P&N BankP&N Bank Visa Classic
If you're looking for a low-cost credit card the Visa Classic Credit Card could be the right fit. With a minimum credit limit of $1,000, it's a great option for first time credit card holders, or if you want to keep your spending habits under control.
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 19.99%
- Interest-free days
- 45
- Annual fee
- $49
- Balance transfer
- 11.99%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 11.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 17th lowest of 51, level with 5 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 45 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 36th longest of 42, level with one other |
Rates
Every rate P&N Bank publishes for this credit card, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferWe may at our reasonable descretion agree to a Balance Transfer request by you or a Card Contract Variation. Please refer to our Terms and Condition for additional information. | - | - | - | 11.99% | - | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| Cash advance | - | - | - | 19.99% | - | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| PurchaseUp to 45 days Interest free if you pay off your balance in full each month | - | - | - | 11.99% | - | Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
Fees
14 fees published, grouped by when they're charged.
While you hold it1
- Credit Card Annual Fee
Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month.
$49 a year
When you make a transaction3
- Cash Advance Fee
Both domestic and overseas. Cash advance interest rate will also apply. Please refer to your statement or online banking for your cash advance rate.
$5 - Visa Foreign Currency Conversion Fee
3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website…
No fee - Bank@Post Withdrawal Fee
Fee for cash withdrawals at Australia Post Offices.
$3
If a payment is late or fails3
- Collection Agent Administration Fee
Payable when a payment to a credit card becomes overdue for more than 90 days and we choose to engage an external collection agent.
$100 90 days after it's due - Late Payment Notification Fee
Charged when a payment to a credit card becomes overdue by 11 days and 30 days.
$5 11 days after it's due - Management Administration Fee
Charged monthly when a payment to a credit card becomes overdue by more than 90 days.
$50 90 days after it's due
When particular things happen7
- Notice of Demand Fee
Charged when a payment to a credit card becomes overdue by 46 days.
$75 - Visa Chargeback Request Fee
When a cardholder raises a dispute relating to a card transaction.
$25 - Card Replacement - Standard Fee
For the replacement of a lost or damaged Visa Credit card.
$10 - Card Replacement - Urgent Fee
For the urgent replacement of a lost or damaged Visa Credit card.
$50 - Declined Emergency Visa Card Fee
Payable if your emergency card request is declined.
$70 - Emergency Card Replacement - Approved Fee
For the issue of a temporary emergency Visa Credit card, to temporarily replace a lost, stolen or damaged Visa Credit card.
$320 - Statement Retrieval Fee
Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.
$2.50
Features
Eligibility and limits
- Minimum age 18
- Residency: Personal Lending is not available for non-residents.
- Available to individuals
- Amount $1,000 to $100,000
- Credit eligibilty criteria, terms and conditions, fees and charges apply.
- You must be or become a P&N Bank member
Compare it with others
Put this product through a calculator
Published by P&N Bank under the Consumer Data Right, last changed by them on 29 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.