8.4 / 10

based on 582 P&N Bank reviews as rated by Mozo community

P&N Bank credit cards

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. Plus, its also a 2020 Mozo Experts Choice Award winner! So for some real home-grown credit card value, check them out below.

What credit cards do P&N Bank offer?

Rates and fees verified as correct at 17 June, 2021. Other information correct at the time of writing. Advertiser disclosure.

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 on purchases

11.31% p.a.

No current offer

$49

45

11.31% p.a.

No current offer

$99

45

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 on purchases

11.31% p.a.

No current offer

$49

45

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

11.31% p.a.

No current offer

$99

Frequently Asked Questions about P&N Bank credit cards

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

Once you rack up a balance on your P&N Bank credit card, you’ll have up to 45 days to pay it off before it starts to attract interest. Keep in mind that this interest free period begins at the start of your statement cycle - usually the beginning of the month - and not when you make a purchase. So if you hit the shops halfway through your statement cycle, you’ll have less than 45 days before the interest starts building up.

It’s also important to remember that if you don’t pay off your credit card balance in full each month, you’ll usually forfeit the next month’s interest free days.

What fees might I be charged?

The major credit card fees you'll have to consider in your spending budget when using your P&N Bank credit card include the annual fee - which is pretty low - plus fees for when you hit the ATM and a foreign exchange margin for when you’re shopping overseas.

One thing to keep in mind when you’re travelling, is that there is a fee for an overseas emergency replacement card - whether or not you’re approved for the replacement. So be careful of pickpockets when you travel with a P&N Bank credit card.

There are a few extra conditional fees that may apply, like late fees, duplicate statement or transaction verification fees.

What’s the minimum repayment amount I must make?

Our favourite strategy for using any credit card is to always pay off as much of your monthly balance as you can - preferably the whole lot. That way, you can avoid interest, late payment fees and keep your interest free days for the next month.

But if you are paying only the minimum from your P&N Bank credit card statement, it will be either 3% of your closing balance or $10 - whichever is the higher amount. If your closing balance is less than $10, your minimum payment will be the whole amount.

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

Although there’s no rewards program attached to your P&N Bank credit card, you can cash in on a buch of cool perks and freebies if you opt for the platinum option.

These include a range of free insurance covers:

Overseas travel insurance

Interstate flight insurance

Extended warranty insurance

Purchase security insurance

Transport accident insurance

You’ll also get access to a 24/7 personal concierge service, which offers exclusive entertainment and travel offers.

After a piece of plastic that will earn you some major rewards points? Check out these great rewards card options.

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

Yes - but there’s a catch. Although you can manage your credit card debt by transferring previous balances onto your P&N Bank credit card, you won’t get a zero interest period to pay it off, unlike many balance transfer offers.

This can actually be a good setup if you think you’ll take longer than the usual balance transfer period of 6-12 months to pay off your debt - instead of having a short zero interest period and then getting hit by high interest on any balance leftover, you can pay one flat, low rate.

But if you think you’d like to take advantage of a great balance transfer offer with an interest free period, check out our balance transfer table here.

Will my P&N Bank credit card work overseas?

Yep! Because your P&N Bank credit card is a VISA card, you can use it all over the world. VISA is accepted just about anywhere you might want to go, so your P&N Bank credit card is too. 

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

Yes! PayWave works on the VISA network, so you can use it with your P&N Bank credit card for payments under $100.

How can I protect myself from credit card scams?

Credit card scams are a type of credit card fraud. Making sure that your personal details and money are safe when you use your P&N Bank credit card is super important. So here are some ways to identify a credit card scam:

Offers that come out of the blue or calls requesting your secure details

Offers that sound too good to be true - they usually are

If a small transaction appears on your credit card statement that you didn’t make, don’t ignore it. Scammers often start with small transactions to ‘test’ stolen details

If you receive an email from P&N Bank asking you to click a link and input your secure details, chances are it’s a scam. Be very careful, and call the bank to confirm if you’re at all unsure.


P&N Bank also monitor your credit card 24/7 for fraudulent activity - so you can relax knowing they’ve got your back.

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.

Icon of credit-cards
P&N Bank credit cards
Overall
8.4/10
Price
Features
Customer service
Convenience
Trust

47 Reviews

Recent P&N Bank credit card reviews

P&N Bank Easypay Visa review
Overall 10/10
Excellent customer service, and products.

Excellent customer service. Products are normally better than the ‘Big 4’. Each time I have contacted this bank by ‘secure mail’ I have received a reply within a few hours. Telephone conversations are always answered efficiently and questions answered promptly. Staff are always pleasant to talk too, both on the phone and face to face in the bank.

Read full review

Excellent customer service. Products are normally better than the ‘Big 4’. Each time I have contacted this bank by ‘secure mail’ I have received a reply within a few hours. Telephone conversations are always answered efficiently and questions answered promptly. Staff are always pleasant to talk too, both on the phone and face to face in the bank.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Michael, Tasmania, reviewed 3 months ago
P&N Bank Platinum Visa review
Overall 10/10
Great rate!

Great rate!

Read full review

Great rate!

Price
10/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Wendy, Western Australia, reviewed 5 months ago
P&N Bank Credit Card review
Overall 10/10
Extremely helpful and professional.

Hassle free and fair charges.

Read full review

Hassle free and fair charges.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Pete, Western Australia, reviewed 7 months ago
P&N Bank Platinum Visa review
Overall 10/10
Brilliant customer service at all times.

I love my bank because all the services they provide are competitive, simplistic, and cover all my needs.

Read full review

I love my bank because all the services they provide are competitive, simplistic, and cover all my needs.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Bev, Western Australia, reviewed about 1 year ago
P&N Bank Easypay Visa review
Overall 10/10
Like another credit card.

Could use more information about the credit card.

Read full review

Could use more information about the credit card.

Price
8/10
Features
8/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Annmarie, Western Australia, reviewed over 1 year ago

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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