P&N credit cards
2 credit cards. Ranked by bonus net of first-year fee · of 66 bonus cards.
- Annual fee
- $49
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- None
- Purchase rate
- 11.99% p.a.
- Cash advance rate
- 19.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- None
- Purchase rate
- 11.99% p.a.
- Cash advance rate
- 19.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
No changes recorded for P&N's credit cards since tracking began on 10 September 2026.
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare credit cards · Card report
Notes on P&N credit cards
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As of 1 November 2026, P&N has two credit cards tracked by BankMate. From the provider's Consumer Data Right feed, refreshed nightly.