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Effective 21 June 2023

Download Visa Classic Fact Sheet

Key facts about this classic credit card

This information sheet is an Australian Government requirement under the National Consumer Protection Act 2009.

Description of credit card

Product name P&N Bank Visa Classic
Minimum credit limit $1000
Minimum repayments 3% of the closing balance or $10.00, whichever is the greater
Interest free period Up to 45 days interest free on purchases only
Interest on purchases 11.99% p.a.
Interest on balance transfers 11.99% p.a.
Interest on cash advances 19.99% p.a.
Annual fee $49.00
Late payment fee $5.00

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from

For more information on choosing and using credit cards visit the ASIC consumer website at

The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting or by contacting us on 13 25 77.

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Call us on 13 25 77 or chat to us online.

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