P&N Bank Credit Cards | Reviews & Comparison

P&N Bank Credit Cards

P&N Bank is the largest bank owned and managed in Western Australia. It has a mutual structure and concentrates on providing banking products for emergency services and public sector employees, but anyone can buy a share in order to become a member and apply for a credit card.

balance transfer
purchase rate
annual fee
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An ongoing low annual fee of just $49 p.a.
Up to 45 days on purchases interest-free.
Access to your savings account on the same card.
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11.49% p.a.
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11.49% p.a.
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$49
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A very competitive ongoing 11.49% p.a. interest rate on purchases.
Cash advances are also charged a low 19.99% p.a. ongoing.
Add up to 3 additional card holders.
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11.49% p.a.
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11.49% p.a.
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$99
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Q&As about P&N Bank Credit Cards from customers

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?

  • Two credit cards: the P&N Bank Visa Classic and P&N Bank Visa Platinum (the latter with complimentary insurance benefits, and both with up to 45 days interest free and low interest rates on purchases)
  • 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

What are P&N Bank’s credit card interest rates?

Both of the bank’s credit cards offer a very low (for a credit card) interest rate on purchases, applied to unpaid balances after the up to 45 interest-free days have expired. Cash advance interest rates are much higher, in line with the rates charged by most credit cards.

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.

Does P&N Bank have online banking?

Yes.

Does P&N Bank have a mobile app?

Yes.

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.

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