BSB 806 015

To give you the best possible experience, this site uses cookies. Learn more about cookies.

BSB 806 015

Simple Visa Credit Card

Credit Card linked to the Simple Home Loan with a low variable purchase rate that matches your Simple Home Loan rate.

Low variable rate

On purchases

Interest free

Up to 45 days

Minimum credit limit


The Simple Visa Credit Card is a low rate credit card with a purchase interest rate that matches the Simple Home Loan. 

  • Low variable purchase rate - that matches the Simple Home Loan rate.
  • No account or annual fees - for as long as you hold the Simple Home Loan.
  • Tap and pay with your compatible mobile phone - using Apple PayGoogle PayTM or Samsung Pay a smarter way to pay.
  • Easier cashflow management - up to 45 days interest-free on purchases.
  • Globally recognised - access to your funds whenever Visa is accepted.
  • Wave and go - Visa payWave allows you to pay faster with less hassle.
  • Peace of mind - your card is protected by Visa Zero Liability and Verified by Visa which protect you against fraudulent transactions.
  • Minimum Credit Limit - $1,000

Interest rates

Product Name Purchase Rate
Cash Advance Rate
Balance Transfer Rate
Simple Visa Credit Card 6.97% p.a. 19.99% p.a. 6.97% p.a.
Annual fee$0
Cash advance (domestic and overseas)$5
Replacement of lost card$10
Urgent VISA card$50
Overseas emergency replacement

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

6.97 % p.a. Purchase Rate

To use this website you are required to read the Credit Guide (which you agree to be provided by accessing this link). Lending criteria applies. Terms and conditions apply and are available on request. Rates stated are subject to change without notice. Fees and charges are payable.

View Simple Visa Credit Card Fact Sheet

View Credit Card Conditions of Use

View Credit Card Account Access Conditions of Use

Rates stated are subject to change without notice. Fees and charges are payable. Lending Criteria applies to the approval of credit products and Terms and Conditions are applicable which are available on request.

The Simple Visa Credit Card is only available to Simple Home Loan holders. During any period in which a Simple Home loan is not held, the interest rates and fees applicable to the Simple Visa Credit Card will be the P&N Bank Visa Classic Card interest rates and fees. Only one Simple Visa Credit Card is allowed per member.

We'd like to use your current location

For a more localised experience please enter your location below...


Set your location for a more localised experience.