In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Virgin Money Anytime Rewards Card

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Virgin Money Anytime Rewards Credit Card
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Terms and conditions apply
Balance transfer rate for 12 months with no balance transfer fee
0% p.a.
Bonus points
80,000
Purchase rate
19.99% p.a.
Reward point per $ spent
1

Our verdict

Earn 80,000 bonus Virgin Money Points and earn 1 point per dollar spent — uncapped.

This credit card is a good option for anyone looking to earn rewards points in a variety of ways while spending with the card. And there's no cap on the points you can earn. The annual fee is quite reasonable and the bonus points offer is generous.

The card has a few premium perks as well, like the Visa Platinum Concierge Service and other Visa Platinum benefits. You'll get the most out of this card if you shop online with participating retailers via the Virgin Money Rewards Hub.

Pros

  • 80,000 bonus Virgin Money Points
  • 1 Virgin Money Point per $1 spent on eligible spending, uncapped
  • 0% p.a. balance transfer offer for 12 months, with no balance transfer fee
  • Visa Platinum Concierge Service

Cons

  • High 20.99% p.a. interest rate for balance transfers after the introductory period
  • No complimentary international travel insurance
  • No interest-free days on purchases when you have a balance transfer

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

Details

Product details

Product Name Virgin Money Anytime Rewards Credit Card
Balance transfer rate p.a. 0% for 12 months, then 20.99%
Balance transfer limit 80% of available limit
Purchase rate p.a.
19.99%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 20.99%
Min credit limit $6,000
Card type Visa

Eligibility

Available to temporary residents No
Minimum income $35,000
Joint application No

Rewards

Rewards program Virgin Money Rewards
Bonus points 80,000
Rewards points per $ spent 1
Rewards points cap Uncapped

Fees

Annual fee
$149
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $30
Foreign currency conversion fee
3.3%
Cash advance fee 2.7% or $2.70, whichever is greater
Overseas cash advance fee $5
Additional cardholder fee $0
Number of additional cardholders 4

How to apply

You can apply for the Virgin Money Anytime Rewards Card in around 10 minutes. Before you get started, check that you meet the eligibility requirements and have all the necessary documents and details handy.

Eligibility criteria

  • New cardholder. The introductory offers are only available to new customers.
  • Residency. You must be an Australian citizen or a permanent resident.

Card benefits

  • 80,000 bonus points. Receive 80,000 bonus Virgin Money Points when spend at least $3,000 on eligible purchases within the first 3 months from card approval. Points will be credited to your account within 2 months after meeting the spend requirement. Offer commenced on 5 March 2024 and may be varied or withdrawn anytime.
  • Balance transfer offer. Get 0% p.a. interest on balance transfers for the first 12 months, with no balance transfer fee. After the introductory period, any remaining balances will attract the card's cash advance rate, currently 20.99% p.a. Offer commenced on 5 March 2024 and may be varied or withdrawn anytime.

Rates & fees

  • Annual fee. The Virgin Money Anytime Rewards Card charges an annual fee of $149.
  • Purchase rate. This card has a 19.99% p.a. interest rate for purchases, which is lower than the average standard rate according to the Reserve Bank of Australia.

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