Our No Fee Credit Card Perks

No annual fee, ever.

Enjoy the perks of this credit card with none of the pesky annual fees. Zip, Zero, Zilch, Nad

Earn loads of Virgin Money Bonus Points

Access a range of partner offers through the Virgin Money app to earn Bonus Points4 and other epic benefits from brands like The ICONIC, Menulog and many more.

0% p.a. for 6 months on purchases2

Save on interest in your first 6 months from card approval. Rate reverts to 19.99% p.a. thereafter.


Latest Credit Card offer

Get 0% p.a. interest for 6 months2

Save on interest AND annual fees.

This offer on the No Annual Fee Card means you’ll get 0% p.a. for 6 months on purchases2 before it reverts to the ongoing purchase rate.

Apply now

  • Card details
    Annual Fee $0
    Interest Free Days8 Up to 55
    Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 0% p.a. for 6 months on purchases.2 Reverts to 19.99% p.a.
    Cash Advance Rate 20.99% p.a.
    Minimum Credit Limit $2,000
    Minimum Income $25,000

    More about rates and fees


Red Hot Partner Offers4:

You can earn loads of Virgin Money Bonus Points4 from a range of partner offers, all from the palm of your hand in the Rewards Hub of the Virgin Money app. 

More about Virgin Money Rewards

Download the Virgin Money app


More about Virgin Money Credit Cards

Virgin Money app

The Virgin Money app keeps you in the know, with a spend tracker, alerts and clever insights into your credit card spend – and more.

Digital wallet

Use your phone or wearable to pay from your credit card account, with Apple Pay36, Samsung Pay37 or Google Pay.40

Personal Concierge

Take advantage of round-the-clock access to the Visa Platinum Concierge Service.14 It's the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world.

Visa payWave

Pay for anything from coffee to a set of monogrammed bath towels with a simple wave of your Virgin Money Credit Card anywhere with a Visa payWave sensor.9


Your card is safe with Fraudshield®. If there are any unusual transactions on your account, we’ll reach out. And you won't be liable for fraudulent transactions made with your card.12

Visa Platinum Benefits

Enjoy first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment. Go to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.

Learn more

Want to know more?

using your credit card

How to use your credit card

Everything you need to know to set up and use your Virgin Money Credit Card. Sorted.

Learn more

credit card rewards and benefits

Card rewards and benefits

Take advantage of all the perks of your Virgin Money Credit Card.

Learn more

balance transfer

All about a balance transfer

How a balance transfer can help manage credit card repayments.

Learn more

balance transfer calculator

Balance transfer calculator

See what you could save on interest by transferring your balance.

Learn more


Want to chat?

Call us
Call us on 13 37 39
Operating hours
Monday to Friday: 8am - 8pm AEST Saturday: 9am – 5pm AEST


  • How do I link my credit card to the Virgin Money app?

    Download the Virgin Money app from the App Store or Google Play Store, open the app, select the ‘Existing customer, this way’ option, enter your mobile number then complete the steps to add your credit card details.

    If you're an existing Virgin Go Transaction account and/or Virgin Boost Saver or Grow Saver account customer, you can go to the account screen, select the + sign, select credit card and follow the steps.

    Download the Virgin Money app

  • How can I withdraw cash from my Virgin Money Credit Card?

    You can withdraw cash from an ATM or EFTPOS machine using your Virgin Money Credit Card and your ATM PIN – up to your available cash limit. You can withdraw a maximum of $1,000 cash per day.

    You can also withdraw cash at any Bank@Post Australia Post outlet with your Virgin Money Credit Card and your ATM PIN and also over the counter at any bank in the world that displays the VISA symbol. You'll need some photo ID.

    It's important to remember that the Standard cash advance fees and charges may apply when withdrawing cash from your Virgin Money Credit Card Account. See the fees and charges that apply to your card.

    See card rates and fees

  • How is my Credit Limit determined?

    Your Credit Limit is determined when we apply our credit assessment criteria to your individual financial situation. If your situation changes, it's important to give us a call on 13 37 39 and let us know so we can update your details.

  • How does the interest free period work?

    You'll enjoy interest-free days on all purchases, providing you repay the full balance on your card each month, excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date. 

    While you have a Balance Transfer, you won’t be eligible for any interest-free days. Interest free periods also don't apply to Cash Withdrawals or Bank Cheques. These transactions will incur interest from the date the transaction's made (regardless of whether the Account is repaid in full each month). You'll be charged interest on retail purchases if the statement's full closing balance is not repaid by the due date.

    The Interest Free Period is 55 days for any Virgin Money Anytime Rewards, Virgin Money Low Rate, Virgin Money No Annual Fee and Virgin Australia Velocity Flyer Credit Card Statements issued on or after 1 November 2019.

    The Interest Free Period is 44 days for any Virgin Australia Velocity High Flyer Credit Card Statements.