Virgin Money Australia
Virgin Money No Annual Fee Credit Card
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.
Credit cardsBank updated 13 July 2026
At a glance
- Purchase rate
- 19.99%
- Cash advance
- 20.99%
- Interest-free days
- 55
- Foreign transaction fee
- 3.30%
- Rewards
- Virgin Money Rewards
- Balance transfer
- 0.00% for 6 mo
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer0% p.a. for 6 months on balance transfers from approval. No balance transfer fee applies. Reverts to the cash advance rate. | — | 6 mo intro | — | 0.00% | — | — |
| Balance transferBalance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period. | — | 7 mo intro | — | 20.99% | — | — |
| Cash advance | — | — | — | 20.99% | — | — |
| Purchase | — | — | — | 19.99% | — | — |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Domestic Cash Advance above $100 | Cash advance | 2.70% of transaction | — | Domestic cash withdrawals from your credit card. |
| Domestic Cash Advance below $100 | Cash advance | $2.70 | — | Domestic cash withdrawals from your credit card. |
| International Cash Advance | Cash advance | $5 | — | International cash withdrawals on your credit card. |
| Dishonour Fee | Dishonour | $15 | — | Fee for each time a cheque or Direct Debit payment is dishonoured. |
| Over-the-Counter Fee (Bank@Post) | Event | $2.50 | — | — |
| Overlimit Fee | Event | $40 | — | Fee per statement period when your credit limit is exceeded. |
| Late Payment Fee | Late payment | $30 | 1 days after due | 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. |
| Paper Statement Fee | Periodic | $2 | Every 1 mo | 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. |
| International Transaction Fee | Purchase | 3.30% of transaction | — | For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant. |
| Balance Transfer fee | Transaction | 0.00% of transaction | — | The balance transfer fee is 3% of the balance transferred |
§ 03 — Features
Balance transfersInstalment plans55 interest-free daysApple PaySamsung PayGoogle PayVirgin Money Rewards
- · 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.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Citizen or permanent resident
- · Minimum income $25,000
- · Amount $2,000 to no maximum
§ 06 — Run the numbers
Put this product through a calculator
Published by Virgin Money under the Consumer Data Right, last changed by them on 13 July 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.