Virgin Money Low Rate Credit Card
At 12.99% p.a. lower your interest, not your standards.
- Purchase rate
- 12.99%
- Annual fee
- $99.00
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 |
| Purchase | 12.99% | — | — |
| Cash advance | 21.69% | — | — |
| Balance transfer Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period. | 21.69% | — | 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 |
| International Cash Advance International cash withdrawals on your credit card. | Cash advance | $5.00 |
| Dishonour Fee Fee for each time a cheque or Direct Debit payment is dishonoured. | Dishonour | $15.00 |
| Over-the-Counter Fee (Bank@Post) | Event | $2.50 |
| Annual Fee Charged yearly · Annual fee charged on the card. | Ongoing | $99.00 |
| Additional Cardholder Fee Charged yearly · Fee charged for an additional card holder. |
Features
- Interest-free period — 55 days
- Up to 55 days on retail purchases No interest free days apply to purchases while you have a balance transfer.
- Balance transfers
- 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
- $29 additional cardholder fee applies. Charged annually.
- Digital wallet — Samsung Pay
- Digital wallet — Google Pay
- Digital wallet — Apple Pay
Eligibility
- Minimum income — $35,000.00 p.a.Minimum income required
- Residency status — Australian Citizen or permanent residentAustralian Citizen or permanent resident
- Minimum age — 18 yearsYou must be at least 18 years of age to apply for a credit card
Constraints
- Minimum limit — $2,000.00Minimum credit limit
More Information
Published by Virgin Money under the Consumer Data Right · Last updated 12 July 2026 · Product ID 8cb23721-102c-ee11-9965-002248e1d56c · View on CDR.gov.au