Virgin Money Anytime Rewards Credit Card
Our highest Virgin Money Points earning credit card. Earn 1 Point for every $1 you spend on the card, with no limit to the points you can rack up.
- Purchase rate
- 19.99%
- Annual fee
- $149.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate. | 0% | — | Promotional Balance Transfer Period |
| Balance transfer Earn 60,000 Bonus Virgin Money Points13 (when you spend $3,000 or more in the first 90 days from approval). 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies. Reverts to the cash advance rate. | 0% | — | Promotional Balance Transfer Period |
| Purchase Up to 55 days Interest free on retail purchases | 19.99% | — | — |
| Cash advance | 20.99% | — | — |
| Balance transfer Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period. | 20.99% | — | Standard Balance Transfer Period |
Fees
| Fee | Type | Amount |
|---|---|---|
| Paper Statement Fee Charged monthly · For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances | Ongoing | $2.00 |
| Overlimit Fee Fee per statement period when your credit limit is exceeded | Event | $40.00 |
| Domestic Cash Advance above $100 Domestic cash withdrawals from your credit card. | Cash advance | 2.7% of transaction |
| International Cash Advance International cash withdrawals on your credit card | Cash advance | $5.00 |
| International Transaction Fee For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant | Purchase | 3.3% of transaction |
| Over-the-Counter Fee (Bank@Post) | Event | $2.50 |
| Annual Fee Charged yearly · Annual fee charged on the card. |
Features
- Balance transfers
- Interest-free transfers — 12 months
- 0% p.a. for 12 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to cash advance rate.
- Interest-free transfers — 24 months
- 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to cash advance rate.
- Additional cards — up to 4
- $0 Annual additional cardholder fee
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Digital wallet — Samsung Pay
Eligibility
- Minimum age — 18 yearsYou must be at least 18 years of age to apply for a credit card
- Residency status — Australian Citizen or permanent residentAustralian Citizen or permanent resident
- Minimum income — $35,000.00 p.a.Minimum income required
Constraints
- Minimum limit — $6,000.00Minimum credit limit
More Information
Published by Virgin Money under the Consumer Data Right · Last updated 12 July 2026 · Product ID 085dd673-e910-ef11-9f89-002248921877 · View on CDR.gov.au