Balance transfer
Purchase rate
Annual fee
- 0% p.a. interest for 24 months with a balance transfer. With a 1% balance transfer fee. Reverts to cash advance rate - For every $1 you spend on the card earn 1 Virgin Money Point, with no limit to the points. - $0 additional cardholder fee.
0% p.a. for 24 months. With a 1% balance transfer fee. Reverts to cash advance rate.
Up to 55 days free on interest. You will be charged interest on retail purchases while you have a balance transfer.
1 Virgin Money Point per $1 spent on Eligible Transactions, uncapped.
Main features
Rate type | Rate % | Duration |
---|---|---|
Purchases | 19.99% p.a. | - |
Fees
Fee type | Fee % | Min fee $ |
---|---|---|
Cash advances | 20.99% | - |
Fixed Fees
Fixed fees | Fee $ | Fee amount |
---|---|---|
Annual fee | $149 | per year |
Monthly fee | - | - |
0% interest on balance transfers for 24 months, with a 1% fee.
55 interest-free days on purchases while you have a balance transfer.
Earn 1 Virgin Money Point per $1 spent on eligible spending, uncapped
Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, from the date the balance transfer is processed, and the balance transfer fee (if applicable). At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a.
You can earn Bonus Points through offers from selected partners when you shop online at participating retailers
Earn 1 Virgin Money Point for every $1 spent on Eligible Transactions. There is no limit to the amount of points you can earn. Points will be transferred to your Virgin Money Rewards account within 15 Business Days after an Eligible Transaction has been processed by us.