PAYMENTS

Repayment options to pay your card account

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Pay bills with your card

It’s important to know that not all billers accept bill payments via credit card via BPAY. As a general rule if a biller charges a surcharge for credit card payments, then BPAY is not allowed. You can check if your biller accepts credit card payments via BPAY at bpay.com.au. Find your biller then check what payment methods they accept.

If your biller does accept credit card BPAY payments, then log into your Virgin Money Internet Banking and go to: Pay & Transfer > Pay a bill, and then enter the Biller and Reference codes as detailed on your bill and confirm the transaction.

Minimum monthly repayments

You must pay the Minimum Payment Due by the Payment Due Date each month as advised in your statement. The Minimum Payment Due is:

I. the greater of:

a.$25, or if the card balance is less than $25, the card balance; or

b.2.00% of the card balance as at the end of the Statement Period (rounded up to the nearest dollar);

II. plus any Monthly Instalment, initial interest charge, Fixed Payment Option fee or related interest on any of them, that is part of a Fixed Payment Option for that month.

Interest free period

You’ll enjoy interest free days on retail purchases when you pay your Interest Free Days Payment from your statement of account by the Payment Due Date. No interest free period is available on Cash Advances or Balance Transfers.

Digital Wallets

Apple Pay

The easy and secure way to pay with your iPhone, iPad, Apple Watch and Mac.³⁶

Samsung Pay

An easier, faster and secure way to pay, using your compatible Samsung device at point of sale terminals where you can swipe or tap your card.³⁷

Google Pay

Enjoy the convenient and secure checkout with your phone everywhere Google Pay is accepted. ⁴⁰

Learn more

Financial Difficulty Assistance

We understand that you may experience a change in your life causing financial difficulty. We are here to understand your situation and tailor our solutions to best suit your individual needs. So, whether your situation is caused by unemployment, injury or illness, divorce, a natural disaster or an unexpected reduction in your income, or for other reasons, we are here to help you get back on track.

Visit the Financial Difficulty support page{external-link} for more information.

Options to manage your credit card account

You can manage your credit card account via:

• Virgin Money Mobile app
  Check you balance, pay bills and keep up to date with your latest transactions and statements whole on the move. To get started:

  1. Download the Virgin Money app from the App Store or Google Play Store
  2. From the home screen, select 'Exisitng customers, this way!'
  3. Enter your mobile number - this should be the mobile number linked to your Virgin Money credit card account
  4. You'll be sent a One-Time PIN - enter the PIN as requested
  5. Then follow the prompts and enter the information requested
  6. Confirm acceptance of the terms and conditions and your card will be linked to your mobile app

If you prefer to manage your credit card via the browser, you can register for Virgin Money Internet Banking - if you haven't already.

• Virgin Money Internet Banking:
  Log in to your online account{external-link}, to access a wide range of services such as:
  - Check your Account information
  - View your details, activity and statement
  - Pay your bills via BPAY up to your Credit Card limit
  - Update your contact details
  - And lots more...
• The Virgin Money Credit Cards Team
  Call them on 13 37 39, or +61 2 8288 2222 if you're overseas. They're available 8am to 8pm Monday-Friday, 9am to 5pm Saturday (AEST) and closed National Public Holidays.