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.

P&N bank 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, with a history going back to 1949. It is the largest bank owned and managed in Western Australia. It has 15 branches and a business hours contact centre, all located in WA, and its cardholders have free access to the RediATM network and the ATMs of the Big Four banks throughout Australia.

Mutual structure

Similar to a credit union, it operates under a mutual structure, where the bank is owned by, and operated for the benefit of, its member-shareholders.

Anyone can have an account

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.

Since online banking, wide ATM access and a mobile app are available, you don’t need to live in Western Australia to open a bank account or use its credit cards.

P&N Bank products and services

The bank offers a range of standard banking products and services, including:

  • 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

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

Q: 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.

Q: 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.

Q: 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
Q: 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.

Q: 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.

Q: Does P&N Bank have online banking?

Yes.

Q: Does P&N Bank have a mobile app?

Yes.

Q: 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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