P&N Bank Visa Classic

credit card

Visa Classic is a credit card from P&N Bank, as the bank publishes it in its product data. Its purchase rate is 11.99% and its card fee $49 a year. It ranks 19th of 52 issuers for a personal card by lowest purchase rate.

What the feed states

Purchase rate

11.99%

Cash advance rate

19.99%

Interest-free days

up to 45

Card fee

$49 a year (Credit Card Annual Fee)

Foreign transaction fee

$0

Cash advance fee

$5

Late payment fee

$5

Digital wallets

Apple Pay, Google Pay, Samsung Pay

Additional cardholders

offered

Credit limit

$1,000 to $100,000

Minimum age

18

Scheme

Visa

Conditions and offers

• credit limit $1,000 to $100,000
• 3% foreign currency conversion fee
• $5 late payment notification fee at 11 and 30 days overdue, $75 notice of demand at 46 days, $50 a month after 90 days
• no interest-free period on cash advances

Who can apply, in the bank's words

• Credit eligibilty criteria, terms and conditions, fees and charges apply.
• You must be or become a P&N Bank member

About this card

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.

Data

• P&N Bank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-05.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/p-n-bank.json: this issuer's cards as JSON; P&N Bank's page lists them.
• The bank last updated this record on 2026-11-03; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at P&N Bank

• Visa Platinum credit card, 11.99%, $99 a year