P&N Bank credit cards

P&N Bank
P&N Bank's overall rating for credit cards

(as rated by the Mozo community)

8.2 / 10

based on 42 reviews

After a credit card with a bit of local flavour? Then look no further than the Western Australian P&N Bank, formerly known as Police & Nurses Credit Society. P&N Bank are locally-owned and have been operating for 30 years, so for some real home-grown credit card value, check them out below.

Rates and fees verified as correct at 26 September, 2018. Other information correct at the time of writing.

What credit cards do P&N Bank offer?

Low rate credit cards Low rate credit cards

Looking for a budget beater? This low rate credit card option will keep your savings account plump while providing all the spending ease and convenience a credit card should. If you tend to carry a balance on your credit card, this could be the piece of plastic for you.

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.49% p.a.

No current offer

$49

45

11.49% p.a.

No current offer

$99

45


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Low fee credit cards Low fee credit cards

Don’t break the budget just getting ahold of your credit card - go for a low fee option to keep costs low. With a low interest rate to boot, the option on offer from P&N Bank is a great way to get all the convenience of a credit card, without the hefty price tag.

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.49% p.a.

No current offer

$49

45


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Prestige cards Prestige cards

If you’re looking for premium perks without the high price tag, check out this affordable platinum credit card from P&N Bank. It doesn't come jam packed with freebies and reward programs like others of its ilk, but it’s a budget-friendly option for cardholders who just want a taste of the premium spending experience.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

11.49% p.a.

No current offer

$99


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about P&N Bank credit cards

What is the interest free period on my P&N Bank credit card?

What fees might I be charged?

What’s the minimum repayment amount I must make?

What rewards will I earn with my P&N Bank credit card?

Can I use my P&N Bank credit card for a balance transfer?

Will my P&N Bank credit card work overseas?

Can I use payWave with my P&N Bank credit card?

How can I protect myself from credit card scams?

How are P&N Bank credit cards rated?

Mozo users have rated P&N Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

P&N Bank credit cards

Overall 8.2

Price

Features

Customer service

Convenience

Trust

42 Reviews

Recent P&N Bank credit card reviews Recent P&N Bank credit card reviews

P&N Bank

P&N Bank Visa Platinum Credit Card credit card review

Overall rating   3 / 10

    Price   4 / 10

Less

David, Western Australia, reviewed over 1 year ago

P&N Bank

P&N Bank credit card review

Overall rating   7 / 10

Good rates

Personal service .

Full review

Personal service .

    Price   6 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

John, Western Australia, reviewed about 3 years ago

P&N Bank

P&N Bank Visa Platinum Credit Card credit card review

Overall rating   9 / 10

Fabulous customer service, good rates

They have always been fantastic.

Full review

They have always been fantastic.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Kathy, Western Australia, reviewed about 3 years ago

P&N Bank

P&N Bank credit card review

Overall rating   9 / 10

good and friendly customer service

I like my bank, it's local and friendly.

Full review

I like my bank, it's local and friendly.

    Price   7 / 10

    Features   0 / 10

    Customer service   10 / 10

    Convenience   10 / 10

Less

Tony, Western Australia, reviewed about 3 years ago

P&N Bank

P&N Bank credit card review

Overall rating   9 / 10

The best bank

P&N bank is fantastic. Someone was taking money from my account that wasn't me and they stopped it before I even noticed and I check my bank account twice a day so that's pretty hard to do. Also because I am a student I get a free credit card...

Full review

P&N bank is fantastic. Someone was taking money from my account that wasn't me and they stopped it before I even noticed and I check my bank account twice a day so that's pretty hard to do. Also because I am a student I get a free credit card which means I can buy all my text books online were they are cheaper.

    Price   10 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Kaitlin, Western Australia, reviewed over 3 years ago

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What do you need to apply for a P&N Bank credit card? What do you need to apply for a P&N Bank credit card?

You’ll need to be at least 18 to apply for a P&N Bank credit card, and you’ll also either have to already be a member, or sign up to become one when you apply, which involves buying a $10 share. To make your application go smoothly, you’ll also need to have with you:

  • I.D. You can take I.D with a photo, such as a driver’s licence or passport, OR a primary piece of I.D. that doesn’t have a photo - like a birth certificate - along with another piece of I.D., like a utility bill or rental agreement.
  • Details of your income
  • Contact details for your employer
  • Financial details like your debts and assets - for example, property you own, loans you’re repaying or shares you hold
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