Our Low Rate credit card is about as low as you can go. It has one of the lowest, ongoing variable purchase rates in the market. Plus, a low balance transfer rate to help you control your money and save on interest. That’s why we rate it so highly!

Virgin Money Credit Cards - Low Rate Card: Promotional Offer

Promotional Offer

  • Low ongoing variable purchase rate of 11.99% p.a.
  • 0% p.a. for 12 months on balance transfer1 (reverts to cash advance rate)

Apply now

Get one of the lowest ongoing variable purchase rates around at 11.99% p.a. Plus no interest on balance transfers for 12 months (reverts to cash advance rate).

Rates, annual fee & limits

Annual fee $99 Additional card fee $29
Purchase rate 11.99% p.a. Interest free days on purchases8 Up to 448
Cash advance rate 21.69% p.a. Balance transfer rate at end of offer period Reverts to cash advance rate
Minimum credit limit $6,000 Minimum income required $35,000

Fees common across all our credit cards listed further down this page

Card features and benefits

Visa payWave

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


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. 

Virgin Money Credit Cards - Compare our Virgin Money credit cards

Compare our Virgin Money credit cards

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Virgin Money Credit Cards - Calculate your balance transfer savings

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Fees common across all our credit cards

A Cash Advance Fee ‐ (Domestic) On a cash advance less than $100: $2.70 per transaction
On amounts of $100 and over: 2.7% of the transaction amount
A Cash Advance Fee ‐ (International) $5.00 per transaction ‐ Note: withdraw limit of $1,000 cash per day (subject to your Available Cash limit)
International Transaction Fee

We charge you an international transaction fee of 3.3%, of which a 1% service and assessment fee is payable by Us to Visa, for any retail purchase or cash advance transaction in:

  • Foreign currency once converted to Australian dollars; and/or
  • Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located overseas.

Note: It may not always be clear that the merchant or its financial institution/payment processor is located outside Australia.

Dishonour Fee $15 each time a cheque or Direct Debit payment is dishonoured
Late Payment Fee $10 if your Payment Due isn't paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due is made.
Overlimit Fee $40 per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012.
Over-the-Counter Fee (Bank@Post) $2.50 per transaction
Information Request and Statement Copies

$7 per additional statement or document copy
Paper Statement Fee For Flyer and High Flyer credit cards, each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances.