Virgin No Annual Fee Credit Card – Purchase Offer

No longer offered in the market

Virgin No Annual Fee Credit Card - Purchase Offer is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Virgin Money credit cards here.

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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

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Product NameVirgin No Annual Fee Credit Card - Purchase Offer - DISCONTINUED
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 rate0% p.a. for 9 months, reverts to 18.99% p.a.
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate20.99% p.a.
Min credit limit$2,000
Max credit limit$10,000
Card typeVisa
Foreign currency conversion fee3.3%
Minimum income$25,000
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
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3.3%
Cash advance fee2.7% or $2.70, whichever is greater
Overseas cash advance fee5%
Additional cardholder fee$0
Number of additional cardholders4

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 . 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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