P&N Bank Credit Cards

Compare P&N Bank credit cards
If you’re considering a P&N Bank credit card, check out what’s available in our comparison table below, based on a monthly spend of $2,000.
Types of P&N Bank credit cards
P&N Bank has two different credit cards available for you to choose from at the time of writing:
- Visa Classic Credit Card
- Visa Platinum Credit Card
Learn about the different types of credit cards here.
P&N Bank Visa Classic Credit Card
Features
- Card type: Visa
- Minimum credit limit: $1,000
- Interest-free days: Up to 45
- Contactless: Contactless payments enabled via Visa payWave
- Digital wallet: Card enabled for Android Pay digital wallet
- Security: Visa Zero Liability and Verified by Visa protect against fraudulent transactions
P&N Bank Visa Platinum Credit Card
Features
- Card type: Visa
- Minimum credit limit: $6,000
- Interest-free days: Up to 45
- Contactless: Contactless payments enabled via Visa payWave
- Digital wallet: Card enabled for Android Pay digital wallet
- Security: Visa Zero Liability and Verified by Visa protect against fraudulent transactions
- Insurance: Complimentary overseas and domestic travel insurance, purchase security insurance, and transport accident insurance
- Concierge: Access to Visa Platinum Concierge Service 24/7
Eligibility to apply for P&N Bank credit cards
To apply for the P&N Bank credit card, you must be able to satisfy the following criteria:
- Australian permanent resident
- Over 18 years of age
- Be open to a suitability test and background check
How to apply for a P&N Bank credit card
If you satisfy all of the above criteria, you can apply for a P&N Bank credit card, either online, by visiting a local branch, or by calling P&N Bank on 13 25 77, after comparing credit cards on the Canstar website.
You will need the usual documentation to apply for a credit card, including:
- A primary ID with a photo, such as your driver’s licence
- Your employment details
- Your annual income
- Your usual living expenses
- Details about assets you own such as a home, car, other belongings, or savings
- Any debts you currently owe on other credit cards, loans, or overdrafts
Current members of P&N Bank may not need as many identification documentations.
Read our checklist on applying for a credit card for a more detailed explanation of how the process works.
P&N Bank FAQs
You’ll need to activate your P&N Bank credit card before you can use it. You can activate your credit card by contacting P&N Bank on 13 25 77 or by visiting a local branch.
Yes, you can manage your P&N Bank credit card through online banking. By using the P&N Bank online banking service, you can activate and deactivate your cards, view your recent transaction history, view your balance, and more.
Source: PN Bank
When interest is charged
On a P&N Bank credit card, interest is calculated daily whenever you carry a balance on your card. Cash advances and BPAY transactions don’t have any interest free period.
When interest is not charged
Up to 45 interest-free days apply to purchases made by both of the credit cards as long as you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days,?check out our article on how they work.
Your credit limit for a P&N Bank credit card will be determined based on the information you provide in your application, within the minimum and maximum credit limits (see above).
You can ask P&N Bank to change your credit limit at any time, and they may approve or reject this request based on their lending criteria. Find out more about how credit limits are determined here.
You may close your P&N Bank credit card by written request to them at any time. After cancelling you need to ensure that you stop any use of the card and that your remaining balances are paid off. You will continue to receive monthly statements until your card balance is fully repaid.
If you’re cancelling your credit card with P&N Bank because you’re struggling financially, contact its financial hardship team to find potential solutions.
If you’re cancelling because you are dissatisfied with your current card, then you might want to consider checking out what other credit cards are on the market by comparing with the Canstar website:
P&N Bank have been in the Western Australian community for over 23 years.
They run a program called Helping &nds, in which members have the opportunity to nominate an individual or a group who are facing financial hardship. Visit their Helping &nds page for some more information.
On top of this, P&N Bank also sponsors a wide range of organisations and community groups including:
- Nine News WA Police Excellence Awards
- RSPCA Kennel Sponsorship
- Cancer Council Western Australia
Source: PN Bank