BSB 806 015

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

×
BSB 806 015

Credit cards

We have a low credit card rate for your purchases, with two options – Visa Classic and Visa Platinum. So whether you want a 'no frills' option or platinum benefits, you can choose the credit card that's right for you.

Credit cards that keep it simple

Reset

Product name

Purchase interest rate (Variable)

Overview

Minimum credit amount

Cash advance interest rate (Variable)

Balance transfer interest rate (Variable)

Special offers

Annual fee

Interest free days

Additional cardholders

Extra benefits

Cash advance fee

Replacement of lost card

 

11.31 % p.a. Purchase interest rate (Variable)

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

Minimum credit amount

$1,000

Cash advance interest rate (Variable)

19.99% p.a

Balance transfer interest rate (Variable)

11.31% p.a

Special offers

Annual fee

$49

Interest free days

Up to 45

Additional cardholders

Extra benefits

Cash advance fee

$5

Replacement of lost card

$10

Remove

11.31 % p.a. Purchase interest rate (Variable)

An affordable low rate credit card with a suite of insurance plans and Platinum services.

Minimum credit amount

$6,000

Cash advance interest rate (Variable)

19.99% p.a

Balance transfer interest rate (Variable)

11.31% p.a

Special offers

Annual fee

$99

Interest free days

Up to 45

Additional cardholders

Extra benefits

Access to a range of insurance plans, access to Visa Platinum Concierge service and access to special lifestyle, entertainment and travel privileges through visapremium.com.au.

Cash advance fee

$5

Replacement of lost card

$0

Remove

You'll also enjoy

  • Interest free days - both our Visa Classic and our Visa Platinum credit cards have interest free periods of up to 45 days.
  • Secure transactions - our Visa credit cards are covered by Visa Zero Liability and Verified by Visa, which protect you against fraudulent purchases both in store and online.
  • Platinum benefits - our Visa Platinum card gives you access to a range of extra features and benefits, such as complimentary insurance, a Visa Platinum Concierge service, and special lifestyle, entertainment and travel privileges.

Want an even lower rate?
Our popular Home Loan & Bag features optional extras including a Visa Platinum Credit Card with all the platinum benefits, plus a purchase rate that matches the low & Home Loan rate.

Hints & tips
If you need tips on budgeting or a range of helpful articles on how to get the most from your money, check out our How to section.

 
Ready to apply or want to find out more?

Apply online today or call us on 13 25 77 8am - 6pm Mon - Fri and 9am - 5pm Sat (AWST)

Call 13 25 77

  

Frequently asked questions

  • Can I transfer the balance of my credit card from another bank?

    We can pay out your credit card balance from another financial institution and transfer the balance owing to your P&N Bank credit card. This allows you to better manage your repayments with a lower interest rate. You don't have to pay out your current credit card before applying for your new credit card with P&N Bank.

    Alternatively, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

    More information on credit cards.

  • How do I change my credit card limit or credit card type?

    To change your credit card type or credit limit, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.

    You can also request for your Visa Credit card limit to be reduced in Internet Banking or the Mobile App. To do this, go to Manage Cards, select your credit card and follow the prompts to request for your limit to be reduced.

  • Why am I paying interest on my credit card? I always pay it out.

    If you withdrew funds from an ATM or transferred funds out of your Visa account that resulted in it falling below its contracted limit, then interest will accrue from the date of the transaction. There is no interest free period on any cash advance transactions.

    For purchases, as long as we receive payment of the full outstanding balance as of close of business on the 14th of the month, and it is paid between the 15th and the 28th day of that same month, your credit card should remain interest free.

Not what you're looking for?

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

View Visa Classic Credit Card Fact Sheet

View Visa Platinum 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.

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.

×