---
title: "Virgin Money Anytime Rewards Credit Card — Virgin Money"
description: "Credit & Charge Cards from Virgin Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/virgin-money/products/085dd673-e910-ef11-9f89-002248921877
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-17T01:56:33Z
---

# Virgin Money Anytime Rewards Credit Card — Virgin Money

> Credit & Charge Cards from Virgin Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Virgin Money Australia**

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.

## At a glance

- **Purchase rate:** 19.99%
- **Annual fee:** $149.00

## Apply

Applications are handled by the provider: [Apply at Virgin Money](https://application.virginmoney.com.au/virginmoney-form/virginmoney-card/virginmoney-card-apply?)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer (Earn 60,000 Bonus Virgin Money Points (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 1–12 months |
| 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 1–24 months |
| Purchase (Up to 55 days Interest free on retail purchases) | 19.99% | — | — |
| 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 13+ months |
| 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 25+ months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Domestic Cash Advance above $100 — Domestic cash withdrawals from your credit card. | Cash advance | 2.7% of transaction |
| 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 |
| 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. | Ongoing | $149.00 |
| Domestic Cash Advance below $100 — Domestic cash withdrawals from your credit card. | Cash advance | $2.70 |
| Late Payment Fee — 1 · Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. | Late payment | $30.00 |
| Dishonour Fee — Fee for each time a cheque or Direct Debit payment is dishonoured. | Dishonour | $15.00 |
| Balance Transfer fee — The balance transfer fee is 3% of the balance transferred | Transaction | 3% of balance |

## 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.)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Instalment plan** (Reward yourself with a lower rate. Apply for an instalment plan that lets you pay off your card balance with certainty and allows you the potential to save on monthly interest that you may otherwise pay. Plus you can still enjoy interest free days on your other purchases made outside the Fixed Payment Option.)
- **Loyalty program** — Virgin Money Rewards (Earn 1 Virgin Money Point for every $1 you spend on the card, with no limit to the points you can rack up.)
- **Interest-free period** — 55 days (Up to 55 days interest free for your purchases (Interest Free Days are not available if you have a Balance Transfer))
- **Imagine having first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.**
- **For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.**
- **Discounts on other products** — Personal Concierge (Take advantage of round-the-clock access to the Visa Platinum Concierge Service. It's the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world.)
- **Bonus rewards** — 60000 (Earn 60,000 Bonus Virgin Money Points when you spend $3,000 or more in the first 90 days from approval.)

## Eligibility

- **Minimum age** — 18 years (You must be at least 18 years of age to apply for a credit card)
- **Residency status** — Australian Citizen or permanent resident (Australian Citizen or permanent resident)
- **Minimum income** — $35,000.00 p.a. (Minimum income required)

## Constraints

- **Minimum limit** — $6,000.00 (Minimum credit limit)

## More information from Virgin Money

- [Overview](https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card)
- [Terms & conditions](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards)
- [Eligibility](https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card)
- [Fees & pricing](https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards)

## Data provenance

- Published by Virgin Money under the Consumer Data Right
- Product ID: `085dd673-e910-ef11-9f89-002248921877`
- Last updated by the provider: 17 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/virgin-money/085dd673-e910-ef11-9f89-002248921877
- Provider page: https://www.cdrcompare.au/brands/virgin-money
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000245

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/virgin-money/products/085dd673-e910-ef11-9f89-002248921877) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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