P&N Bank Platinum Visa Credit Card

The basics

• Additional cardholders. Up to 3 additional cardholders can be added for free. The main cardholder will be responsible for the account and any repayments.
• Digital wallets. Can be added to Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. P&N Bank does not permit gambling-related purchases.

Rewards and benefits

• Complimentary travel insurance. The P&N Bank Platinum Visa Credit Card offers complimentary international travel insurance. For the cover to be active, the card must have been used to purchase travel expenses before departure. Eligibility criteria apply.
• Concierge services. Cardholders can access the 24 / 7 concierge and get help with bookings and reservations, shopping advice, price comparison, travel recommendations, and more.
• Insurances. This card comes with fraud protection, purchase protection insurance, transport accident insurance, and international travel insurance.
• Rewards points. There is rewards program linked with this card.
• Sign up bonus. P&N Bank does not offer a sign-up bonus for new customers.

Rates and fees

• Annual fee. The annual fee for this card is $99 p.a.
• Balance transfers. P&N Bank has no special introductory interest-free offers on balance transfers. Any balance transfers are charged at the ongoing rate of 11.31% p.a.
• Cash advances. Cash advances will be charged interest at 19.99% p.a. from the date of the cash advance being made. Additionally, there will be a one-off cash advance fee.
• Foreign exchange fee. This card charges a 3% foreign transaction fee for all purchases made in a foreign currency, both online from an international store and when used to buy while overseas.
• Interest-free period. Offers up to 45 days interest-free on purchases (excluding cash advances) when you have paid off your previous balance or made the minimum required payment.
• Purchases. This card does not have any introductory offer on purchases. All purchases made with this card will be charged interest at 11.31% p.a.