P&N Bank credit cards

Compare P&N Bank's credit card features, benefits, interest rates, and fees to make an informed decision about your next credit card.

By   |   Verified by David Boyd   |   Updated 17 Mar 2023

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

Balance transfer

N/A

Purchase rate

11.31% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Low annual fee of $49 p.a.
  • Low-interest rate of 11.31% on balance transfers and purchases.
  • Up to 45 interest-free days

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 Platinum Visa Credit Card

Balance transfer

N/A

Purchase rate

11.31% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Low-interest rate of 11.31% p.a. on balance transfers and purchases.
  • Up to 45 interest-free days.
  • Includes complimentary insurance cover.

Pros

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

Cons

  • 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.