P&N Bank Classic Visa Credit Card

P&N Bank Classic Visa Credit Card


  • 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 and cons


  • 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).

Our review


Customer service

Rates and fees



The basics

  • Additional cardholders. Add up to 3 additional cardholders for free, so you can share the account with family members. As the main cardholder, you would be responsible for managing the account and all resulting repayments.
  • Digital wallets. Compatible with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Gambling transactions are not allowed with this card.

Rewards and benefits

  • Complimentary travel insurance. This card does not provide complimentary international travel insurance cover.
  • Concierge services. There is no concierge service available.
  • Insurances. This card comes with fraud protection.
  • Rewards points. This credit card does not have a rewards program, which is typical of a "value" card such as this.
  • Sign up bonus. There is no sign up bonus for new customers.

Rates and fees

  • Annual fee. It costs $49 p.a. to keep the credit card account open.
  • Balance transfers. Although there is no introductory interest-free offer, balance transfers are possible at the ongoing rate of 11.31% p.a. Up to 100% of the approved credit limit can be used for balance transfers.
  • Cash advances. Cash advances will be charged interest at 19.99% p.a. This rate will apply immediately from the transaction date. An additional one-off fee will be charged in addition to the interest.
  • Foreign exchange fee. Transactions made overseas or online in a foreign currency will incur a 3% foreign transaction fee.
  • Interest-free period. The P&N Bank Classic Visa Credit Card has an interest-free period of up to 45 days on purchases (excluding cash advances) when you pay the account balance in full by the due date or make the required minimum payments.
  • Purchases. There is no introductory offer on purchases. Cardholders will get an ongoing interest rate of 11.31% p.a. for purchases made with this card.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake


User reviews


Customer service

Rates and fees




Reviewed by Anonymous

This card is very valuable to me. The Society were very practical when they issued it to me, setting a sensible credit limit which I have raised and lowered over the 10 years I’ve used it. It’s never been difficult to do that, customer service is excellent and I have no desire to change desire to change providers, despite the rewards they offer.

Satisfied with the product

Reviewed by Damien

No frills, low cost Visa card, we use for general purchaing, internet purchases or larger purchases that we would like topay off over a few months. We have had no hassles with the card and worked fine o/seas. There is no rewards program which is a little bit disappointing but overall a good, reliable card.

Been there for me

Reviewed by Louise

It’s thanks to this credit card that I have managed to get through.

When my daughter needed money for her studies they were there to help. Many times between being paid it has been incredibly helpful to fall back on. I’ve even used it for an emergency for our cat. Without any family to fall back on for help, I’m not sure what we would have done without this card.

I most definitely would recommend this card. ANZ have wonderful customer service

No fees, great service

Reviewed by Shuang

It’s not too bad, as good as other Visa cards, but better because there are no fees!

I have had this card for two years, and while it was stolen once and my credit was used, the bank refunded me the full amount. So I am very pleased with this bank and its services. I strongly recommend it.

No rewards, but no problems

Reviewed by H

There aren’t any rewards on this card, but I didn’t really want them.

Every time i have called I have received great customer service from a facility I have trusted.

There are easy repayments and a low interest rate. It’s simple to make repayments through online banking. I would always recommend this as a no-fuss card.

Would prefer a bigger limit

Reviewed by Ian

This card has mostly worked for me. The online protection has been flawless.

Ideally, I would like similar terms with a bigger limit. I especially like the fact that there are no account keeping fees and the very low interest I’m charged, although I didn’t appreciate being charged to make a prearranged direct debit or fees being accrued.

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