Thumbnail icon for Virgin Money

Virgin Money No Annual Fee Card

Purchase rate
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
Go to site

Mozo editorial review Virgin Money No Annual Fee Card

Last updated: 21 November 2019.

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What's hot
  • $0 annual fee for the life of the card
  • 0.00% balance transfer rate for 12 months
  • 55 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 55 interest free days on your purchases, and you can use the card anywhere in the world where Visa is accepted.

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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% 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 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.

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Who is it good for

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

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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 24 October 2020 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

  • 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

Samsung Pay

Customer Reviews

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

Overall
5.7/10
Price
6.1/10
Features
6.2/10
Customer service
5.5/10
Convenience
5.5/10
Trust
5.7/10

Latest reviews of Virgin Money No Annual Fee Card

  • Overall 2/10
    Bizarre and worrying security check.

    Bizarre application. I called to follow up my online application and was asked for my 5th previous residence (I couldn't recall the street number). Also I have had my electricity provider for the last 3 residences and he asked how about before that? I offered to give him my current address and he said not required!

    Read full review

    Bizarre application. I called to follow up my online application and was asked for my 5th previous residence (I couldn't recall the street number). Also I have had my electricity provider for the last 3 residences and he asked how about before that? I offered to give him my current address and he said not required!

    Price
    8/10
    Features
    1/10
    Customer service
    0/10
    Convenience
    2/10
    Trust
    3/10
    Less
    Mark, Queensland reviewed 7 months ago
  • Overall 4/10
    No annual fee but poor application process.

    Whilst the card has no annual fee and everything can be done via online, I found the whole application process to be so time consuming, they never had everything in order, had to send paperwork in multiple times, it took way longer than it should have and that still leaves a sour taste in my mouth.

    Read full review

    Whilst the card has no annual fee and everything can be done via online, I found the whole application process to be so time consuming, they never had everything in order, had to send paperwork in multiple times, it took way longer than it should have and that still leaves a sour taste in my mouth.

    Price
    5/10
    Features
    2/10
    Customer service
    2/10
    Convenience
    5/10
    Trust
    5/10
    Less
    Melanie, Tasmania reviewed 9 months ago
  • Overall 10/10
    Great no annual feel credit card.

    Great phone app which is easy to use. Increased my limit easily.

    Read full review

    Great phone app which is easy to use. Increased my limit easily.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Vanessa, New South Wales reviewed 12 months ago
  • Overall 10/10
    Friendly and helpful staff

    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.

    Read full review

    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
    -
    Less
    Kim, New South Wales reviewed almost 4 years ago
  • Overall 9/10
    No Charges

    Price
    10/10
    Features
    10/10
    Customer service
    8/10
    Convenience
    4/10
    Trust
    8/10
    Less
    Nick, Victoria reviewed over 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.

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