Important disclosure
Pros and cons
For Classic Visa
Benefits
- Ongoing variable purchase rate ranked in the best 20%
- Lower than average annual fee
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
Drawbacks
- No reward program
P&N Bank Rate Credit card overview
For Classic Visa
Details
Card Level Standard | Card Type Visa |
Interest Free Days 45 | Minimum monthly repayment 3% |
Minimum credit limit $1k | Maximum credit limit No set max |
Free supplementary cards | Instant Approval |
Target Market Determination Visit P&N Bank to view Target Market Determination. |
Fees
Annual Fee $49 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $5 |
Over limit fee $5 | Duplicate statement fee $6 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate 11.99% p.a |
Cash advance rate 19.99% |
Cash advance fee $5 |
Balance Transfer
Balance Transfer Rate 11.99% p.a |
Transfer Limit 100% of the approved credit limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name |
Rewards Available - |
Eligibility
Minimum age 18 |
Minimum income |
Eligibility conditions Have a regular income |
Residency Australia Citizen, Permanent Resident |
Perks
- FREE SUPPLEMENTARY CARDS