Introducing our No Annual Fee credit card, where you’ll enjoy all the advantages of having a credit card without having to pay an annual fee. Zip, Zero, Zilch, Nada. Absolutely nothing. So go ahead and make the switch to the card that makes nothing of it.

Virgin Money Credit Cards - No Annual Fee Card: Promotional Offer

Promotional Offer

  • No annual fee
  • 0% p.a. for 12 months on balance transfers1 (3% BT fee applies)
  • BT fee refund if you spend $2,000 on eligible purchases in the first 3 months from card approval4

Apply now

Pay no annual fee ever and get 0% p.a. for 12 months on balance transfers1 (3% BT fee applies. Reverts to cash advance rate). Minimum Credit Limit of $6,000 applies for this offer29. Fee refunded if you spend $2,000 on eligible purchases in the first 3 months from card approval4.

How much could you save with this offer?

If you’re paying 20% p.a. interest on a $7,000 balance, you could save up to $1,114 with the Virgin Money No Annual Fee Card balance transfer offer. Here’s how it works:

$7,000 Balance Transfer
Interest with other provider over 18 months Interest and 3% BT fee with Virgin Money over 12 months
How much interest could you save3?
$1,324
$210
Save up to $1,114

This savings estimate is based on a $7,000 balance transfer at an interest rate of 20% p.a. compared to the balance transfer offer shown and assumes minimum monthly payments made as due for 12 months, and no other transactions. Excludes Annual Fees and the refund of your BT fee if you spend $2,000 in the first 3 months4.

Rates, annual fee & limits

Annual fee $0 Additional card fee $0
Purchase rate 18.99% p.a. Interest free days on purchases8 Up to 44*
Cash advance rate 20.99% p.a. Balance transfer rate at end of offer period Reverts to cash advance rate
Minimum credit limit $6,000
applies for this offer29
Minimum income required $25,000

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

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.

Virgin Money Credit Cards - Compare our 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) $5.00 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.