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Getting started

You can apply for a credit card online, over the phone or in branch.
 
To apply online, simply complete the online application form and you'll get a response in minutes. Then, upload your supporting documents and track your application. It’s quick and painless with our easy-to-use Loan Tracker.
 
You can also apply in person or over the phone. Speak with our team by calling 13 25 77 or pop into your nearest branch.
 
 

To apply for a credit card online, over the phone or at one of our branches it will help to be prepared with the following information:

  • Two forms of ID (Australian driver's licence, Australian passport or Medicare card).
  • Proof of your income (a pay slip or tax return).
  • Information about your regular expenses (e.g. rent, general living expenses, insurance etc.).
  • Information about any assets you own (e.g. value of any cars, deposit accounts, properties, etc.).
  • The details of any loans, other credit cards or amounts you owe.

If you have any questions or would like to speak to lending specialist to discuss your needs please call us on 13 25 77, or visit your nearest branch.

Apply online

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.

It can be easier to manage multiple balances from other bank or store cards by combining them into one. You'll then only have one statement and one monthly payment due.
 
When consolidating debts it's worth considering whether a credit card or a personal loan is the most suitable product for you.
 
If you'd like to speak with a lending specialist to discuss your needs, please call us on 13 25 77.
 

The Visa Platinum Credit Card has benefits provided through Visa Premium that range from special lifestyle, entertainment and travel privileges to 24/7 concierge services.

The card also comes with a range of complimentary insurance plans and a warranty on purchases made using your card.

Learn more about the complimentary insurance plans (PDF, 397 kB)

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 might be 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.

If you have submitted a personal loan, car loan or credit card application online we'll aim to respond to you within one business day.
 
You can upload requested documents and track the status of your loan application online - Track my loan application.
 

If you have started an application for a personal loan, car loan, or credit card online and have saved it, you can resume it at any time.
 
You should have received an email containing a link to resume or manage your application to your nominated email address.
 
If you have lost the email we sent, you can resume or track your application from our website - Track my loan application.
 

Card use & repayments

The quickest way to report your card as lost or stolen is by using the mobile app or internet banking. To report your card as lost or stolen:

  • Log in to internet banking or the mobile app, and go to Manage Cards.
  • Select the card you need to report as lost or stolen and follow the prompts to cancel your card.

If you have an eligible card, you can reorder a new card at the same time which can then be added to your digital wallet. You'll be able to use this until your new card arrives in the mail.

Alternatively, call us on 13 25 77 or visit your nearest branch.

Outside business hours?

To report a card as lost or stolen outside of business hours, please call 1800 648 027, or if you're overseas call +61 2 8299 9101.

You can use card controls in internet banking or the mobile app to block international ATM, in-store, payWave and online purchases.

Go to Manage cards, select your card, and choose Card controls. Then simply update the international setting.

The currency that your transaction is processed in determines whether the transaction is categorised as an international transaction. For example, a withdrawal from a cash machine in Bali would be classed as an international ATM transaction, as you withdraw the funds in Indonesian Rupiah.

Learn more about card controls

Yes, you can withdraw cash using your credit card.

Be mindful that there is a cash advance fee of $5.00 per withdrawal, there is no interest-free period on cash advance transactions, and the interest rate is higher than on a purchase transaction.

Your P&N Bank credit card can be used anywhere overseas that accepts Visa - that’s over 40 million merchants and 2.5 million ATMs globally. 

Your transaction will be charged at the Australian dollar equivalent of the foreign currency amount. The exchange rate will be determined by Visa from the range of rates available in wholesale currency markets on the processing date, or the government mandated rate that is in effect at that time.

View credit card fees and charges.

Important! You must notify us if you're travelling overseas to ensure the security of your card. You can let us know in the mobile app by going to 'Overseas travel' from the main menu. Alternatively, you can send us a secure message from internet banking, or call 13 25 77 and one of our friendly team will be happy to assist.

Credit card statements are issued monthly for transactions from 15th of the previous month up to and including the 14th of the current month, with payments due on or before the 28th of the same month.

The minimum repayment due on your credit card is 3% of your outstanding balance as at the 14th of the month or $10.00, whichever is the greater. 

The actual amount due and the due date will be displayed on your credit card statement which can be viewed as an eStatement in internet banking, and can also be found in the mobile app.

Annual credit card fees are charged at the end of the month of account opening, then every year each anniversary at the end of the month.

It's easy to set up a credit card payment reminder alert in the mobile app. Go to Settings > Alerts > Push notifications.
 
First, tap on the cog icon top right of the screen and make sure you have push notifications switched on, then on the General alerts screen select payment due.

 

All purchases made on your card in foreign currency whether online or in person will be converted into Australian currency. We will use an exchange rate selected by Visa from the range of rates available in wholesale currency markets on the processing date, or the government mandated rate that is in effect at that time. 

For more information please refer to the Visa Credit Card Conditions of Use.

If you’re having trouble meeting your next home loan, personal loan or credit card repayment please call us on 13 25 77 or visit your nearest branch during business hours and we’ll connect you with a team member who can help. 

We’ll work with you to come to an agreement based on your personal circumstances and may be able to offer you financial hardship assistance during this period.

Manage my credit card

You’ll need to speak with a lending specialist to apply for an increase to your credit card limit.
 
Call us on 13 25 77 to apply over the phone, or visit your nearest branch.
 
 
 

You can request to reduce your credit card limit by completing our online form

Alternatively, you can request a decrease in internet banking or our mobile app. Go to Manage Cards > Select your card > Reduce limit and follow the prompts.

Reduce credit card online limit form

 

 

You can request to cancel your credit card limit and close your account by completing our online form.
 
