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Virgin No Annual Fee Credit Card – Purchase Offer

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Save with 0% interest on purchases and balance transfers for the first 9 months and a $0 annual fee.

The Virgin No Annual Fee credit card offers a variety of features without the cost of an annual fee. You can take advantage of the 0% p.a. introductory offer on purchases and balance transfers for up to 9 months, with no balance transfer fee when you apply by 30 June 2020.

0% p.a.

Balance transfer rate

for 9 months

0% p.a.

Purchase rate

for the first 9 months (reverts to 18.99% p.a.)

$0 p.a.

Annual fee

55 days

Interest free period


Product NameVirgin No Annual Fee Credit Card - Purchase Offer
Balance transfer rate0% p.a. for 9 months
Balance Transfer Revert RateCash Advance Rate (20.99% p.a.)
Balance Transfer Limit80% of available limit
Purchase rate (p.a.)0% for 9 months, reverts to 18.99% p.a.
Annual fee$0 p.a.
Interest free period55 days
Cash advance rate (p.a.)20.99% p.a.
Min credit limit$2,000
Max credit limit$10,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3.3%
Complimentary travel insuranceNo
Minimum Income$25,000
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • $0 annual fee for the life of the card
  • 0% p.a. interest rate for the first 9 months on purchases
  • 0% p.a. interest rate for up to 9 months on balance transfers, with no balance transfer fee


  • Any outstanding balance amount that isn't paid off during the introductory period will be charged interest at the cash advance rate
  • Although the card is issued by Virgin Money, you will not earn Velocity Points for your spending
Annual fee$0 p.a.
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee (Visa/Mastercard)3.3%
Cash Advance Fee2.7% or $2.70, whichever is greater
Overseas cash advance fee5%
Additional cardholder fee$0
Number of Additional Cardholders4

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

Expert review

The Virgin No Annual Fee credit card is a no frills product that can help you cut down on credit card costs, with an ongoing $0 annual fee. If you want to make new purchases on this card, the introductory offer will help you save on interest charges in the first 9 months. Keep in mind, however, that you still have to make minimum monthly repayments during this time – and interest will apply at the end of the introductory period.

How to apply

You can apply for the Virgin No Annual Fee credit card and complete the secure online application in 10 minutes. Before you apply, check that you meet the eligibility criteria and have the required information ready to go.

Eligibility criteria

  • Income. You must earn at least $25,000 p.a. to apply for this card. You must also be employed in a permanent full-time or part-time position, or be self-employed.
  • Residential status. You must be a permanent Australian resident or citizen.

Card benefits

  • $0 annual fee. Pay no annual fee ever with the Virgin No Annual Fee Card. This could save you money compared to other credit cards that charge a yearly account fee.
  • 0% p.a. for 9 months on purchases. Buy now and pay later with a 0% p.a. purchase interest rate for the first 9 months when you apply and get approved by 30 June 2020. After the introductory period, any unpaid balance from your purchases is charged interest at the 18.99% p.a. purchase rate. Note that you still need to meet the minimum monthly repayment amount that is listed on each credit card statement. At the end of the introductory period, any remaining balance from your purchases will attract the card's purchase rate of 18.99% p.a.

Rates & fees

  • Interest rates. Outside of any promotions, this credit card charges a purchase rate of 18.99% p.a. and a cash advance rate of 20.99% p.a. (variable).
  • Up to 55 interest-free days. You can save with up to 55 days interest-free on purchases provided that you pay your balance in full by the due date on each statement. Please note that you are not eligible for interest-free days while you are carrying debt from a balance transfer.

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