Low interest rates
Low variable rate on purchases and balance transfers.
Interest free
For up to 45 days on purchases.
Pay with your phone
Using Apple Pay, Google Pay or Samsung Pay.
Apply online
Complete your application online for a response in minutes.
Choose the credit card that's right for you
Visa Classic
An affordable, no-frills credit card, ideal for people who value simplicity and a low interest rate.
- $49 annual fee
- $1,000 minimum credit limit
- Platinum benefits
Visa Platinum
Our low rate credit card with the frills. Included are a suite of insurance plans and platinum services.
- $99 annual fee
- $6,000 minimum credit limit
- Platinum benefits
How does the interest free period work?
An interest-free period is a block of time when interest is not charged on a new sale. The interest free period is up to 45 days. The interest-free period will continue to apply as long as you pay your closing balance in full by the due date each month.
For example, if you buy a gift on the 20th of the previous month, you will have up to the 28th of the next month interest free. That's 38 days interest free.
If you buy groceries on the 12th of this month, you would have up to the 28th of this month interest free. That's 16 days interest free.
You must make your payment between the 15th of the month and the 28th of the month.
Even more reasons to apply for a credit card
Leave your credit card at home
Sick of bulky wallets? Pay with your phone using your digital card.
Digital banking options
Quick and easy to apply online
How to apply for a credit card
We’ve made applying for a credit card easy as.
Apply online, 24/7
Complete your details, save and submit your application, upload your supporting documents and track your application.
If you’re an existing customer you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.
Apply in person or over the phone
Talk to a lending specialist and apply over the phone by calling our local contact centre on or pop into your nearest branch.
Applying for a credit card is quicker and easier when you've got the information you need, so be prepared with your:
- Identity documents – primary photo ID either your passport or driver's licence.
- Employment details – contact details of your current, and previous employer if less than 2 years.
- Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
- Regular expenses – such as food, rent, electricity, telco, insurance & medical costs.
- Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, pay later or other debts you have.
Got everything? Let’s get your application started.
We’ve made applying for a credit card easy as.
Apply online, 24/7
Complete your details, save and submit your application, upload your supporting documents and track your application.
If you’re an existing customer you can fast track your application by applying from internet banking. We’ll prefill the information we already have about you.
Apply in person or over the phone
Talk to a lending specialist and apply over the phone by calling our local contact centre on or pop into your nearest branch.
Applying for a credit card is quicker and easier when you've got the information you need, so be prepared with your:
- Identity documents – primary photo ID either your passport or driver's licence.
- Employment details – contact details of your current, and previous employer if less than 2 years.
- Income details – payslips or, if you're self-employed, tax assessments for the last two years and financial statements.
- Regular expenses – such as food, rent, electricity, telco, insurance & medical costs.
- Assets – a rundown of any assets that you own (any cars, deposit accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, pay later or other debts you have.
Got everything? Let’s get your application started.
Apply online. It’s quick and easy.
Complete, save, submit and track your application with Loan Tracker.
Apply on the phone or in person
Call us on 13 25 77 or talk to the team at your nearest P&N branch.
International travel card
If you're looking for a card for international travel, look no further than the Cash Passport.
Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.
Please consider the terms and conditions and whether a product is right for you.