No Annual Fee Card card image

Virgin Money No Annual Fee Card

Advertiser disclosure
Purchase rate
0% p.a. for 12 months then 18.99% p.a.
Balance transfer rate
0% p.a. for 12 months and then 20.99% p.a.
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Virgin Money No Annual Fee Card - last updated: 12 April 2021

binocular icon
What's hot
  • $0 annual fee for the life of the card
  • 0% p.a. balance transfer rates for 12 months (then 20.99% p.a.)
  • 55 interest free days
What's not
  • 20.99% p.a. 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 55 interest free days on your purchases, and you can use the card anywhere in the world where Visa is accepted.

key icon
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 0.00% p.a for the first 12 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% p.a. until it's cleared.

Purchases are also free for the first 12 months before reverting to 18.99% p.a., while cash advances are charged at 20.99%. As long as you pay your balance in full each month, you'll get up to 55 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.

snapshot
Who is it good for

This card could be a good options if you're looking for a no strings attached credit card for both online and in store shopping.

question icon
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% p.a. cash rate.

Details

Rates and fees information correct as at 17 September 2021 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.

0% p.a. for 12 months

0% p.a. for 12 months and then 20.99% p.a.

yes

20.99% p.a.

55

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

Apple Pay, Samsung Pay

Customer Reviews

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

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Virgin Money No Annual Fee Card Credit Card

About Virgin Money