We have low credit cards rate for your purchases, with two options – Visa Classic & Visa Platinum. Find out more & choose the credit card that is right for you.
If you’re looking for a low rate credit card, choose our Visa Classic credit card. You’ll enjoy all the flexibility of a Visa card, combined with a low annual fee, low interest rates on purchases with an interest-free period to help you manage your account.
- Low variable rate - take advantage of a great interest rate on purchases.
- Low annual fee - make the most of an ongoing low annual fee of $49.
- Easier cashflow management - up to 45 days interest-free on purchases.
- Best of both worlds - access to your linked savings account on the same card.
- Globally recognised - access your funds wherever Visa is accepted.
- Tap and go - Visa payWave allows you to pay faster with less hassle.
- Tap and pay with your mobile phone - using Apple Pay, Google PayTM or Samsung Pay a smarter way to pay.
- Card Controls - manage how you can use your card or put a temporary lock on your card while you look for it. Easily turn on or off features like online transactions, overseas purchases and even Visa payWave.
- Minimum repayment at just 3% of your balance - and you can pay more at any time. Pay off your balance in full each month to take advantage of the interest free period.
- 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
Cash Advance Rate
Balance Transfer Rate
|P&N Bank Visa Classic||11.31% p.a.||19.99% p.a.||11.31% p.a.|