Virgin Money No Annual Fee Credit Card

On website

Virgin Money No Annual Fee Credit Card

Balance transfer

N/A

Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee for the lifetime of the card.
  • 0% p.a. for 6 months on purchases (reverts to 19.99% p.a.).
  • Up to 55 interest free days.

Pros and cons

Pros

  • No annual fee ever.
  • 0% p.a. interest rate for up to 6 months on purchases.
  • Up to 4 additional cards, also with $0 annual fee.

Cons

  • The revert interest rate for purchases are relatively high.

About this credit card

Basics

Card usage

Apple Pay Enabled
No
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$25,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$30,000.00

Repayments

Interest Charged From
Statement date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
20.99%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
20.99% p.a.
Cash Advance Fee
$2.70
Cash Advance Fee Percentage
2.7%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
0%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
19.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$2.00
Foreign Exchange Fee Percentage
3.3%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust


account

Reviewed by Credit Card Compare Staff

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

Easy and hassle-free basic credit card

Reviewed by Isabel


No annual Fee

Reviewed by Barry


Great card, easy to use

Reviewed by Lynette


Excellent card

Reviewed by Judy


Great card

Reviewed by Great Card


Very pleased with this card

Reviewed by Natalie Donsky


Staff are excellent at Virgin Money

Reviewed by Dee


An unforgiving provider

Reviewed by Greg


No annual fee winner!

Reviewed by Belinda


High interest, no rewards

Reviewed by Kim


Interest-free but useless customer service

Reviewed by Steff


I save on annual fees and charges

Reviewed by Renee


Great service, and no annual fee

Reviewed by Daryl


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