P&N Bank
P&N Bank Visa Classic
P&N Bank · cred and chrg cards
Provider last updated this product 2026-06-28.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| BALANCE TRANSFER | 11.99% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| We 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. Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| CASH ADVANCE | 19.99% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
| PURCHASE | 11.99% | - | UNCONSTRAINED | UNCONSTRAINED | - | - | calculated daily, paid monthly |
| Up to 45 days Interest free if you pay off your balance in full each month Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Bank@Post Withdrawal Fee | WITHDRAWAL | $3 | Fee for cash withdrawals at Australia Post Offices. |
| Visa Chargeback Request Fee | EVENT | $25 | When a cardholder raises a dispute relating to a card transaction. |
| 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. |
| Declined Emergency Visa Card Fee | REPLACEMENT | $70 | Payable if your emergency card request is declined. |
| 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. |
| Credit Card Annual Fee | PERIODIC | $49 | Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month. |
| Visa Foreign Currency Conversion Fee | TRANSACTION | $0 | 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 for more information. |
| 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. |
| 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. |
| Late Payment Notification Fee | LATE_PAYMENT | $5 | Charged when a payment to a credit card becomes overdue by 11 days and 30 days. |
| Notice of Demand Fee | EVENT | $75 | Charged when a payment to a credit card becomes overdue by 46 days. |
| Management Administration Fee | LATE_PAYMENT | $50 | Charged monthly when a payment to a credit card becomes overdue by more than 90 days. |
| Collection Agent Administration Fee | LATE_PAYMENT | $100 | Payable when a payment to a credit card becomes overdue for more than 90 days and we choose to engage an external collection agent. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 11.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- natural personMember must be a natural person rather than another legal entity.
- otherCredit eligibilty criteria, terms and conditions, fees and charges apply.
- otherYou must be or become a P&N Bank member
- residency status - Personal Lending is not available for non-residents.
Limits
- max limit - 100000.00Maximum loan amount is $100,000
- min limit - 1000.00The minimum credit limit is $1,000
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-06-28T16:00:22.3851793Z · Product ID: 41