Virgin Money Anytime Rewards Credit Card
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CardIQ
Basic
Overall score, out of 100 · How this works
- Balance transfer52
- Frequent flyer34
- Rewards33
- Sign-up bonus40
- Velocity Points34
Customer reviews
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Pros & cons
What's good
- 60,000 bonus points to start, worth around $600 at our 1c-per-point valuation.
- 12 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 21.99% p.a.).
- Points transfer to 6 rewards programs, including Accor Live Limitless (ALL), Etihad Guest and Marriott Bonvoy.
- No fee to add an additional cardholder.
Worth noting
- The 21.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- Earns 0.5 points per $1 on everyday spend, below the dataset average.
- 3% foreign transaction fee on overseas spending.
- Up to 44 interest-free days on purchases (below the 55-day median).
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Platinum
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $6,000 – $100,000
- Credit rating
- Good
- Rewards program
- Virgin Money Rewards
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $35,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 21.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $169 p.a.
- Cash advance fee
- 2.7% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $30
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
- Can't transfer from
- Virgin Money
- Limit
- Up to your available credit limit
- Period
- 12 months
- Promotional rate
- 0% p.a.
- Revert rate
- 21.99% p.a.
- Transfer fee
- 3%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 0.5 pts per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- —
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- 60,000 points
Transfer partners
- Accor Live Limitless (ALL)
- 3 pts → 1 pt (≈ 0.17 pts per $1)
- Etihad Guest
- 5 pts → 2 pts (≈ 0.2 pts per $1)
- Marriott Bonvoy
- 2 pts → 1 pt (≈ 0.25 pts per $1)
- Qatar Airways Privilege Club
- 3 pts → 1 pt (≈ 0.17 pts per $1)
- United MileagePlus
- 3 pts → 1 pt (≈ 0.17 pts per $1)
- Velocity Frequent Flyer
- 2 pts → 1 pt (≈ 0.25 pts per $1)
Where these points could take you
- Auckland
- Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts, Business 35,500 pts.
- Singapore
- Flying Singapore Airlines non-stop, using transferred Velocity points. Economy 29,000 pts.
Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- Virgin Money Anytime Rewards Credit CardvsAmerican Express Essential Rewards Credit Card
- Virgin Money Anytime Rewards Credit CardvsAmerican Express Explorer Credit Card
- Virgin Money Anytime Rewards Credit CardvsAmerican Express Platinum Card
- Virgin Money Anytime Rewards Credit CardvsAmerican Express Platinum Edge Credit Card
- Virgin Money Anytime Rewards Credit CardvsAmerican Express Velocity Escape Plus Card
- Virgin Money Anytime Rewards Credit CardvsAmerican Express Velocity Platinum Card
- Virgin Money Anytime Rewards Credit CardvsANZ First
- Virgin Money Anytime Rewards Credit CardvsANZ Frequent Flyer Black
- Virgin Money Anytime Rewards Credit CardvsANZ Frequent Flyer Platinum
- Virgin Money Anytime Rewards Credit CardvsANZ Low Rate - Credit Back Offer
- Virgin Money Anytime Rewards Credit CardvsANZ Platinum Credit Card
- Virgin Money Anytime Rewards Credit CardvsANZ Rewards Black Credit Card
Browse by card type
Compare the Virgin Money Anytime Rewards Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Credit card statistics for AustraliaHow CardIQ scores cards
- Issuer
- Virgin Money