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Low purchase rate

Competitive variable interest rate for purchases and balance transfers.

Up to 45 interest-free days

When you pay off your balance in full every month.

The world in your pocket

Accepted by millions of merchants worldwide.

Low minimum credit limit

Your choice – credit limits from $1,000.

A credit card that keeps it simple

If you’re looking for a no frills, low-cost credit card that’s easy to use, the Visa Classic Credit Card could be the right fit. With a minimum credit limit of $1,000, it's a great option for first time credit card holders, or if you just want to keep your spending habits under control. Maybe you’re looking for a “just in case” credit card. Whatever your reasons, look no further.

You can apply for a Visa Classic Credit Card online and get a response in minutes. Or chat with our friendly team in Perth to apply over the phone or in-branch.

All your access needs covered

  • Minimum credit limit $1,000.
  • Minimum repayment at just 3% of your balance or $10.00, whichever is the greater.
  • Up to 45 days interest free when you pay off your statement balance owing by the due date each month.
  • Explore the world, or your own backyard. Your Visa Classic Credit Card is accepted by millions of merchants worldwide.
  • Make local or overseas purchases online and in-store using your Visa Credit card, including payWave.
  • Tap and pay securely with your smartphone using Apple Pay, Google Pay™ or Samsung Pay.

Peace of mind wherever you go

  • Take control with card controls. Block transactions such as online, overseas or Visa payWave.
  • Lost your card? Lock it temporarily while you look for it, or cancel it online and request a new one – you’ll get a new digital card instantly.
  • Shop with confidence knowing you’re covered by Visa's Zero Liability policy and Verified by Visa. No worries about fraudulent transactions here.
  • 24/7, around-the-world emergency support and assistance, including emergency cash.

Rates & fees

Low fees. Great rates. Great for balance transfers too.

Interest rates

Purchase rate Cash advance rate Balance transfer rate
11.99% p.a. 19.99% p.a. 11.99% p.a.

Fee type
Annual fee $49.00
Cash advance (domestic & overseas) $5.00
Card replacement - standard $10.00

Other fees & charges that apply to all of our accounts can be found on our fees and charges page.

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

We're here to help

Talk to us

Whether you’d prefer to chat to us over the phone, in person, or online, you can get in touch.

Find a branch

We’ve got branches all over the Perth region, and as far south as Bunbury.

Get answers online

We’ve got heaps of info and answers to your questions in our comprehensive help centre.

Your credit card questions answered

To avoid paying interest on your credit card purchases, you'll need to pay off the balance, as it stands on the 14th of the month, in full by the 28th of the month. That effectively gives you up to 45 days interest-free for purchases made from the 15th of the previous month to the 28th of the current month.

Cash advances are different as there is no interest-free period on them. So, if you withdraw funds from an ATM or transfer funds out of your Visa account, then interest will accrue from the date of the transaction.

This really depends on the why you're applying for credit. A credit card is a great way to make everyday purchases (interest-free, if you clear your balance every month) and manage your cash flow. But it may not be the best option if you’re making a larger purchase that will take longer to pay off, as the interest rate on a credit card is usually higher than an interest rate on a personal loan. 

So, if you’re buying a car, boat or caravan, or if you’re looking to pay off, refinance or consolidate existing debts, a personal loan is a better choice. 

If you’re unsure which option is right for you, speak with one of our lending specialists on 13 25 77 or visit your nearest branch.

You can apply for a credit card with P&N Bank to pay out an existing credit card with another bank or lender. This could help you better manage your repayments if you're moving to a lower interest rate.

You can apply online, over the phone or at your nearest branch. 

Find out more about applying for a credit card.

If you're unsure about a transaction that appears on your credit card account or statement, it’s helpful if you first follow a few simple steps to check whether the transaction is in fact unauthorised.

Sometimes valid transactions can appear in a different name, date or even amount. 

When you're certain you wish to dispute the transaction, please contact us on 13 25 77 or via secure messaging with the transaction dispute details.

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.