P&N Bank Platinum Visa

11.49% p.a.

No current offer


P&N Bank Platinum Visa Review

Review published: 25 October 2017

What's hot:

  • Mozo 2017 Experts Choice winner

  • Low 11.49% 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 has been awarded an Experts Choice Award for Low Rate Platinum Credit Card. With this card, you’ll have an 11.49% 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.

Key features:

Give yourself luxury at a discounted rate with the P&N Visa Platinum Credit Card. Along with a 11.49% 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 11.49% 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.

Who it's 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.

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.

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

Product Type Overall Rating Price Features Service Convenience Trust

Based on 14
P&N Bank credit cards reviews

7.8 6.6 8.6 8.8 8.7

Read P&N Bank credit card reviews by the Mozo community

Latest review of P&N Bank Platinum Visa

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


Kathy (WA), reviewed almost 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.


  • 11.49% p.a.

  • none

  • No current offer

  • none

  • 19.99% p.a.

  • 45


  • $99.00

  • none

  • none

  • none

  • $5.00

  • $5.00

  • 3.00%

  • $6.00

  • $25.00

  • $0.00

Other financial bits

  • $10.00

  • 3.0


  • yes

  • none

  • Access to VISA Platinum Concierge Service.

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.

**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.

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