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 2019 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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

  • $30.00

  • 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
6.4/10
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 3 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 3 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 4 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 4 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 4 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.

See Virgin Money credit cards

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity High Flyer Card

20.74% p.a.

0% p.a. for 15 months and then 20.99% p.a.

$289

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

20.74% p.a.

0% p.a. for 22 months and then 20.99% p.a. (1.00% balance transfer fee)

$129 $64 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

21.49% p.a.

$199 $0 in the first year

Promoted

American Express

American Express

Qantas Ultimate Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$450

Promoted

ANZ

ANZ

Frequent Flyer Black

No current offer

20.24% p.a.

$425

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

Promoted

Latitude

Latitude

Low Rate Mastercard

No current offer

9.89% p.a.

$69

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

Promoted

Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

21.49% p.a.

$149 $49 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $199 in the first year

Promoted

American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

Promoted

Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

$425

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Escape Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

21.49% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

19.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

0% p.a. for 13 months then 21.49% p.a.

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 20.24% p.a.

$58

12.49% p.a.

Promoted

Citi

Citi

Clear Platinum Credit Card

0% p.a. for 9 months then 14.99% p.a.

$99 $0 in the first year

0% p.a. for 9 months and then 22.24% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

9.90% p.a.

$99 $0 in the first year

0% p.a. for 6 months and then 9.90% p.a. (2.00% balance transfer fee)

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

$69

No current offer

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.30% p.a.

$0

No current offer

Promoted

NAB

NAB

Low Fee Card

19.74% p.a.

$30

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

No current offer

$69

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 20.24% p.a.

$58

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.30% p.a.

No current offer

$0

Promoted

Citi

Citi

Clear Platinum Credit Card

0% p.a. for 9 months then 14.99% p.a.

0% p.a. for 9 months and then 22.24% p.a.

$99 $0 in the first year

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

9.90% p.a.

0% p.a. for 6 months and then 9.90% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months then 21.49% p.a.

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year