• Card details
    Annual Fee $99 (waived after your first year if you spend $9,600 or more on Eligible Transactions annually)4.
    Balance Transfer Rate13 0% p.a. for 15 months on balance transfers13 (1% BT fee applies). Reverts to cash advance rate.
    No interest free days apply while you have a balance transfer.
    Interest Free Days8 Up to 558
    No interest free days apply while you have a balance transfer.
    Purchase Rate 11.99% p.a.
    Cash Advance Rate 21.69% p.a.
    Minimum Credit Limit $6,000
    Minimum Income $35,000

    * You must pay your balance in full each month (including balances transferred) to receive interest free days

Card features and benefits

Samsung Pay

An easier, faster and secure way to tap and pay for purchases under $100*. Use your compatible Samsung device at point of sale terminals where you can swipe or tap your card.

More about Samsung Pay
*For purchases over $100, an ATM PIN is required for additional security.


Rest assured that we're on the case, to keep your card safe around the clock with Fraudshield®. As long as you keep your contact details up to date, we'll contact you if we detect any irregular transactions on your account. Our cards also come with Visa's Zero Liability policy12, ensuring you won't be held liable for fraudulent transactions made with your card. 

Visa payWave

For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient9.

More about Virgin Money Credit Cards

Balance transfer calculator

Calculate your balance transfer savings

Calculate now

Anytime, anywhere

Take charge of your Virgin Money credit card wherever you are, with the Virgin Money app. Check your balance, credit card statement information including minimum payment and due date, and pay bills, all on the go.