Virgin Money Australia
Virgin Money No Annual Fee Credit Card
Virgin Money Australia · cred and chrg cards
Provider last updated this product 2026-07-12.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 20.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| PURCHASE | 19.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| BALANCE TRANSFER | 20.99% | - | OTHER | OTHER | - | 7+ 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 | 6 months | 1 - 6 months | calculated daily, paid monthly |
| 0% p.a. for 6 months on balance transfers from approval. No 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. |
| Domestic Cash Advance above $100 | CASH_ADVANCE | 2.70% | Domestic cash withdrawals from your credit card. |
| 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. |
| Dishonour Fee | DISHONOUR | $15 | Fee for each time a cheque or Direct Debit payment is dishonoured. |
| International Cash Advance | CASH_ADVANCE | $5 | International cash withdrawals on your credit card. |
| International Transaction Fee | PURCHASE | 3.30% | For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant. |
| Domestic Cash Advance below $100 | CASH_ADVANCE | $2.70 | Domestic cash withdrawals from your credit card. |
| Over-the-Counter Fee (Bank@Post) | EVENT | $2.50 | - |
| Balance Transfer fee | TRANSACTION | 0.00% | 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
- No annual fee. Zip, Zilch, Zero, Nada.
- 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 - 25000.0000000000Minimum income required
- min age - 18You 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
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: 2026-07-12T23:59:15Z · Product ID: 8db23721-102c-ee11-9965-002248e1d56c