P&N Bank provides one of the best rates for a Visa Card which is connected to my home loan. The Interest rate is the same as the home loan rate although the Cash Advance is similar to other cheaper banks. I get 55 days to pay account in full or in part if my total accrued is on the large size although I can call the the bank directly or through "Chat Line" up to 06 PM or send a secure email and get a call the next day. The Visa Card has a range of extra's due to being Platinum card. The Visa Platinum card provides me to better manage my money on a day to day basis.
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.
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.
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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.
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Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.