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P&N Bank Visa Classic Credit Card

The P&N Bank Visa Classic Credit Card offers . Ongoing benefits include a low ongoing interest rate.


Updated 8 May 2025


Fact checked and verified. Updated 8 May 2025
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Expert Review

The P&N Bank Visa Classic credit card is P&N Bank's low interest rate product. Featuring a competitive Purchase interest rate of 11.99% p.a., which is P&N Bank's lowest, and including up to 45 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 10% lowest purchase rates. Further, the product has a $49 annual fee. As a result, this card ranks among the lowest 25% annual fee products.

Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive. Other benefits include no additional cardholder fees.

To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
An affordable, 'no frills' credit card ideal for people who value a low interest rate."
- P&N Bank
Rewards

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No rewards program

Fees
Account Fees

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$49 annual account fee

Transaction Fees

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3.00% international transaction fee

Other fees may apply.

Rates

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11.99% p.a. variable purchase rate

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19.99% p.a. variable cash advance rate

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Up to 45 interest free days on purchases

Offers
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the P&N Bank website.

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