Virgin Money No Annual Fee Card

18.99% p.a.

6.90% p.a. for 36 months and then 20.99% p.a.

$0

n/a

Virgin Money No Annual Fee Card

18.99% p.a.

6.90% p.a. for 36 months and then 20.99% p.a.

$0

n/a

Mozo Review   Virgin Money No Annual Fee Card Review

Last updated: 20 September 2018.

What's hot:
  • $0 annual fee for the life of the card

  • 6.90% balance transfer rate for 36 months

  • 44 interest free days

What's not:
  • 20.99% cash advance rate

Mozo snapshot:

If you're on the hunt for a straight up credit card, and you're diligent about paying off your balance in full each month, the Virgin Money No Annual Fee card won't cost you a cent. Firstly, there is no annual fee for the life of the card, you get up to 44 interest free days on your purchases, and you can use the card anywhere in the world where Visa is accepted.

Key features:

Aside from not having to pay any yearly fees, the Virgin Money No Annual Fee Credit Card also has a balance transfer offer of 6.90% p.a for the first 36 months. Then, be diligent in paying it off in the intro period that you qualify for otherwise you'll find yourself paying the high cash advance rate of 20.99% until it's cleared.

Purchases are charged at 18.99% and cash advances at 20.99%. As long as you pay your balance in full each month, you'll get up to 44 days interest free.

When you use your Virgin Money credit card overseas you'll be charged a foreign currency exchange fee of 3.30% of the transaction amount.

There isn't a rewards program tied to the No Annual Fee card but fashionistas will be spoilt for choice with 2 colours available with this card.

Who it's good for:

Anyone that wants a no strings attached credit card for shopping online or in store may do well with this card.

Any catches?

It's worth pointing out again that with the Virgin Money No Annual Fee Card any remaining balance at end of the balance transfer intro period will get charged at the high 20.99% cash rate.

Details

Rates and fees information correct as at 17 October 2018.

Rates
  • 18.99% p.a.

  • none

  • 6.90% p.a. for 36 months and then 20.99% p.a.

  • yes

  • 20.99% p.a.

  • 44

Fees
  • $0.00

  • none

  • none

  • none

  • $10.00

  • 2.7%, Min $2.70

  • 3.30%

  • $7.00

  • $7.00

  • $0.00

Features
  • $30.00

  • 2.0

  • yes

  • none

Payment options

Samsung Pay

Customer Reviews

How are Virgin Money credit cards rated by the Mozo community?

Overall customer rating
5.8/10
Price
6.1/10
Features
6.3/10
Customer service
5.5/10
Convenience
5.5/10
Trust
5.7/10

Latest reviews of Virgin Money No Annual Fee Card

  • Overall
    10/10
    Friendly and helpful staff

    I have been dealing with Virgin Money with ease and the staff have always been friendly and...

    I have been dealing with Virgin Money with ease and the staff have always been friendly and helpful. When things got a bit hard to meet payment, they were great at providing me with other alternatives. I highly rate their customer service.

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Kim | New South Wales

    reviewed almost 2 years ago

  • Overall
    9/10
    No Charges

    Price
    10/10
    Features
    10/10
    Customer service
    8/10
    Convenience
    4/10
    Trust
    8/10

    Nick | Victoria

    reviewed over 2 years ago

  • Overall
    8/10
    Good app on iPhone

    No annual fees.

    No annual fees.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10

    Helen | Queensland

    reviewed almost 3 years ago

  • Overall
    1/10
    Just don't.

    I went overseas and faxed (yes, faxed in this day and age) a signed form requesting my wife be...

    I went overseas and faxed (yes, faxed in this day and age) a signed form requesting my wife be added as a signatory. That was over a month ago, the card still hasn't arrived. She had a car accident and needed access to the credit card , but guess what, Virgin Money failed to do their jobs causing massive stress and inconvenience. Their web banking is also right out of 1996.

    Price
    4/10
    Features
    2/10
    Customer service
    0/10
    Convenience
    2/10
    Trust
    2/10

    Jonathan | Victoria

    reviewed almost 3 years ago

  • Overall
    8/10
    Happy with product

    No fee card suits my needs. Plenty of other ways to collect points, so don't need the bells and...

    No fee card suits my needs. Plenty of other ways to collect points, so don't need the bells and whistles.

    Price
    9/10
    Features
    6/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    8/10

    Sally | New South Wales

    reviewed about 3 years ago

Virgin Money

About Virgin Money

Virgin Money is a financial services company that differentiates itself with a high focus on customer service and a strong brand. It aims to offer great value banking and insurance products designed around what customers really want. In Australia, Virgin Money's banking products include savings accounts, credit cards, super and it also has a range of general insurance products including home and contents, car and travel insurance.

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