Virgin Money Australia
Virgin Money Low Rate Credit Card
Virgin Money Australia · cred and chrg cards
Provider last updated this product 2026-08-05.
Go to provider
You'll complete your application on
Virgin Money Australia's website. Confirm the rate and fees with them
before applying.
At 12.99% p.a. lower your interest, not your standards.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 21.69% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| PURCHASE | 12.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| BALANCE TRANSFER | 21.69% | - | OTHER | OTHER | - | 25+ months | calculated daily, paid monthly |
| Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period. | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 24 months | 1 - 24 months | calculated daily, paid monthly |
| 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Paper Statement Fee | PERIODIC | $2 | 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. |
| Overlimit Fee | EVENT | $40 | Fee per statement period when your credit limit is exceeded. |
| International Cash Advance | CASH_ADVANCE | $5 | International cash withdrawals on your credit card. |
| Dishonour Fee | DISHONOUR | $15 | Fee for each time a cheque or Direct Debit payment is dishonoured. |
| Over-the-Counter Fee (Bank@Post) | EVENT | $2.50 | - |
| Annual Fee | PERIODIC | $99 | Annual fee charged on the card. |
| International Transaction Fee | PURCHASE | 3.30% | For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant. |
| Late Payment Fee | LATE_PAYMENT | $30 | 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. |
| Domestic Cash Advance below $100 | CASH_ADVANCE | $2.70 | Domestic cash withdrawals from your credit card. |
| Domestic Cash Advance above $100 | CASH_ADVANCE | 2.70% | Domestic cash withdrawals from your credit card. |
| Balance Transfer fee | TRANSACTION | 3.00% | The balance transfer fee is 3% of the balance transferred |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- 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.
Who can apply
- min income - 35000.0000000000Minimum income required
- residency status - Australian Citizen or permanent residentAustralian Citizen or permanent resident
- min age - 18You must be at least 18 years of age to apply for a credit card
Limits
- min limit - 2000.0000000000Minimum credit limit
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-08-05T03:56:39Z · Product ID: 8cb23721-102c-ee11-9965-002248e1d56c