BSB 806 015

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BSB 806 015

P&N Bank Visa Classic

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

Interest rate

Low variable rate on purchases

Low annual fee

Only $49

Apply online

Response in minutes

Interest free

For up to 45 days

If you’re looking for a low rate credit card, look no further than our Visa Classic. You’ll enjoy the flexibility of a Visa card with a range of features to suit you.

  • Quick and easy online application - get a response within minutes.
  • 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 Verified by Visa, so you can shop confidently knowing you're protected against fraudulent transactions.
  • Minimum credit limit - $1,000.

Interest rates

Product Name Purchase Rate
Cash Advance Rate
Balance Transfer Rate
P&N Bank Visa Classic 11.99% p.a. 19.99% p.a. 11.99% p.a.

Ready to apply?

  • You can apply online - no branch visits are required unless you prefer to apply in person.
  • Track your personal loan application in real time and upload supporting documents using our Loan Tracker.
  • Existing customer? We’ll pre-fill your application to make your experience even easier!

P&N Bank Visa Classic fees & charges

Annual fee$49
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.

It’s easy to apply for a Visa Classic 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 

11.99 % p.a. Purchase Rate

Apply Enquire

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 Classic 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.

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