A $49 annual fee and a 11.99% p.a. purchase rate as of 18 September 2026. The fee ranks 15th lowest of 100 cards tracked by BankMate. There is no sign-up bonus on offer.
Annual fee over time
Annual fee- P&N Bank Visa Classic
Changes
No changes recorded for this product since tracking began on 10 September 2026.
Fees
- Annual fee
- $49
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Late payment fee
- $5
Earning
- Rewards program
- None
Interest
- Purchase rate
- 11.99% p.a.
- Cash advance rate
- 19.99% p.a.
- Interest-free days
- Up to 45
Perks
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Visa
Eligibility
- Minimum credit limit
- $1,000
- Maximum credit limit
- $100,000
About this product
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.