Virgin Money No Annual Fee Credit Card 0% p.a. for 9 Months on Purchases and Balance Transfer Offer | Compare, Review & Apply

Virgin Money No Annual Fee Credit Card 0% p.a. for 9 Months on Purchases and Balance Transfer Offer

Offer
Card features
required income
purchase rate
annual fee
Apply
Virgin Money No Annual Fee Credit Card 0% p.a. for 9 Months on Purchases and Balance Transfer Offer
Apply by 31 aug 20
Virgin Money No Annual Fee Credit Card 0% p.a. for 9 Months on Purchases and Balance Transfer Offer
0% p.a. for 9 months on purchases (reverts to 18.99% thereafter).
$0 annual fee for the life of the card.
0% p.a. for 9 months on balance transfers (reverts to 20.99% thereafter).
Add to comparison
$25,000
9 months
0% p.a.
then 18.99%
$0
ongoing

Pros & cons

What's good?

What's not so good?

0% p.a. for 9 months on purchases (reverts to 18.99% thereafter).
$0 annual fee for the life of the card.
0% p.a. for 9 months on balance transfers (reverts to 20.99% thereafter).
Up to 55 days on purchases on purchases when you pay off your credit card balance each month.
For purchases of up to $100, you can use the Visa payWave feature.
No extra cost to have up to 4 additional cardholders for family.
Take advantage of a Fixed Payment Option.
Any balance that was transferred that remains after the offer ends will revert to the cash advance rate, currently 20.99% p.a.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
Good
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$25,000
Minimum income for pensioners
Same as standard
Pensioners
Yes
Rewards program
None
Temporary residents
N/A

Cardholders

Additional cardholders
4
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$2,000
Maximum credit limit
$10,000

Repayments

Interest charged from
Statement date
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.9 months0%80% of credit limit20.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Yes
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the Virgin Money No Annual Fee Credit Card 0% p.a. for 9 Months on Purchases and Balance Transfer Offer at the promotional balance transfer rate from:

  • Bank of Queensland
  • Virgin Money

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.9 months0%80% of credit limit 20.99% p.a.
Purchases0% p.a.9 monthsN/AN/A 18.99% p.a.

Ongoing interest rates

MonthlyAnnually
Cash advances 1.75% 20.99% p.a.
Purchases 1.58% 18.99% p.a.

Fees

Annual fee
$0 p.a.
Cash advance fee
whichever is greater, $2.70 or 2.7%
Dishonour fee
$15
Duplicate statement fee
$7
Foreign exchange fee
3.3%
Late payment fee
$30
Over limit fee
$40
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
N/A
Transaction verification fee
$7

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $25,000 per year
Have a good credit history
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Age Pension, Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Carer's Allowance, Child Support Payments, Family Tax Benefits and Parenting Payments and Foster Care Allowance are acceptable.
Joint applications are not allowed
Youth Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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