Virgin Money No Annual Fee Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free55
- Balance transfer60
- No annual fee62
Customer reviews
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Pros & cons
What's good
- 6 months at 0% p.a. on balance transfers, shorter than the 12-month median (no transfer fee, reverts to 20.99% p.a.).
- No annual fee.
- No fee to add an additional cardholder.
Worth noting
- The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $2,000 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $25,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 20.99% p.a.
- Purchases
- 19.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- 2.7% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $30
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
- Can't transfer from
- Virgin Money
- Limit
- Up to your available credit limit
- Period
- 6 months
- Promotional rate
- 0% p.a.
- Revert rate
- 20.99% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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- Virgin Money No Annual Fee Credit CardvsBank Australia Low Rate Visa Credit Card
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- Virgin Money No Annual Fee Credit CardvsBankVic Low Rate Visa
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- Virgin Money No Annual Fee Credit CardvsBankwest Zero Classic Mastercard
- Virgin Money No Annual Fee Credit CardvsBankwest Zero Platinum Mastercard
- Virgin Money No Annual Fee Credit CardvsBendigo Bank Ready Credit Card
Browse by card type
Compare the Virgin Money No Annual Fee Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Virgin Money