P&N Bank Classic Visa Credit Card

P&N Bank Classic Visa Credit Card

3.8

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Interest-free days

45 days

Annual fee

$49.00 p.a. ongoing

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 and cons

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).

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
3
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase Date
Interest Free Period
Up to 45 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
11.99%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
19.99% p.a.
Cash Advance Fee
$5.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
11.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$49.00
Dishonour Fee
$12.00
Duplicate Statement Fee
$6.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$5.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Fantastic

    Reviewed by Anonymous

    Satisfied with the product

    Reviewed by Damien

    Been there for me

    Reviewed by Louise

    No fees, great service

    Reviewed by Shuang

    No rewards, but no problems

    Reviewed by H

    Would prefer a bigger limit

    Reviewed by Ian

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    As seen on

    Media - The Sydney Morning Herald
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    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business