Choose The Offer That Suits You Best

OFFER 1: Balance transfer offer
  • Card details
    Annual Fee $0
    Balance Transfer Rate1 0% p.a. for 12 months on balance transfers1 (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 18.99% p.a.
    Cash Advance Rate 20.99% p.a.
    Minimum Credit Limit $2,000
    Minimum Income $25,000

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

  • How much could you save?

    If you’re paying 20% p.a. interest on a $7,000 balance, you could save up to $1,324 with the 'long balance transfer offer'. Here’s how it works:

    Interest with another provider over 12 months: $1,324
    How much interest could you save3? Up to $1,324

    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.

OFFER 2: Purchase offer
  • Card details
    Annual Fee $0
    Balance Transfer Rate1 0% p.a. for 9 months on balance transfers2 (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 0% p.a. for 9 months on purchases2  (reverts to 18.99% p.a.).
    Cash Advance Rate 20.99% p.a.
    Minimum Credit Limit $2,000
    Minimum Income $25,000

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

  • How much could you save?

    If you’re paying 20% p.a. interest on a $7,000 balance, you could save up to $1,008 with the 'no fee & balance transfer offer'. Here’s how it works:

    Interest with another provider over 9 months: $1,008
    How much interest could you save3? Up to $1,008

    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 9 months, and no other transactions.

Card features and benefits

Fixed Payment Option 24

Reward yourself with a lower rate. Apply for an instalment plan that lets you pay off your card balance with certainty and allows you the potential to save on monthly interest that you may otherwise pay. Plus you can still enjoy interest free days on your other purchases made outside the Fixed Payment Option.
Learn more about Fixed Payment Option

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.

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. 

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

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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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