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.
Pros and cons
- 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 rates
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P&N Bank Classic Visa
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P&N Bank Visa Platinum
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P&N Bank top credit cards products
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.
Learn more about credit cards
Does Macquarie Bank offer any credit card insurance?
Yes, Macquarie Bank may offer credit card insurance; it just depends on the type of Macquarie Bank credit card you have. There is a range of credit card insurance offers you can benefit from when you take out a Macquarie Bank credit card.
If you have a Macquarie Black or Platinum credit card, you have access to travel insurance for you, your spouse and any dependent children while travelling overseas. Under this travel insurance you receive:
- Interstate Flight Inconvenience Insurance, which provides cover for meals and clothing, depending on the delay
- Medical Emergency Expense Cover, which offers you unlimited cover for most medical expenses, and limited cover for dental treatment and emergencies caused by an act of terrorism
- Baggage, Money and Documents Cover, which is subject to certain sub-limits mentioned in the terms and conditions
As a Macquarie Bank credit cardholder, you could be eligible for Extended Warranty insurance, which provides an extension to the manufacturer’s Australian warranty on certain products. To access this cover, you must have purchased the product using your Macquarie Bank credit card.
Select Macquarie Bank credit cardholders might also be able to take advantage of Rental Vehicle Excess Insurance. This insurance will cover you for any excess or deductibles that you’re liable to pay during the rental period.
Most Macquarie Bank credit cards also come with purchase protection insurance which protects you against fraudulent transactions. You should check the terms and conditions to find out more.
How do credit cards work?
Think of credit cards as a short-term loan where you use the bank’s money to buy something up front and then pay for it later. Unlike a debit card which uses your own money to pay, a credit card essentially borrows the bank’s money to fund the purchase. When you apply for a credit card, the bank assesses your income and assigns you a credit limit based on what you can afford to pay back. At the end of each billing cycle, which is usually monthly, the bank will send you a statement showing the minimum amount you have to pay back, including any interest payable on the balance.
How to increase your Bendigo Bank credit card limit?
As a Bendigo Bank credit cardholder, you can avail a minimum limit of $500, but if you use your card regularly, you may want to consider increasing it. To increase your Bendigo Bank credit card limit, you can contact the bank’s credit card team on 1300 236 344 and talk to the bank directly.
You can also apply for a credit card limit increase through online banking, by logging into Bendigo Bank web portal or through the app on your phone or tablet. Once you’ve successfully logged in, you'll want to send a secure message to Bendigo Bank asking them to increase your credit card limit.
If you cannot access the online portal or the app, you can also apply to increase your credit card limit through the online enquiry form. Simply add relevant information in the required fields and click ‘Submit’. Once you have completed the application, Bendigo Bank should verify your details and analyse your current financial standing. Based on this assessment, the bank will either accept your application to increase your credit card limit or deny it.
How do you use credit cards?
A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.
How do I transfer money from my Commonwealth bank credit card to my bank account?
Your Commonwealth bank credit card may include a cash advance benefit, but you won't be able to transfer money to your bank account.
You can, however, withdraw cash from your credit card at an ATM. You should remember that you have to pay a fee for such transactions, and you’ll be charged interest from the day you withdraw the cash.
Unlike other credit card transactions, you don’t get an interest-free repayment period for cash advances. Also, you may not be able to access your full credit card limit for a cash advance.
Can a pensioner get a credit card?
It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:
- Annual income. Look for credit cards with minimum annual income requirements you can meet.
- Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee.
- Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.
Does Bendigo Bank offer credit card insurance?
No matter which type of Bendigo Bank credit card you own, you may qualify for complimentary purchase protection insurance, extended warranties, and best price guarantee.
If you are eligible for one or more of these complimentary insurances, you won’t need to activate them separately. Consider checking the coverage limits as well as the terms of purchase to find out if they apply to your purchases. For instance, the annual coverage limit under Bendigo Bank’s purchase protection insurance for one type of credit card is $25,000. However, the coverage limit per item is $5,000, and you may have to pay an excess of $250 every time you file a claim.
