Virgin Money No Annual Fee Credit Card
Introducing our No Annual Fee credit card, where you'll enjoy all the advantages of having a credit card without having to pay an annual fee. Zip, Zero, Zilch, Nada. Absolutely nothing. So go ahead and make the switch to the card that makes nothing of it.
- Purchase rate
- 19.99%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer 0% p.a. for 6 months on balance transfers from approval. No balance transfer fee applies. Reverts to the cash advance rate. | 0% | — | Promotional Balance Transfer Period |
| Purchase | 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 |
| Late Payment Fee 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 |
| International Cash Advance International cash withdrawals on your credit card. | Cash advance | $5.00 |
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 — 6 months
- 0% p.a. for 6 months on balance transfers from approval. No balance transfer fee applies.
- Digital wallet — Apple Pay
- Digital wallet — Samsung Pay
- Digital wallet — Google 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.
Eligibility
- Minimum income — $25,000.00 p.a.Minimum income required
- 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
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 8db23721-102c-ee11-9965-002248e1d56c · View on CDR.gov.au