Important disclosure
P&N Bank & Visa Platinum
Purchase Rate
Purchase Rate
7.02%
p.a
Balance Transfer Rate
Balance Transfer Rate
7.02%
p.a
Purchase Rate
7.02%
p.a
Balance Transfer Rate
7.02%
p.a
Annual Fee
$99
Pros and cons
For & Visa Platinum
Benefits
- Ongoing variable purchase rate ranked in the best 20%
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Rental car excess insurance
- Concierge
- Purchase protection insurance
Drawbacks
- No reward program
P&N Bank Rate Credit card overview
For & Visa Platinum
Details
Card Level Platinum | Card Type Visa |
Interest Free Days Interest Free Days 45 | Minimum monthly repayment 3% |
Minimum credit limit $6k | Maximum credit limit No set max |
Free supplementary cards | Instant Approval |
Target Market Determination Visit P&N Bank to view Target Market Determination. |
Fees
Annual Fee Annual Fee $99 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $5 |
Over limit fee $5 | Duplicate statement fee $6 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 7.02% p.a |
Cash advance rate 19.99% p.a |
Cash advance fee $5 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 7.02% p.a |
Transfer Limit 100% of the approved credit limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name |
Rewards Available |
Eligibility
Minimum age 18 |
Minimum income $50k |
Eligibility conditions Have a regular income |
Residency |
Perks
- DOMESTIC TRAVEL INSURANCE
- INTERNATIONAL TRAVEL INSURANCE Available with an excess of A$200 on any claim
- FREE SUPPLEMENTARY CARDS
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
- RENTAL CAR EXCESS INSURANCE Covers up to $5000 per journey
- CONCIERGE
- PURCHASE PROTECTION INSURANCE Cover lasts for 90 days per year
