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P&N Bank Platinum Visa

Purchase rate
11.31% p.a.
Balance transfer rate
No current offer
Annual fees
$99
Interest free days on purchases
45

Mozo editorial review P&N Bank Platinum Visa

Last updated: 21 October 2019.

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What's hot
  • 2019 Mozo Experts Choice Award winner
  • 11.31% purchase rate
  • Access to Visa Concierge service
  • Complimentary insurance plans
What's not
  • 19.99% cash advance rate
Mozo snapshot

It’s not hard to see why the P&N Visa Platinum Credit Card was awarded a 2019 Mozo Experts Choice Award for best Low Rate Platinum Credit Card. With this card, you’ll have an 11.31% purchase rate along with up to 45 interest free days. Plus, you’ll also be treated to 24/7 access to the Visa Concierge service.

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Key features

Give yourself luxury at a discounted rate with the P&N Visa Platinum Credit Card. Along with a 11.31% purchase rate, you’ll also receive up to 45 interest free days on purchases. However, you’ll need to steer clear of ATMs when you’ve got this card in hand because of its 19.99% cash advance rate (remember interest free days don’t apply to cash advances) and $5 cash advance fee. There’s also the $99 annual card fee and 3.00% foreign exchange margin to keep in mind.

If you’re in the need of a card to help clear debt, you can transfer balances to the Visa Platinum Credit Card, but there’s no interest free period. Instead, you’ll have an ongoing 11.31% balance transfer rate.

With this credit card, you’ll also be treated to a number of complimentary insurance plans like, overseas travel insurance, interstate flight insurance, extended warranty insurance, purchase security insurance and transport accident insurance. Plus, through the Visa Platinum Credit Card, you’ll also have access to Visa Premium - a program that features special lifestyle, entertainment and travel privileges.

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Who is it good for

The P&N Bank Visa Platinum Credit Card is a great choice for anyone who loves to indulge in the occasional perk, but does not want to cough up a bundle to do so.

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Any catches

We all have our own guilty pleasures and if yours is browsing your favourite international online store, you’ll need to watch out for the 3.00% foreign exchange margin. While this percentage is pretty standard amongst all credit cards, it can still hurt your bank account all the same.


Details

Rates and fees information correct as at 15 August 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.31% p.a.

  • none

  • No current offer

  • none

  • 19.99% p.a.

  • 45

Fees
  • $99.00

  • none

  • none

  • none

  • $5.00

  • $5.00

  • 3.00%

  • $6.00

  • $20.00

  • $0.00

Features
  • none

  • 3.0

  • yes

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

Access to VISA Platinum Concierge Service.

Customer Reviews

How are P&N Bank credit cards rated by the Mozo community?

Overall customer rating
8.3/10
Price
7.8/10
Features
6.4/10
Customer service
8.5/10
Convenience
8.4/10
Trust
8.6/10

Latest reviews of P&N Bank Platinum Visa

  • 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 4 months ago
  • Overall 3/10

    Price
    4/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    David, Western Australia reviewed over 3 years ago
  • Overall 9/10
    Fabulous customer service, good rates

    They have always been fantastic.

    Read 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 5 years ago
  • Overall 10/10
    outstanding

    Fantastic

    Read full review

    Fantastic

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Karen, Western Australia reviewed over 5 years ago
P&N Bank

About P&N Bank

P&N Bank is Western Australia's largest mutual bank, and offers competitive rates and fees that are personalised to its members. Formerly Police & Nurses Credit Society, P&N has served the local Western Australian community for over 30 years, and provides a range of quality banking and financial services including credit cards, bank and savings accounts, term deposits, home and personals loans, and insurance products. As a mutual bank, every member has a say, and profits go directly back into benefiting its members.

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2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

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2.99% p.a. for 9 months and then 17.99% p.a.

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