--- title: "P&N Bank Visa Platinum — P&N Bank" description: "Credit & Charge Cards from P&N Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/p-and-n-bank/products/40 source: "CDR Compare" language: en-AU last_updated: 2026-06-28T16:00:22.3851793Z --- # P&N Bank Visa Platinum — P&N Bank > Credit & Charge Cards from P&N Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** P&N Bank's Visa Platinum Credit Card offers flexible access to credit, up to 45 days interest free on purchases and other lifestyle features and benefits including insurance. ## At a glance - **Purchase rate:** 11.99% - **Annual fee:** $99.00 ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Balance transfer (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.) | 11.99% | — | — | | Purchase (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.) | 11.99% | — | — | | Cash advance (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 19.99% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Bank@Post Withdrawal Fee — Fee for cash withdrawals at Australia Post Offices. | Withdrawal | $3.00 | | Visa Chargeback Request Fee — When a cardholder raises a dispute relating to a card transaction. | Event | $25.00 | | Statement Retrieval Fee — Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 | | Declined Emergency Visa Card Fee — Payable if your emergency card request is declined. | Replacement | $70.00 | | 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. | Cash advance | $5.00 | | Credit Card Annual Fee — Charged yearly · Annual fee charged at the end of the month from the account opening, then every year at the end of anniversary month. | Ongoing | $99.00 | | 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 for more information. | Transaction | $0.00 | | Card Replacement - Standard Fee — For the replacement of a lost or damaged Visa Credit card. | Replacement | $10.00 | | Card Replacement - Urgent Fee — For the urgent replacement of a lost or damaged Visa Credit card. | Replacement | $50.00 | | 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. | Replacement | $320.00 | | Late Payment Notification Fee — 11 · Charged when a payment to a credit card becomes overdue by 11 days and 30 days. | Late payment | $5.00 | | Notice of Demand Fee — Charged when a payment to a credit card becomes overdue by 46 days. | Event | $75.00 | | Management Administration Fee — 90 · Charged monthly when a payment to a credit card becomes overdue by more than 90 days. | Late payment | $50.00 | | Collection Agent Administration Fee — 90 · 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 | $100.00 | ## Features - **Additional cards** (You can apply to add an additional card holder to your account at no additional charge. Please see our website for more information.) - **Card access** — Visa Platinum card with benefits and complimentary insurance plans (Make purchases online or in-store using your Visa Credit card, including paywave. Please visit our website for more information.) - **Digital banking** (Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.) - **Digital wallet** — Apple Pay, Google Pay & Samsung Pay (Make payments by adding your card to your digital wallet.) - **Fraud protection** (Shop safely with participating online merchants with Visa Secure and EFTPOS Secure. Please see the terms and conditions for more information.) - **Real-time payments (NPP)** (Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.) - **Balance transfers** (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.) - **Insurance included** — Receive complimentary travel insurance. Terms and conditions apply. - **Interest-free period** — 45 days (Up to 45 days interest free when you pay off your statement balance owing by the due date each month. Terms and Conditions apply.) - **Includes purchase warranties for eligible purchases. Terms and conditions apply.** ## Eligibility - **Minimum age** — 18 years - **Individuals only** (Member must be a natural person rather than another legal entity.) - **Credit eligibilty criteria, terms and conditions, fees and charges apply.** - **You must be or become a P&N Bank member** - **Residency status** — Personal Lending is not available for non-residents. ## Constraints - **Maximum limit** — $100,000.00 (Maximum loan amount is $100,000) - **Minimum limit** — $6,000.00 (Minimum credit limit of $6,000) ## More information from P&N Bank - [Overview](https://www.pnbank.com.au/cards/credit-cards/visa-platinum/) - [Terms & conditions](https://www.pnbank.com.au/important-information/terms-and-conditions/credit-card-conditions-of-use/) - [Fees & pricing](https://www.pnbank.com.au/help-and-support/fees/credit-cards/) ## Data provenance - Published by P&N Bank under the Consumer Data Right - Product ID: `40` - Last updated by the provider: 28 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/40 - Provider page: https://www.cdrcompare.au/brands/p-and-n-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000128 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/p-and-n-bank/products/40) — product data published by Australian data holders under the Consumer Data Right. 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