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Virgin Money Low Rate Credit Card

11 reviews

Apply by 31 August 2019

Virgin Money Low Rate Credit Card

Purchase rate

11.99% p.a.

Balance transfer

0% 14 months
0% Complete (success)
reverts to 21.69% p.a. No BT fee

Annual fee

$49 p.a.
49% Complete (success)

Pros

0% p.a. on balance transfers for 14 months

$49 annual fee ongoing - saving $50 per year - this is great!

Low purchase rate of 11.99% p.a.

10% cash back (capped at $100) on your spend for the first 3 months

Cons

After the balance transfer period has ended any unpaid balance reverts to the high cash advance rate

Additional cardholders cost $29 per card per year

Virgin Money Low Rate Credit Card

An obvious choice as a low rate credit card with half annual fee ongoing of $49 (saving $50 annually). If you currently have credit card debt outside of the Citi group you can get 0% p.a. on balance transfers for the first 14 months with no balance transfer fee (reverts to cash advance rate). If this isn’t enough you get 10% cash back (capped at $100 total) on your eligible spend in the first 3 months from card approval. Not to forget that this card has a low rate on purchases of 11.99% p.a. to sweeten this special offer further. Other features include up to 44 days interest free on purchases, irregular transaction detection with FraudShield, Visa Zero Liability and 24/7 account access.

Key features

  • Low ongoing variable purchase rate of 11.99% p.a.
  • 0% p.a. for 14 months on balance transfer (reverts to cash advance rate)
  • Pay half annual fee of $49 ongoing - saves you $50 per year
  • Get 10% cash back on your eligible spend in the first 3 months of card approval. Capped at $100 total.
  • Additional card holder fee of $29
  • Up to 44 days interest free on purchases
custom Image

Pay only half the annual fee ongoing

$49 annual fee ongoing - save $50 every year

custom Image

Get 10% cash back on your account capped at $100

On your eligible spend in the first 3 months of card approval.

custom Image

0% p.a. on balance transfers for the first 14 months

Completed at the time of application. Reverts to cash advance rate. Transfer over non-Citi issued credit card, store card and/or personal loan debt.

91% of customers who have rated this card would recommend it
  • Rates
    90%
  • Fees
    71%
  • Rewards
    N/A
  • Customer Service
    80%
  • Value
    59%
Overall user rating 80%
11 reviews

63% Simon

The long balance transfer period is giving me plenty of time to pay off my credit card debt, plus the lower purchase rate is good too except I\'ve never had any issues paying my account on time to take advantage of the interest free days. My only complaint would be with the higher annual fee for a basic low rate card.

Recommends this card

70% Visitor

This is a good card - rate is low. Glad I got it before the fee went up!

Recommends this card

Interest Rates
Purchase rate 11.99% p.a.
Cash advance rate 21.69% p.a.
Interest free on purchases up to 44 days
Balance Transfer
Balance transfer rate 0% p.a. for 14 months
Balance transfer fee No fee
Balance transfer revert rate 21.69% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan Yes
Banks you can't balance transfer from Bank of Queensland ,Citi ,Coles ,IMB ,Qantas Money ,Suncorp ,Virgin Money
Credit limits
Minimum credit limit $6,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $49 p.a.
Additional cardholder fee $29 p.a.
Cash advance fee 2.7%
Foreign transaction fee 3.3%
Minimum repayment $30 or 2%
Late payment fee $10
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
10% cash back on the first 3 months spend (capped at $100 total)

The Virgin Money Low Rate Credit Card

Who says good things don’t come in small packages? With the Virgin Money Low Rate Credit Card you can enjoy a pretty darn awesome introductory offer on balance transfers, an easily obtainable cash back offer and an annual fee offer, all wrapped up into one unassuming low rate card.

With heaps of goodies to be uncovered, this is one credit card offer that’s definitely worth checking out. So, without further ado, let’s get into it.

What we love...

When it comes to low rate credit cards, you’ll usually find many are no nonsense options that allow you to enjoy low rates, but not much else. But, not this little card.

Sure, it may be lacking certain premium features such as a 24-hour concierge service or VIP airport lounge access, but that doesn’t mean it hasn’t got plenty of other great qualities to keep you happy.

First up, there’s that introductory offer on balance transfers. If you happen to have credit card debt on other cards outside of the Citi group, you may be able to take advantage of the Virgin Money Low Rate Credit Card’s balance transfer offer.

