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P&N Bank Visa Platinum Credit Card

1 review

Purchase rate

11.49% p.a.

Balance transfer

N/A

Annual fee

$99 p.a.
99% Complete (success)

Pros

Low purchase rate

Complimentary insurances

Cons

No rewards program

P&N Bank Visa Platinum Credit Card

The P&N Bank Platinum Credit Card features a low rate of 11.49% p.a. on purchases and comes with platinum benefits like Overseas travel insurance, Interstate flight insurance and Transport accident insurance. The annual fee is $99.

Key features

  • Annual fee of $99
  • Up to 45 days interest free on purchases only
  • Visa Platinum Concierge Service 24x7
  • Minimum credit limit of $6,000
  • Complimentary insurances like Overseas travel insurance, Interstate flight insurance, Extended warranty insurance, Purchase security insurance and Transport accident insurance.
100% of customers who have rated this card would recommend it
  • Rates
    82%
  • Fees
    56%
  • Rewards
    N/A
  • Customer Service
    70%
  • Value
    69%
Overall user rating 69%
1 reviews
Interest Rates
Purchase rate 11.49% p.a.
Cash advance rate 19.99% p.a.
Interest free on purchases up to 45 days
Balance Transfer
Credit limits
Minimum credit limit $6,000
Maximum credit limit N/A
Fees & repayments
Annual fee $99 p.a.
Additional cardholder fee Up to 3 - $0 p.a.
Cash advance fee N/A
Foreign transaction fee 3%
Late payment fee $5
Credit card type Visa
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Eligible with Apple Pay, Samsung Pay and Google Pay

The P&N Bank Visa Platinum Credit Card

With several platinum perks on offer, the P&N Bank Visa Platinum Credit Card is an appealing option for customers who want more from their credit card. Features include complimentary insurance covers, a platinum concierge and access to Visa Premium offers, all with a low ongoing purchase rate and a reasonable annual fee for a platinum offering.

What we love...

Comparing platinum cards, you may have noticed most have a rather high purchase rate. Not so, the P&N Bank Visa Platinum Credit Card. Offering a lovely low rate, this card offers a way for cardholders to save on interest if they carry a balance month to month, while still enjoying access to a range of platinum perks.

However, the interest savings don’t stop there. If you clear your balance each month by the due date, you can benefit from up to 45 days interest free on purchases. This can help you keep interest costs at zero, as long as you keep paying off that balance on time, while avoiding cash advances.

Of course, there is much more to this card than money saving. It couldn’t call itself a platinum card without offering one or two platinum benefits. First up, the card provides peace of mind with a range of complimentary insurance covers. While it’s important to read the terms to understand these covers fully, they could save you time and money on standalone plans.

Cover includes:

  • Overseas travel insurance
  • Interstate flight insurance
  • Extended warranty insurance
  • Purchase security insurance
  • Transport accident insurance

As a cardholder, you can also benefit from access to the Visa Platinum Concierge Service. Available 24 hours a day seven days a week, this service could help you with anything from travel bookings and restaurant recommendations, to theatre ticket reservations and gift ordering. You also have access to special lifestyle, entertainment and travel privileges through Visa Premium.

Misplaced your card? P&N Bank provides card replacements free of charge to platinum cardholders no matter where they are in the world. Also on offer is full card control, allowing for easy management of the card, including temporary locks and the ability to turn on and off features such as online transactions, overseas purchases and Visa payWave.

What’s not so great...

One thing some cardholders may miss on the P&N Bank Visa Platinum Credit Card is the ability to earn rewards. However, as a non-rewards earning card, it can offer a lower annual fee to cardholders who are not interested in earning rewards. Another thing to note on this card is the fact that it is only available to eligible applicants who are P&N Bank members, or those who reside in Western Australia.

Why should you choose this card?

Considering its reasonable annual fee – for a platinum card anyway – the P&N Bank Visa Platinum Credit Card could offer value to cardholders who want something more from their card. While it may not offer rewards, it provides some nice perks, alongside access to Visa’s global network.

As a Visa card, it also allows cardholders to benefit from handy features such as Visa payWave, Visa Zero Liability and Verified by Visa – and as an added bonus, the card offers compatibility with Apple Pay, Google Pay and Samsung Pay.

Offering a minimum credit limit of $6,000, the card has the following eligibility requirements:

  • You must reside in Western Australia or be an existing P&N Bank member,
  • You must be 18 years of age or older,
  • You must be an Australian citizen or permanent resident,
  • You must have a regular income.

Overall Rating

With a low purchase rate and a reasonable annual fee, the P&N Bank Visa Platinum Credit Card provides an enticing range of extras while helping to keep costs down.

