Virgin Money Credit Cards - Low Rate Card

At 11.99% p.a. lower your interest, not your standards.

Low Rate Credit Card

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Enjoy a low ongoing variable purchase rate, plus 0% p.a. for 14 months on balance transfers1 and half the annual fee for life.

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 14 months on balance transfers1 (reverts to cash advance rate)
  • Half annual fee for life - that's an annual saving of $50
  • 10% cash back (capped at $100 total) on spend in the first 3 months from card approval7

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Enjoy 10% cashback when you spend in the first 3 months from card approval. The cashback will be credited to your account and is capped at a total of $100. No interest free days apply to retail purchases while you have a balance transfer.

Rates, annual fee & limits

Annual fee $49 Additional card fee $29
Purchase rate 11.99% p.a. Interest free days on retail purchases8 (unless you have a balance transfer) 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.

Fraudshield®

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. 

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.

Virgin Money Credit Cards - Compare our Virgin Money credit cards

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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 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date.

Please note this is in addition to any International Transaction Fee that may be payable.
International Transaction Fee

We charge you an International Transaction Fee of 3.3%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1% 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 or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants).  The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia.
Dishonour Fee $15 each time a cheque or Direct Debit payment is dishonoured
Late Payment Fee

For payment due dates before 1 May 2019: $10 if your Payment Due isn’t paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due Date is made. 

For payment due dates on and after 1 May 2019: $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.
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
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.

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.

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