Visa Platinum Credit Card card image

P&N Bank Platinum Visa

Advertiser disclosure
Purchase rate
11.31% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review P&N Bank Platinum Visa - last updated: 28 October 2021

binocular icon
What's hot
  • 2021 Mozo Experts Choice Award winner
  • 11.31% p.a. purchase rate
  • Access to Visa Concierge service
  • Complimentary insurance plans
What's not
  • 19.99% p.a. cash advance rate
Mozo snapshot

It’s not hard to see why the P&N Visa Platinum Credit Card was awarded a 2021 Mozo Experts Choice Credit Card Award for best Low Rate Platinum Credit Card. With this card, you’ll have an 11.31% p.a. 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 icon
Key features

Give yourself luxury at a discounted rate with the P&N Visa Platinum Credit Card. Along with a 11.31% p.a. 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% p.a. 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% p.a. 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 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.

question icon
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.


Rates and fees information correct as at 22 January 2022 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.

11.31% p.a.


No current offer


19.99% p.a.


















Payment options

Apple Pay, Google Pay, Samsung Pay

Rewards privileges

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?

Customer service

Latest reviews of P&N Bank Platinum Visa Credit Card

About P&N Bank