P&N Bank Easypay VISA Credit Card – Review

Information verified correct on September 27th, 2016

The P&N Bank Easypay VISA Credit Card is one more service offered by the bank for the benefit of these fine public servants.

Important Information

The P&N Bank Easypay VISA Credit Card is no longer available for applications as this credit card is no longer available to new customers. The credit card cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.

If you would like to compare other options for low rate credit cards, click here.

Public servants are often unrecognised and underpaid. This can be especially true in the field of police work, where you put your life on the line every day to protect your neighbors and other citizens. Nurses, too, find themselves in a different kind of peril with the variety of diseases and viruses that permeate the region. With that in mind, Police & Nurses Mutual Banking offers a credit card especially designed to fulfill the needs of these specific professions.

P&N Bank Easypay VISA Credit Card review

Did you know that some people pay their monthly bills with their credit card? When you do that, you only have to write one cheque a month to cover all of your bills. Of course, the big question is, “Who would want to pay interest on their bills?” The answer to that is a P&N Bank Easypay VISA Credit Card, because it has a 45 day interest-free grace period. Whether or not you pay your monthly bills with a credit card is, of course, up to you, but a 45 day grace period makes it pretty easy to pay off small purchases before they earn interest.

Benefits of P&N Bank Easypay VISA Credit Card

  • Annual Fee. The P&N Bank Easypay VISA Credit Card has a number of features that make it competitive with other cards. The first benefit is its low annual fee. While other cards may have an annual fee of up to $150, your P&N Bank Easypay VISA Credit Card features an annual fee of only $40 p.a. This affordable amount brings all the conveniences of VISA name to your purchasing power. With this card, you can now make online purchases and reservations. You’ll have your confirmation code within seconds when you make hotel reservations, rather than waiting for days for a cheque to be delivered and processed. You can also make purchases over the telephone, too, with the information on the card, including the CVC code on the back.
  • Cash Advances. Other cards can make it hard for you to get emergency funds overseas, sometimes charging as much as $175 for a cash advance if you’re not in Australia, New Zealand, or NSW. With a P&N Bank Easypay VISA Credit Card, you pay only $5 for domestic and overseas cash advances.
  • Interest Rate. In addition to a modest annual fee and convenient cash advances, you also get one of the most competitive interest rates on the market today. At 11.49% p.a. interest, you can hardly go wrong on your new purchases.
  • The VISA Name. Another benefit of your P&N Bank Easypay VISA Credit Card is that the VISA name is recognised and honored all over the world. Anywhere you see the VISA logo, you can use your card for purchases or cash advances. That means that most ATMs across Australia will accept your VISA Credit Card.
  • Dual Account Access. Another option open to you with your P&N Bank Easypay VISA Credit Card is access to your savings account. You can set up an Access Saving Account, and use your credit card to access it in case of an emergency.

How to Apply for a P&N Bank Easypay VISA Credit Card

Application requirements

  • Age. You must be at least 18 years of age.
  • Australian resident. You need to be a permanent resident or citizen of Australia.
  • Western Australia resident. You need to be a resident of Western Australia (new members only).

If you are an eligible applicant, you will need to fill out the forms with the following information:

  • Personal details. This includes providing your name, driver’s license, date of birth and other details.
  • Employment details. Information regarding employment status, employer details, and so on need to be provided.
  • Address and contact details. Mobile phone, address, and residential status are required.
  • Monthly income and expenses. These include the income and expenses details about the applicant.
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6 Responses to P&N Bank Easypay VISA Credit Card – Review

  1. Default Gravatar
    John | December 16, 2015

    On December 18, 2015 I wish to pay a restaurant $1500.00. Can I pay that amount in ONE transaction on my P&N Visa Card? My card had no debt on it.

    • Staff
      Debbie | December 17, 2015

      Hi John,

      Thank you for your inquiry.
      Yes, you may charge it as one transaction. As long as there are sufficient funds in your account, you can make the payment or any purchase using your credit card.

      For a list of credit cards that let you earn rewards points for restaurant purchases, please refer to this page.
      I hope this helps.

      Cheers,
      Debbie

  2. Default Gravatar
    anthony | January 14, 2015

    can i cancelled my card

    • Staff
      Elizabeth | January 14, 2015

      Hi Anthony,

      Thanks for your question.

      You can cancel your credit card by getting in contact with Police and Nurses Mutual Bank – you can give them a call on 13 25 77. You might also want to take a look at this page on cancelling your credit card.

      I hope this has helped.

      Thanks,

      Elizabeth

  3. Default Gravatar
    Dave | March 3, 2014

    I can not find an emergency contact number for you guys anywhere, and when you ring the 1300 number it says we’re shut! What do you do when your account has been emptied and it’s after hours?

    • Staff
      Jacob | March 4, 2014

      Hi, Dave.

      Great question.

      I should say that finder.com.au is a comparison service and we do not have access to account information or the ability to block an account that has been compromised. We do have a 1300 number on our site, but we close up after business hours.

      You may want to try contacting Visa, the card scheme provider if you can’t get a hold of Police and Nurses Mutual Banking. However, I believe they offer a 24 hour service for customers in your situation. You can contact them on 13 25 77.

      I hope this has helped.

Credit Cards Comparison

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

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