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P&N Bank credit cards

P&N Bank is a locally-owned and -managed bank based in Western Australia, operating under a customer-owned model. P&N Bank began in 1969 as the Western Australian Police Union Cooperative Credit Union Society Limited. In 1972, the WA Nurses Credit Society Limited was established. The merger of these societies and others gave way to the establishment of P&N Bank, which was officially named in 2013.

Customers can contact P&N Bank over the phone, online or within a bank branch.

Nick Bendel
Nick Bendel

Property & Personal Finance Writer

Content updated

Product data updated

Why choose P&N Bank


  • Moderately low interest rate
  • Covered by Visa Zero Liability and Verified by Visa
  • Eligible for Apply Pay, Google Pay and Samsung Pay


  • No rewards scheme
  • No frequent flyer points
  • No sign-on bonuses

P&N Bank Credit Cards

About P&N Bank Mutual credit cards

P&N Bank offers a range of classic and platinum credit cards. P&N Bank does not offer gold, frequent flyer, student or rewards credit cards.

In general, P&N Bank credit card rates are lower than you might find with Australia’s big four banks. P&N Bank credit card rates are typically moderately low and are accompanied by a moderate number of interest-free days.

P&N Bank credit card annual fees vary from product to product, ranging from moderately low to moderate depending on the card you choose. Generally, platinum cards incur a higher annual fee than classic cards.

Although they incur a higher annual fee, P&N Bank platinum options offer complimentary insurance plans, access to Visa Premium and free card replacement.

All P&N Bank credit cards can be used worldwide, feature Visa payWave, and are eligible for Apple Pay, Google Pay and Samsung Pay.

P&N Bank credit cards review

P&N Bank’s credit card offering includes both classic and platinum options, meaning it might be a suitable choice for everyday spenders and budget card holders. P&N Bank does not offer a credit card with a rewards scheme. As such, reward-seekers may find P&N Bank credit cards unsuitable for their needs.

P&N Bank credit card rates tend to be moderately low for both purchases and balance transfers. P&N Bank cards do not include a balance transfer deal for those wishing to transfer their existing debt.

Although a platinum P&N Bank credit card does not have a rewards scheme, it does offer customers a variety of perks. Platinum cards are covered by Visa Zero Liability and Verified by Visa, which protects against fraudulent transactions. Platinum cards also offer complimentary insurance such as overseas travel insurance, extended warranty insurance and transport accident insurance.

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