Low purchase rate
Competitive variable interest rate for purchases and balance transfers.
Up to 45 interest-free days
When you pay off your balance in full every month.
The world in your pocket
Accepted by tens of millions of merchants worldwide.
Platinum perks
More benefits. More offers. More global support.
Platinum perks that are easy to love
With a low interest rate and extras combined, our Visa Platinum Credit Card is hard to resist. You can have your cake and eat it too – global platinum benefits from a low-cost credit card.
You can apply for a Visa Platinum Credit Card online easily and get a response in minutes. Or, you can chat with our friendly team in Perth to apply over the phone or in-branch.
Make life easier, wherever you are
- Minimum credit limit $6,000.
- Minimum repayment at just 3% of your balance or $10.00, whichever is the greater.
- Up to 45 days interest free when you pay off your statement balance owing by the due date each month.
- Make local or overseas purchases online and in-store using your Visa Credit card, including payWave.
- Tap and pay securely with your smartphone using Apple Pay, Google Pay™ or Samsung Pay.
- Take control with card controls. Block transactions such as online, overseas or Visa payWave.
- Lost your card? Lock it temporarily while you look for it, or cancel it online and request a new one – you’ll get a new digital card instantly.
- Shop with confidence knowing you’re covered by Visa's Zero Liability policy and Verified by Visa. No worries about fraudulent transactions here.
Platinum benefits and perks
- The more you use our Visa Platinum Credit Card, especially when you’re travelling in Australia or overseas, the more lifestyle, entertainment and travel benefits and rewards you’ll enjoy.
- Complimentary travel insurance, purchase warranties and more.
- 24/7, around-the-world emergency support and assistance, including emergency cash.
- Get a replacement card anytime, anywhere in the world, so you’ll never be cardless.
- Visa Premium lifestyle, entertainment and travel deals, offers, discounts and privileges.
- Visa Platinum Concierge, your 24/7 digital personal assistant and lifestyle guide, giving you access to extraordinary experiences and exclusive privileges.
Rates & fees
Low fees. Great rates. Great for balance transfers too.
Interest rates
| Purchase rate | Cash advance rate | Balance transfer rate |
|---|---|---|
| 11.99% p.a. | 19.99% p.a. | 11.99% p.a. |
| Fee type | |
|---|---|
| Annual fee | $99.00 |
| Cash advance (domestic & overseas) | $5.00 |
| Card replacement - standard | $10.00 |
Other fees & charges that apply to all of our accounts can be found on our fees and charges page.
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.
We're here to help
Talk to us
Whether you’d prefer to chat to us over the phone, in person, or online, you can get in touch.
Get answers online
We’ve got heaps of info and answers to your questions in our comprehensive help centre.
Your credit card questions answered
The Visa Platinum Credit Card has benefits provided through Visa Premium that range from special lifestyle, entertainment and travel privileges to 24/7 concierge services.
The card also comes with a range of complimentary insurance plans and a warranty on purchases made using your card.
Learn more about the complimentary insurance plans (PDF, 397 kB)
To avoid paying interest on your credit card purchases, you'll need to pay off the balance, as it stands on the 14th of the month, in full by the 28th of the month. That effectively gives you up to 45 days interest-free for purchases made from the 15th of the previous month to the 28th of the current month.
Cash advances are different as there is no interest-free period on them. So, if you withdraw funds from an ATM or transfer funds out of your Visa account, then interest will accrue from the date of the transaction.
You can apply for a credit card with P&N Bank to pay out an existing credit card with another bank or lender. This could help you better manage your repayments if you're moving to a lower interest rate.
You can apply online, over the phone or at your nearest branch.
Find out more about applying for a credit card.
Life’s complicated enough, so we like to keep things simple.
We have two Credit Cards to choose from:
- the Visa Platinum Credit Card which gives you Platinum perks for a low fee, and
- the Visa Classic Credit Card which is a no-frills credit card with an even lower fee.
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.
- View Credit Card Conditions of Use
- View Credit Card Account Access Conditions of Use
- View Visa Classic Credit Card Fact Sheet
- View Visa Platinum Credit Card Fact Sheet
- View credit guide
- View Target Market Determinations (TMDs)
- View Visa Platinum Credit Card Insurance - Policy Information Booklet - PDF, 397 kB