The Finance Algorithm
Virgin Money Australia logoVirgin Money Australia

Virgin Money Anytime Rewards Credit Card

Our highest Virgin Money Points earning credit card. Earn Virgin Money Points for every $1 you spend on the card, with no limit to the points you can rack up.

Credit cardsBank updated 30 Sept 2026
Apply at Virgin Money ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
21.99%
Cash advance
21.99%
Interest-free days
44
Annual fee
$169
Foreign transaction fee
0.00%
Rewards
Virgin Money Rewards
Balance transfer
0.00% for 1 yr
VMA Anytime Rewards Card Art

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 21.99%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers21.99%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions49th lowest of 51, level with one other
Rewards cardOngoing purchase rate on a card that earns points21.99%12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card20.99%of 25 institutions16th lowest of 25, level with one other
Interest-free daysDays without interest on purchases when the balance is paid in full44 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions37th longest of 42, level with 4 others

Rates

Every rate Virgin Money Australia publishes for this credit card, 6 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transferEarn 60,000 Bonus Virgin Money Points (when you spend $3,000 or more in the first 90 days from approval). 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies. Reverts to the c…-1 yr intro-0.00%--
Balance transferBalance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.-13 mo intro-21.99%--
Balance transfer0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate.-2 yrs intro-0.00%--
Balance transferBalance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.-25 mo intro-21.99%--
Cash advance---21.99%--
PurchaseUp to 55 days Interest free on retail purchases---21.99%--

Rate changes

4 changes logged, newest first.

DateRateWasNowChange
2 Oct 2026Balance transfer, 13 mo intro20.99%21.99%up 1.00
2 Oct 2026Balance transfer, 25 mo intro20.99%21.99%up 1.00
2 Oct 2026Cash advance20.99%21.99%up 1.00
2 Oct 2026Purchase19.99%21.99%up 2.00

Each change is logged the night it appears in the rates Virgin Money publishes. See how every lender answered the RBA on the rate tracker.

Fees

11 fees published, grouped by when they're charged.

While you hold it2

  • Annual Fee

    Annual fee charged on the card.

    $169 a year
  • Paper Statement Fee

    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

    $2 a month

When you make a transaction5

  • Domestic Cash Advance above $100

    Domestic cash withdrawals from your credit card.

    2.70% of transaction
  • Domestic Cash Advance below $100

    Domestic cash withdrawals from your credit card.

    $2.70
  • International Cash Advance

    International cash withdrawals on your credit card

    $5
  • International Transaction Fee

    For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant

    0.00% of transaction
  • Balance Transfer fee

    The balance transfer fee is 3% of the balance transferred

    3.00% of balance

If a payment is late or fails2

  • Dishonour Fee

    Fee for each time a cheque or Direct Debit payment is dishonoured.

    $15
  • Late Payment Fee

    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.

    $30 1 days after it's due

When particular things happen2

  • Over-the-Counter Fee (Bank@Post)
    $2.50
  • Overlimit Fee

    Fee per statement period when your credit limit is exceeded

    $40

Features

Balance transfersInstalment plans44 interest-free daysApple PayGoogle PaySamsung PayVirgin Money Rewards
  • Imagine having first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment to some of the biggest concerts, hottest shows and most exciting s…
  • For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Citizen or permanent resident
  • Minimum income $35,000
  • Amount from $6,000, no maximum

Published by Virgin Money under the Consumer Data Right, last changed by them on 30 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.