P&N Bank

Compare P&N Bank credit cards before applying. Review their main features, benefits, interest rates, and fees.

P&N Bank credit card

P&N Bank Classic Visa Credit Card

On website

P&N Bank Classic Visa Credit Card

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Annual fee remains low at $49 per annum.
  • Enjoy a competitive interest rate of 11.99% on balance transfers and purchases.
  • Benefit from up to 45 days with no interest charges.

Pros

  • The competitive annual fee.
  • Low-interest rates on purchases.
  • Quick and easy application process.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program.
  • No introductory interest-free balance transfer offer.
  • Only up to 45 days interest-free (51 is more typical).

P&N Bank offers a range of credit cards to suit different financial needs and lifestyles in Australia. From competitive rates to exclusive benefits, P&N Bank credit cards aim to provide flexibility and convenience to cardholders.

Benefits of P&N Bank Credit Cards

  • Competitive Rates: P&N Bank offers competitive interest rates on their credit cards, making them an attractive option for those looking to save on finance charges.
    Exclusive Benefits: Cardholders can enjoy exclusive perks such as rewards programs, complimentary insurances, and access to special offers and discounts.
  • Flexible Repayment Options: P&N Bank provides flexible repayment options to suit individual financial situations, allowing cardholders to manage their repayments effectively.

How to Apply for a P&N Bank Credit Card

  1. Online Application: Applicants can conveniently apply for a P&N Bank credit card online through the bank's website.
  2. In-Person Application: Alternatively, individuals can visit a P&N Bank branch to apply for a credit card in person, where staff can provide assistance and guidance throughout the process.
  3. Required Documents: Applicants will need to provide essential documents such as identification (e.g., driver's license, passport), proof of income, and residency status to complete the application process.

Help choosing a P&N Bank credit card

Access personalized guidance to select the perfect P&N Bank credit card, tailored to your financial goals and lifestyle preferences.

  • FAQs

  • Q&As

What are the eligibility criteria for P&N Bank credit cards?

To be eligible for a P&N Bank credit card, you need to be at least 18 years old, a resident of Australia, and meet specific creditworthiness and income criteria. Each card may have additional requirements, so checking the specific card details on P&N Bank's website or contacting their customer service is advisable.

How long does it take to receive a decision on my credit card application?

The time it takes to receive a decision on your P&N Bank credit card application can vary. Typically, decisions can be made within a few business days, provided all necessary documentation has been submitted correctly. However, some applications may require additional review, extending the decision time.

Does P&N Bank offer a balance transfer option for credit card applicants?

Yes, P&N Bank offers a balance transfer option for credit card applicants, allowing you to transfer existing balances from other credit cards to a P&N Bank credit card, often at a lower interest rate. Terms and conditions apply, so it's important to review these details before applying.

Can I manage my credit card account online with P&N Bank?

You can manage your P&N Bank credit card account online using P&N Bank's internet banking service. This platform allows you to view your balance, transactions, and statements, make payments, and update personal information conveniently.

What fees and charges are associated with P&N Bank credit cards?

Fees and charges associated with P&N Bank credit cards can include annual fees, late payment fees, cash advance fees, and international transaction fees, among others. The specific fees depend on the credit card type. For a comprehensive list of fees and charges, refer to the P&N Bank website or your credit card's terms and conditions.

Is there a minimum income requirement to qualify for a P&N Bank credit card?

While there is a minimum income requirement to qualify for a P&N Bank credit card, the specific amount can vary depending on the card for which you are applying. It's best to consult P&N Bank directly or check the eligibility criteria listed on their website for the card you're interested in.

What is P&N Bank?

It is the trading name of Police and Nurses Limited, formed following the merger of around 15 emergency services and public sector credit unions in Western Australia. It is a bank with a mutual structure, operated for the benefit of its member-shareholders.

Can anyone have an account with P&N Bank?

Yes. Although the bank’s branches are all located in Western Australia, and many of its members are connected with emergency services or the public sector, any Australian resident can become a member of Police and Nurses Limited by buying a single low-cost share and then opening an account, including applying for a credit card.

Accounts, including credit cards, can be managed via online banking, ATMs and a mobile app.

What kind of products and services does P&N Bank offer?

  • Credit cards
  • A debit card
  • Bank savings and transaction accounts
  • Term deposits
  • Home loans
  • Car loans
  • Personal loans
  • International payments
  • Financial planning
  • Insurance for home and contents, cars, travel, life insurance and more

Does P&N Bank have branches and ATMs?

Yes. It has 15 branches, all located in Western Australia, and free access to RediATMs and the Big Four banks’ ATMs Australia-wide.

You can manage your accounts, including your credit card, via online banking and a mobile app.

Are P&N Bank credit cards compatible with Apple Pay, or Google Pay, or Samsung Pay?

P&N cards are compatible with all three, so you can leave your card at home and pay with your mobile device.