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.

Low variable rate

On purchases

Interest free

Up to 45 days

Low annual fee


Minimum credit limit


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 PayGoogle 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

Interest rates

Product Name Purchase Rate
Cash Advance Rate
Balance Transfer Rate
P&N Bank Visa Classic 11.49% p.a. 19.99% p.a. 11.49% p.a.

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 our P&N Bank Visa Classic credit card – online or in person at your nearest branch. If you’re applying online, please have the documents you need ready as these will help us to identify you online.

What you need

  • Be at least 18 years of age and have an Australian mailing and residential address.
  • Become a P&N Bank member.
  • If you’re joining as a brand new member, you need your Australian driver's licence or your Australian passport. You can also use one form of primary ID without your photo (eg. your birth certificate or citizenship papers) with one form of secondary ID (eg. your most recent power bill). Original and certified copies of documents are accepted.
  • Once you’re a member, you’ll need to give us information about how much money you’d like to borrow and for what purpose, your contact details and your financial details.
  • You'll also need to provide:
    • Income details (if self employed, tax assessments for the last two years and financial statements)
    • Contact details for your current and previous employer
    • Details of your assets and liabilities (eg. property, loans, shares)
  • You need to read and agree to our privacy statement, terms and conditions and the product disclosure statement.

How to get started

Apply online

Complete, save and submit your credit card application online. If you need help, talk to us using web chat or call us.

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 local loan consultants will help you with your credit card application.

11.49 % p.a. Purchase Rate

Apply Enquire Request appointment

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 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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