(showing the latest 10 Q&As)

  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • You have your personal details ready to complete the online application
P&N Bank Visa Platinum Credit Card
P&N Bank Visa Platinum Credit Card

P&N Bank Visa Platinum Credit Card

Updated 18 June 2019

Purchase Rate (p.a)

11.49%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$99

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low purchase rate
  • Complimentary insurances

  • No rewards program

Creditcard.com.au review

Editor Review

The P&N Bank Visa Platinum Credit Card

With several platinum perks on offer, the P&N Bank Visa Platinum Credit Card is an appealing option for customers who want more from their credit card. Features include complimentary insurance covers, a platinum concierge and access to Visa Premium offers, all with a low ongoing purchase rate and a reasonable annual fee for a platinum offering.

What we love...

Comparing platinum cards, you may have noticed most have a rather high purchase rate. Not so, the P&N Bank Visa Platinum Credit Card. Offering a lovely low rate, this card offers a way for cardholders to save on interest if they carry a balance month to month, while still enjoying access to a range of platinum perks.

However, the interest savings don’t stop there. If you clear your balance each month by the due date, you can benefit from up to 45 days interest free on purchases. This can help you keep interest costs at zero, as long as you keep paying off that balance on time, while avoiding cash advances.

Of course, there is much more to this card than money saving. It couldn’t call itself a platinum card without offering one or two platinum benefits. First up, the card provides peace of mind with a range of complimentary insurance covers. While it’s important to read the terms to understand these covers fully, they could save you time and money on standalone plans.

Cover includes:

  • Overseas travel insurance
  • Interstate flight insurance
  • Extended warranty insurance
  • Purchase security insurance
  • Transport accident insurance

As a cardholder, you can also benefit from access to the Visa Platinum Concierge Service. Available 24 hours a day seven days a week, this service could help you with anything from travel bookings and restaurant recommendations, to theatre ticket reservations and gift ordering. You also have access to special lifestyle, entertainment and travel privileges through Visa Premium.

Misplaced your card? P&N Bank provides card replacements free of charge to platinum cardholders no matter where they are in the world. Also on offer is full card control, allowing for easy management of the card, including temporary locks and the ability to turn on and off features such as online transactions, overseas purchases and Visa payWave.

What’s not so great...

One thing some cardholders may miss on the P&N Bank Visa Platinum Credit Card is the ability to earn rewards. However, as a non-rewards earning card, it can offer a lower annual fee to cardholders who are not interested in earning rewards. Another thing to note on this card is the fact that it is only available to eligible applicants who are P&N Bank members, or those who reside in Western Australia.

Why should you choose this card?

Considering its reasonable annual fee – for a platinum card anyway – the P&N Bank Visa Platinum Credit Card could offer value to cardholders who want something more from their card. While it may not offer rewards, it provides some nice perks, alongside access to Visa’s global network.

As a Visa card, it also allows cardholders to benefit from handy features such as Visa payWave, Visa Zero Liability and Verified by Visa – and as an added bonus, the card offers compatibility with Apple Pay, Google Pay and Samsung Pay.

Offering a minimum credit limit of $6,000, the card has the following eligibility requirements:

  • You must reside in Western Australia or be an existing P&N Bank member,
  • You must be 18 years of age or older,
  • You must be an Australian citizen or permanent resident,
  • You must have a regular income.

Overall Rating

With a low purchase rate and a reasonable annual fee, the P&N Bank Visa Platinum Credit Card provides an enticing range of extras while helping to keep costs down.

User reviews

P&N Bank Visa Platinum Credit Card ( based on 1 Creditcard.com.au user review )

69% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 11.49% p.a.

Cash advance rate 19.99% p.a.

Interest free on purchases up to 45 days

Credit limits

Minimum credit limt $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee Up to 3 - $0 p.a.

Foreign transaction fee 3%

Minimum repayment

Cash advance fee N/A

Late payment fee $5

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance Yes

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

Eligible with Apple Pay, Samsung Pay and Google Pay

Overview

P&N Bank Visa Platinum Credit Card

The P&N Bank Platinum Credit Card features a low rate of 11.49% p.a. on purchases and comes with platinum benefits like Overseas travel insurance, Interstate flight insurance and Transport accident insurance. The annual fee is $99.

Key features

  • Annual fee of $99
  • Up to 45 days interest free on purchases only
  • Visa Platinum Concierge Service 24x7
  • Minimum credit limit of $6,000
  • Complimentary insurances like Overseas travel insurance, Interstate flight insurance, Extended warranty insurance, Purchase security insurance and Transport accident insurance.

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

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(showing the latest 10 Q&As)

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