P&N Bank
P&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.
Credit cardsBank updated 29 June 2026
At a glance
- Purchase rate
- 11.99%
- Cash advance
- 19.99%
- Interest-free days
- 45
- Annual fee
- $49
- Balance transfer
- 11.99%
§ 01 — Rates · 3
| 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. |
§ 02 — Fees · 14
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | $5 | — | Both domestic and overseas. Cash advance interest rate will also apply. Please refer to your statement or online banking for your cash advance rate. |
| Notice of Demand Fee | Event | $75 | — | Charged when a payment to a credit card becomes overdue by 46 days. |
| Visa Chargeback Request Fee | Event | $25 | — | When a cardholder raises a dispute relating to a card transaction. |
| Collection Agent Administration Fee | Late payment | $100 | 90 days after due | Payable when a payment to a credit card becomes overdue for more than 90 days and we choose to engage an external collection agent. |
| Late Payment Notification Fee | Late payment | $5 | 11 days after due | Charged when a payment to a credit card becomes overdue by 11 days and 30 days. |
| Management Administration Fee | Late payment | $50 | 90 days after due | Charged monthly when a payment to a credit card becomes overdue by more than 90 days. |
| Credit Card Annual Fee | Periodic | $49 | Every 1 yr | Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month. |
| Card Replacement - Standard Fee | Replacement | $10 | — | For the replacement of a lost or damaged Visa Credit card. |
| Card Replacement - Urgent Fee | Replacement | $50 | — | For the urgent replacement of a lost or damaged Visa Credit card. |
| Declined Emergency Visa Card Fee | Replacement | $70 | — | Payable if your emergency card request is declined. |
| Emergency Card Replacement - Approved Fee | Replacement | $320 | — | For the issue of a temporary emergency Visa Credit card, to temporarily replace a lost, stolen or damaged Visa Credit card. |
| Statement Retrieval Fee | Replacement | $2.50 | — | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. |
| Visa Foreign Currency Conversion Fee | Transaction | No 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… |
| Bank@Post Withdrawal Fee | Withdrawal | $3 | — | Fee for cash withdrawals at Australia Post Offices. |
§ 03 — Features
Instant paymentsDigital bankingFraud protectionBalance transfers45 interest-free daysApple Pay, Google Pay & Samsung Pay
§ 04 — Eligibility & 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
§ 06 — Run the numbers
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.