BSB 806 015

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BSB 806 015

& Visa Platinum

A credit card with Platinum benefits available exclusively to & Home Loan and & Home Loan Intro Rate holders.

Low interest rate

Available with an eligible home loan

Interest free

Up to 45 days

Platinum benefits

Complimentary insurance plans

No annual fee


A credit card with Platinum benefits and complimentary insurance plans at the same low rate as our & Home Loan – available exclusively to & Home Loan and & Home Loan Intro Rate holders.

  • Convenient ways to pay - using Visa payWave, or pay with your mobile phone using Apple PayGoogle PayTM or Samsung Pay
  • Card Controls - manage how you use your card. You can easily put a temporary lock on your card if you misplace it, turn on or off the ability to make online transactions or overseas purchases, or even use Visa payWave.
  • Minimum repayment - at just 3% of your closing balance or $10.00, whichever is the greater.
  • Interest free period - take advantage of the interest free period by paying off your balance in full each month.
  • Peace of mind - your card is protected by Visa's Zero Liability policy and Visa Secure, so you can shop confidently knowing you're protected against fraudulent transactions.
  • Minimum credit limit - $6,000.

Your & Visa Platinum Credit card includes access to:

  • Complimentary insurance plans - overseas travel, interstate flight, extended warranty, purchase security and transport accident insurance are all covered on purchases made using your Visa Platinum Credit card.
  • Plenty of perks - access to special lifestyle, entertainment and travel privileges through Visa Premium.
  • Misplaced your card? - We'll replace it free of charge anywhere in the world so you'll always have access to your account.
  • Ready when you are - access to Visa Platinum Concierge Service 24/7.

Terms and conditions may apply.

Limitations and exclusions apply to the concierge services.

Interest rates

Product Name Purchase Rate
Cash Advance Rate
Balance Transfer Rate
& Visa Platinum 7.22% p.a. 19.99% p.a. 7.22% p.a.

& Visa Platinum fees & charges

Annual fee$0
Cash advance (domestic and overseas)$5
Replacement of lost card$0
Urgent VISA card$0
Overseas emergency replacement

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

Interested in the & Visa Platinum Credit card?

This product is only available to new or existing & Home Loan and & Home Loan Intro Rate holders.

It’s easy to apply for an & Visa Platinum Credit card with P&N Bank. Simply get all your details ready and choose how to apply.

How to apply

Apply online

Complete, save and submit your credit card application online, and receive a response within minutes. You can even upload any required documents using Loan Tracker. 

In person

Apply for a credit card in person at your nearest branch. Make sure to bring all the documents you need with you.

Over the phone

Call us on 13 25 77 and one of our friendly loan consultants will help you with your personal loan application.

What you need

You’ll need two forms of identification – you can use your Australian driver's licence, Australian passport or Medicare card.

During your application we’ll ask you to provide information, such as:

  • your income
  • regular expenses (e.g. rent, general living expenses, insurance etc)
  • any assets you own (e.g. value of any cars, deposit accounts, properties, etc)
  • any loans, credit cards or other amounts owing 

7.22 % 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 apply. Terms and conditions apply and are available on request. Rates stated are subject to change without notice. Fees and charges are payable. Target Market Determinations (TMDs) are available for products.

View & Visa Platinum Credit Card Fact Sheet

View Credit Card Conditions of Use

View Credit Card Account Access Conditions of Use

The complimentary insurance plans are issued to Cuscal Limited ABN 95 087 822 455 AFSL 244116 by Chubb Insurance Australia Limited ABN: 23 001 642 020; AFSL: 239687 for the benefit of P&N Bank cardholders. The terms and conditions of the complimentary insurance plans for the P&N Bank Platinum VISA credit card are specified in the applicable Policy Information Booklet. Cover is available under the insurance plans for purchases using a current P&N Bank Platinum VISA credit card. The complimentary insurance plans are not a product of, nor guaranteed by P&N Bank.

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