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Virgin Money No Annual Fee Card - 0% p.a. for
12 months on balance transfers (3% BT fee applies, Reverts to cash advance rate)

Virgin Money No Annual Fee Card - 0% p.a. for
12 months on balance transfers (3% BT fee applies, Reverts to cash advance rate)

Product Image

Purchase Rate
18.99 %
p.a.




Cash Advance Rate 20.99% p.a.
Interest Free Up to 44 days
Annual Fee$0
Balance Transfer Rate 0% p.a.for first 12 months

  • $0 annual fee for the life of the card.
  • 0% p.a. for 12 months on balance transfers (3% BT fee applies, Reverts to cash advance rate)
  • Enjoy up to 44 days interest free on purchases, not available if you have any outstanding balances.
  • BT fee refunded on $2,000 spend on eligible purchases in the first 3 months from card approval.
  • Offer valid from 1 August 2017 to 31 October 2017.
  • A great purchase rate of 18.99% p.a.
  • For purchases of up to $100, now you can simply wave and go anywhere that has a Visa payWave sensor, making payments easy and convenient.
  • Access to the Virgin family benefits.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Annual Fee $0 Minimum Repayment Greater of 2% or $30
Annual Fee First Year $0 Interest Charged From Statement Date
Rewards Joining Fee Late Payment Fee $10
Supplementary Card Fee $0    
Duplicate Statement Fee Overseas ATM Balance Fee
Transaction Verification Fee Overseas ATM Withdrawal Fee
Over Limit Fee $40 Overseas Emergency Card Replacement Fee

Terms & Conditions
All interest rates shown are variable. This information is correct at 1 August 2017. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of new card application, for the period shown, from the date the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card, Virgin Money No Annual Fee Card and 21.69% p.a. for the Virgin Money Low Rate Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 1 August 2017. This offer is valid from 1 August 2017 to 31 October 2017. For the Virgin Money No Annual Fee Card balance transfer offer a 3% balance transfer fee applies. The balance transfer fee is charged once only and is added to your balance transfer amount at the time we process your request. 0% p.a. on Purchases for new Virgin Australia Velocity Flyer Credit Card customers only for the period shown above from the date your account is approved. At the end of the promotional period Purchase amounts revert to the retail purchase rate, currently 20.74% p.a. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. Interest rates are variable and subject to change. The interest rates are current as at 1 August 2017. This offer is valid for applications submitted from 1 August 2017 to 31 October 2017. The example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. The promotional period is the period of the balance transfer offer shown. The rate, balance, interest and potential savings calculations in the table above are examples only. The estimate savings amount is based on a $7,000 balance transfer at an interest rate of 20% p.a. when compared to the balance transfer offer shown. The respective balance transfer fees (3% for the Virgin Money No Annual Fee Card) have been applied to the savings amount shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate. 3% BT fee refund is available for new approved customers only who apply by 31 October 2017 and spend a minimum of $2,000 on eligible purchases on the card within 3 months of card approval date. Eligible purchases means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, and transactions made in operating a business. The refund will be credited to the primary card holder’s account within 8 to 10 weeks after the qualifying purchases are made. The fee will only be refunded once per account and is not available to existing customers. This offer is subject to change without notice at the discretion of Virgin Money, is non-transferrable and can't be used in conjunction with other promotions or offers.


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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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