P&N Bank Credit Cards

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

By   |   Updated 6 Mar 2024

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business

Comparing P&N Bank credit cards

P&N Bank Classic Visa Credit Card

On website


  • 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.


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


  • No rewards program.
  • No introductory interest-free balance transfer offer.
  • Only up to 45 days interest-free (51 is more typical).
P&N Bank Platinum Visa Credit Card

On website


  • Low-interest rate of 11.99% p.a. on balance transfers and purchases.
  • Up to 45 interest-free days.
  • Includes complimentary insurance cover.


  • Low ongoing interest rates.
  • Complimentary insurance plans.
  • Access to the 24 / 7 concierge service.


  • The annual fee is $99 p.a.
  • 45 interest-free days is not as long as what's available on some cards.
  • Doesn't have a rewards program.
  • No interest-free balance transfer offer.

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.

Types of P&N Bank Credit Cards

Visa Platinum Credit Card

  • Features: The Visa Platinum credit card from P&N Bank offers premium benefits such as concierge services, travel insurance, and enhanced security features.
  • Rewards: Cardholders can earn rewards points for every dollar spent, which can be redeemed for travel, merchandise, or cashback options.

Standard Credit Card

  • Simplicity: The standard credit card from P&N Bank is a straightforward option for everyday purchases, with no frills and easy-to-understand terms.
  • Low Fees: Cardholders benefit from low annual fees and competitive rates, making it a cost-effective choice for those looking for essential credit card features.

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

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.