Important disclosure

P&N Bank

P&N Bank Classic Visa

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

11.99%

p.a

Balance Transfer Rate

11.99%

p.a

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

11.99%

p.a

Balance Transfer Rate

11.99%

p.a

Annual Fee

$49

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

Promoted credit cards

Promoted

Longer Balance Transfer

Foundation Visa Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Balance Transfer

3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances.
Purchase Rate

3.99%

p.a

for up to 6 months, then 8.99%

Annual Fee

$45

Promoted

Lower Fee Balance Transfer

Lifestyle

  • Apple & Google Pay
  • Balance transfer
  • No annual fee
Purchase Rate

4.99%

p.a

for up to 5 months, then 12.84%

Annual Fee

$0

Promoted

Lower Purchase Rate

Easy Low Rate Visa Credit Card

  • Apple Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

8.99%

p.a

Annual Fee

$40

Promoted

Lower Annual Fee

Teachers Credit Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • No annual fee
Purchase Rate

7.90%

p.a

for up to 6 months, then 11.50%

Annual Fee

$0