Some Bendigo Bank credit card customers may also qualify for mobile device insurance, which covers the accidental damage to or loss of your phone. Again, the coverage limit varies for repairing or replacing your phone,compared to repairing accidental damage to your phone’s screen. Other complimentary insurance offered by Bendigo Bank on some credit cards includes coverage for overseas travel, domestic flight inconvenience, and transit accidents. If you rent a car using an eligible Bendigo Bank credit card, you may be able to get a waiver on the car rental excess as well.
How to increase ME Bank credit card limit?
If you want your ME bank credit card limit increased, you’ll have to fill the “credit card limit increase request form” and send it to the bank via post, email, or fax. The requirements for increasing the credit limit include:
- You should have the card for at least six months;
- Your income has increased; and
- Your debt liabilities have decreased.
What can I do about my Commonwealth Bank expired credit card?
You’ll typically receive your replacement Commonwealth Bank credit card before your current one expires.
Once you receive the replacement card, you may need to update the new card with all the direct debits that you had set up on your expired Commonwealth Bank credit card. These could include insurance payments, electricity or gas bills, and monthly entertainment subscriptions.
To see a list of all your regular payments in NetBank, follow these steps:
- Log on to NetBank
- Click on ‘settings’
- Go to ‘product requests’, and select ‘credit card regular payments’.
If you don’t use NetBank, you can see the list of your regular payments on your most recent credit card statement. Keep in mind, this list may not be complete and you should also check your past statements or your transaction history.
If you haven’t received your replacement card before your current card expires, call 13 22 21 and the bank will send a new card to you.
It is important that you safely discard your expired credit card. This often means cutting it up with scissors and throwing it out.
- If you have let your credit card expire because you are looking for a more competitive credit card offer, it may be worth comparing your options today.
Can I transfer money from my American Express credit card to my bank account?
If you’re an American Express credit card customer, you may not be able to transfer money from your credit card to your bank account. However, you may be eligible for cash advances, which involves withdrawing money through an ATM.
To qualify for a cash advance, you’ll likely have to enrol for American Express Membership Rewards. Consider checking your online credit card account to see if you can withdraw a cash advance and, if so, the fees and charges you’ll incur for this transaction.
You should remember that cash advances are different from balance transfers, which were available with some American Express credit cards earlier. Balance transfers allow customers to consolidate debt from high-interest credit cards to a credit card offering a lower interest rate. If you only recently applied for an American Express credit card, balance transfers may not be available irrespective of the card you own.
Should I get a credit card?
Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch.
How do you apply for a credit card?
You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.
How do you use a credit card?
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
What is a credit card?
A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.
Does St. George Bank offer any credit card insurance?
Depending on the type of card they hold St. George Bank credit cardholders can benefit from a host of various credit card insurance offerings including:
Complimentary overseas travel insurance, covering:
- Medical and hospital expenses incurred while travelling overseas, with the exclusion of pre-existing conditions
- Loss or damage to personal property
- Legal liabilities
- Loss or damage to rental vehicles
- Unexpected cancellation of travel arrangements or any other unforeseen expenses
Complimentary purchase security insurance may be available to level 1 cardholders for four months and three months of complimentary insurance accessed by level 2 cardholders. This type of insurance covers loss, theft, and damage costs to eligible products purchased anywhere around the world, provided that the product was purchased using the St. George Bank credit card.
Extended warranty insurance may be available to St. George Bank credit cardholders, which extends the manufacturer’s Australian warranty on certain products purchased. For example, if you purchase a pair of headphones that comes with 11 months of warranty, St. George Bank will provide an extended warranty of 11 months, provided the entire purchase is charged to the St. George Bank credit card.
Select cardholders may be able to take advantage of St. George Bank’s rental vehicle excess insurance, which covers up to $5,500 for any excess or deductible which the cardholder is legally liable to pay during the rental period.