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- & Visa Platinum
P&N Bank & Visa Platinum
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
7.22%
Balance transfer rate
7.22%
Annual fee
$99
P&N Bank & Visa Platinum
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
7.22%
Balance transfer rate
7.22%
Annual fee
$99
Pros and Cons
For P&N Bank & Visa Platinum
Benefits
- Ongoing variable purchase rate ranked in the best 20%
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Rental car excess insurance
- Concierge
- Purchase protection insurance
Drawbacks
- No reward program
P&N Bank Rate Credit Card overview
For & Visa Platinum
Details
Card level
Platinum
Card type
Visa
Interest free days
45
Minimum monthly repayment
3%
Minimum credit limit
$6,000
Maximum credit limit
$0
Free supplementary cards
Instant approval
Target Market Determination
Visit P&N Bank to view Target Market Determination.
Fees
Annual fee
$99
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$5
Over limit fee
$5
Duplicate statement fee
$6
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
7.22%
Cash advance rate
19.99%
Cash advance fee
$5
Balance Transfer
Balance transfer rate
7.22%
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
$50,000
Eligibility conditions
Have a regular income
Residency
Perks
DOMESTIC TRAVEL INSURANCE
INTERNATIONAL TRAVEL INSURANCE
Available with an excess of A$200 on any claim
FREE SUPPLEMENTARY CARDS
EXTENDED WARRANTY
Warranty is extended for the same duration as the original warranty up to 1 year.
RENTAL CAR EXCESS INSURANCE
Covers up to $5000 per journey
CONCIERGE
PURCHASE PROTECTION INSURANCE
