P&N Bank credit cards

Compare P&N Bank's credit card features, benefits, interest rates, and fees to make an informed decision about your next credit card.

Written by Yvonne Taylor |

Verified by David Boyd

Updated 19 Mar 2025 |

Comparing of 2 P&N Bank credit cards

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P&N Bank Classic Visa Credit Card

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Not available for application via this website

P&N Bank Classic Visa Credit Card

Highlights

Annual fee remains low at $49 per annum.
Enjoy a competitive interest rate of 11.99% on balance transfers and purchases.
Benefit from up to 45 days with no interest charges.

Pros

The competitive annual fee.
Low-interest rates on purchases.
Quick and easy application process.
Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

No rewards program.
No introductory interest-free balance transfer offer.
Only up to 45 days interest-free (51 is more typical).

P&N Bank Platinum Visa Credit Card

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Not available for application via this website

P&N Bank Platinum Visa Credit Card

Highlights

Low-interest rate of 11.99% p.a. on balance transfers and purchases.
Up to 45 interest-free days.
Includes complimentary insurance cover.

Pros

Low ongoing interest rates.
Complimentary insurance plans.
Access to the 24 / 7 concierge service.

Cons

The annual fee is $99 p.a.
45 interest-free days is not as long as what's available on some cards.
Doesn't have a rewards program.
No interest-free balance transfer offer.

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