---
title: "Virgin Money Low Rate 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/8cb23721-102c-ee11-9965-002248e1d56c
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T03:56:39Z
---

# Virgin Money Low Rate 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**

At 12.99% p.a. lower your interest, not your standards.

## At a glance

- **Purchase rate:** 12.99%
- **Annual fee:** $99.00

## 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 (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 | 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 25+ months |

## 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 |
| 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 |
| 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 |
| Domestic Cash Advance below $100 — Domestic cash withdrawals from your credit card. | Cash advance | $2.70 |
| Domestic Cash Advance above $100 — Domestic cash withdrawals from your credit card. | Cash advance | 2.7% of transaction |
| Balance Transfer fee — The balance transfer fee is 3% of the balance transferred | Transaction | 3% of transaction |

## 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.)
- **Digital wallet** — Samsung Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Apple 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 (You can earn loads of Virgin Money Bonus Points from a range of partner offers, all from the palm of your hand in the Rewards Hub of the Virgin Money app.)
- **Low ongoing variable purchase rate of 12.99% p.a.**
- **For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.**

## Eligibility

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

## Constraints

- **Minimum limit** — $2,000.00 (Minimum credit limit)

## More information from Virgin Money

- [Overview](https://www.virginmoney.com.au/credit-cards/low-rate-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/low-rate-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: `8cb23721-102c-ee11-9965-002248e1d56c`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/virgin-money/8cb23721-102c-ee11-9965-002248e1d56c
- 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/8cb23721-102c-ee11-9965-002248e1d56c) — 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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