Purchase rate
  • $49 annual fee
  • $1,000 minimum credit limit
  • Platinum benefits

Visa Platinum

Our low rate credit card with the frills. Included are a suite of insurance plans and platinum services.

11.99
% p.a.
Purchase rate
  • $99 annual fee
  • $6,000 minimum credit limit
  • Platinum benefits

Even more reasons to apply for a credit card

Leave your credit card at home

Sick of bulky wallets? Pay with your phone using your digital card.

Digital banking options

All you need to know about P&N Bank's digital banking services, such as internet banking, mobile app, mymo budgeting app, instant digital cards and more.

Quick and easy to apply online

Looking to apply for a credit card online? P&N Bank make the application process fast and easy. See what to expect, items to have handy and if you're eligible.

What's the credit card application process like?

Apply for your credit card online

You can even upload your ID and supporting documents with our application portal, Loan Tracker.

Assessment and approval

You’ll get an instant response, and we’ll get in touch if we have any questions or require any more information.

Sign on the dotted line

It’s time to sign your credit card contract. We can send it to you electronically, or you can sign it at your local branch.

Your credit card is ready!

Now that your account and limit is set up, your card is on the way. Happy spending! And happy saving with our simple, low-rate credit cards.

How to apply for a credit card

We’ve made applying for a credit card easy as.

Apply online, 24/7

Complete your details, save and submit your application, upload your supporting documents and track your application. 

Apply for a credit card

If you’re an existing customer you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.

Apply in person or over the phone

Talk to a lending specialist and apply over the phone by calling our local contact centre on or pop into your nearest branch.

Applying for a credit card is quicker and easier when you've got the information you need, so be prepared with your:

  • Identity documents – primary photo ID either your passport or driver's licence.
  • Employment details – contact details of your current, and previous employer if less than 2 years.
  • Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
  • Regular expenses – such as food, rent, electricity, telco, insurance & medical costs.
  • Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
  • Liabilities – the details of any loans, credit cards, pay later or other debts you have.

Got everything? Let’s get your application started.

Start my credit card application

Apply online. It’s quick and easy.

Complete, save, submit and track your application with Loan Tracker.

Apply on the phone or in person

Call us on 13 25 77 or talk to the team at your nearest P&N branch.

International travel card

If you're looking for a card for international travel, look no further than the Cash Passport.

Important information

Banking and Credit products issued by Police & Nurses Limited (P&N Bank).

Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.