Alternatively, you can request to cancel your credit card limit in internet banking or our mobile app. Go to Manage Cards > Select your card > Cancel card and follow the prompts.
 

When your card is due to expire, we'll automatically send you a replacement card close to the expiration date of your existing card.

If you haven't received your replacement card within 2 weeks of the expiry date, please call 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.

If you're applying for a new Visa Credit card or have an existing Visa Credit card with P&N Bank, you can apply to add an additional card holder to your account.

1. Confirm membership - an additional card holder must be a member with P&N Bank.  

You can apply for membership by opening a deposit account online, by calling 13 25 77 or by visiting a branch. If applying online you will need to provide two of the following identification documents - passport, driver's licence or Medicare card - so that we can verify your identity.

2. Complete and sign form - the account holder will need to complete and sign the Visa Credit Card Additional Cardholder Request form. The additional card holder must also sign the form.

3. Return the signed form - the account holder should return the form to a P&N Bank branch, or if you cannot get to a branch during business hours, you can return the document via Secure Mail in Internet Banking. If returning via Secure Mail we will contact you by phone to confirm your request as the authorised signatory.

4. Account authority - we’ll process your request as quickly as possible, set up the account authority for the additional card holder, and advise when your additional card is on it’s way.

If you have any queries, please don’t hesitate to contact us on 13 25 77.

You can use card controls in internet banking and the mobile app to block certain types of card transactions, and help keep your card safe.

  • In internet banking go to Services > Manage Cards.
  • In the mobile app go to Manage Cards then follow the on screen prompts.

You can block the following card transactions for both Australian and international transactions:

  • In-store purchases – where you physically use your card and enter your PIN.
  • ATM withdrawals – cash withdrawals made with your card and PIN at an ATM.
  • Tap and go – purchases made by tapping your card at a point of sale terminal. Also known as payWave or contactless payments.
  • Online purchases – purchases made online or over the phone using your card details.
  • Digital wallet – card purchases made using a digital wallet such as Apple Pay, Google Pay™ or Samsung Pay, at a point of sale terminal, app or website.

To block a transaction type, slide the control to the left (grey). To allow the transaction type, slide the control to the right (green).

If you don't have access to internet banking, call us on 13 25 77 or visit your nearest branch and we'll be happy to help.

You can change your card PIN in the mobile app or internet banking.

  • In internet banking go to Services > Manage Cards.
  • In the mobile app go to Manage Cards, then follow the on screen prompts.

Alternatively, if you have forgotten your existing PIN, please visit one of our branches with your identification, and one of our friendly team will be happy to assist.

If you've misplaced your card, or left it somewhere by mistake, you can place a temporary lock on your card while you look for it. 

The temporary lock can be applied in internet banking or the mobile app, and will restrict all transactions on your card except for regular recurring withdrawals such as direct debits, and digital wallet transactions.

  • In internet banking go to Services > Manage Cards.
  • In the mobile app go to Manage Cards from the main menu. 

To put a temporary lock on your card choose your card and tap or click the lock icon. 

Alternatively you can contact us on 13 25 77, use webchat, or visit your nearest branch and we can put a lock on your card for you.

Credit reporting

Your credit report shows how many times you’ve applied for credit and which loans you've opened and your history of making repayments, any defaults, and how much debt you currently have. This is very important information as it tells the new credit provider how you’ve treated those debts, which gives an indication about how you’re likely to treat the new debt.

It includes information that is needed to identify you - name; birth date; and recent addresses; current or last known employer’s name; driver’s licence number (if you have one).

Your credit report helps us determine your suitability for credit (loan) products, like home loans, personal loans or credit cards. When you apply for a home loan, personal loan or credit card with us we will check your credit report. We will also record your application for credit.

You can access your own credit report using the credit reporting bodies outlined on the CreditSmart website.

Your credit score is a summary of your credit report. It’s a number that indicates how healthy your credit report is – generally, the higher the number, the better you’re managing your credit. Your credit score can change as well, and under Comprehensive Credit Reporting (CCR), things like on-time repayments will positively affect your score.

There are a number of ways to find out your credit score, however the score that matters for your next credit application may depend on which reporting body the credit provider uses.

You can find out more about obtaining your credit score on the CreditSmart website.

Comprehensive credit reporting (CCR) was introduced in Australia to provide a more complete picture of your credit history. 

Under CCR, financial institutions are sharing additional information which forms part of your credit report, providing a more in-depth view of your credit history. This information includes the type of accounts you hold, when they were opened, your credit limit(s), and up to 24 months of your repayment history – including payments made on time.

If you make your repayments on time, your credit score will reflect your good payment behaviour. This means lenders may look at this information more favourably if you have requested credit. If you’ve had difficulty in the past making repayments on time, but are now back on track, this will be considered in your loan application and may impact your ability to obtain credit.

Find out more about comprehensive credit reporting.

Your information is protected by the Privacy Act 1988 and the Privacy Amendment (Enhancing Privacy Protection) Act 2012, and the information we can share is mandated by the Australian Securities and Investment Commission.

We will share comprehensive credit information with other banks and lenders. The 'big four' banks are currently participating, with other financial institutions progressively coming on board.

Find out the credit reporting bodies we use

In Australia, everyone has the right to one free credit report per year from each of the three main credit reporting bodies. These reports include the information that credit providers see when you apply for a loan or credit, so it’s important to check each report for any errors. 

It's worthwhile getting a copy of your credit report before you apply to borrow money or buy something on credit, if you're eligible to. Checking your own credit report has no impact on your credit report or credit score when viewed by a credit provider.

You can access your credit report from the following organisations:

If you want to access your credit report more than once per year you can also choose to pay for an additional one from some of these organisations.

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.