With this offer, you can get 0% p.a. on balance transfers for the first 14 months, giving you heaps of time to pay down that debt, while enjoying some breathing space from interest. Even better? There’s no balance transfer fee to worry about.

On to the cash back offer. This one’s pretty simple. On your eligible spend for the first three months from card approval, you’ll get 10% cash back credit on your account, capped at $100 total. That’s money you can spend as you like, simply for using your card.

Last on the list of things we love has to be that low annual fee. If you apply before the offer ends, you will only pay $49 per year as an annual fee, saving you $50, every single year.

What’s not so great...

As with any credit card application, it pays to read the small print before signing on the dotted line. While the balance transfer offer provides a very nice 0% p.a. for 14 months with no balance transfer fee, it is worth noting that any unpaid transfer amount will revert to the cash advance rate at the end of the introductory period.

And, if you want to take advantage of the cash back offer, be aware of that extra spend on your card, as you’ll have to pay it off on top of the amount you are putting towards paying down your transferred debt.

Why should you choose this card?

Even if you don’t need the balance transfer offer, there are still plenty of reasons why you might want this card in your wallet. Of course, you can enjoy a low rate on purchases on a credit card with a low annual fee.

You can also take advantage of a number of other features, such as up to 44 days interest free on purchases, irregular transaction detection with FraudShield, Visa Zero Liability and 24/7 account access. Want another cardholder on the account? That’s yours for an additional fee of $29.

Overall Rating

A lovely low rate card with an even lovelier introductory offer on balance transfers, cash back and annual fee.

31 questions (showing the latest 10 Q&As)

Sonia

Sonia

17 June 2019
what does "introductory period" mean. Does that mean the 14 month in a 14 month interest free dare
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 June 2019
    Hi Sonia, in this case, it means the balance transfer offer related to this card. The 14 months at 0% are for any balance you successfully transfer. This means that you have current credit card debt (non-Citi). Then you apply for this card to pay off the debt for you. Then you receive 0% at 14 months on the balance transfer amount. This intro rate does not apply to new purchases. If you are looking for a 0% purchase offer. Check out our 0% Purchase section.
anouk

anouk

8 June 2019
Hi,I have 2 credit cards with about 5k on each. I want to balance transfer so i can stop the interest and can afford to pay the 10k off this way in 1 year. I don't need credit -i just want to pay off my debt. My debt is currently with ANZ and Amex David Jones cards. Can you recommend a card that will BT from to credit cards?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 June 2019
    Hi Anouk, if you can do it in a year. Then I suggest you get a card that has no balance transfer fee and low or even no annual fee for at least 12 months. This Virgin Money low rate card could work. If you think you could need a few months more to pay. Then this Virgin Flyer offer could be better. For $1 extra annual fee, you get more features plus a $129 voucher. With no annual fee first year, have a look at HSBC Platinum Qantas. It has 0% for 12 months with no balance transfer fee.
Sukh

Sukh

2 January 2019
I am new in my business. Been 4 months. I am not australian citizen or resident yet but on family visa. Am I eligible for the credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 January 2019
    Hi Sukh, based on the information you have provided it will be tough to get approved for a credit card. Virgin do not accept temporary residents so no go there. I think you may need to wait until you have been in business at least 6 months. It could be longer depending on the bank. I would look at a bank like ANZ. Check out the ANZ low rate.
Jacob

Jacob

17 November 2018
I have around 70 days bank statements only will be good enough I work full time 32 an hour
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2018
    Hi Jacob, I am not sure how long of bank statements you need. To apply you need to be 18yrs + old, Permanent Australian resident, Minimum income of $35,000, Minimum credit limit of $6,000 and have a good credit rating. Details to have handy: Your income and living expense details, The credit limit (or outstanding balance) of any credit cards or loans you have and the card or account number/s of any balances that you wish to transfer. If you have all this then you can have a go and see how it works out. If you are not approved I would then wait at least 6 months before applying for another credit card offer.
Marissa

Marissa

16 November 2018
Does this card earn points in every dollar spending? Where to use the points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2018
    Hi Marissa, this card does not earn any points on spend. Typically no low rate credit cards earn points. Have a look at our Bonus points category for a range of credit cards that earn points. The interest rate is typically around 20%. So reward cards are best used by people that pay off the balance in full each month, thus avoiding interest.
Lara

Lara

14 November 2018
Hello, Are are also able to withdraw cash from this card if we need to in Australia and overseas? What is the maximum we could withdraw and what are the fees? Thank you. Lara
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 November 2018
    Hi Lara, the cash rate on this card is 21.69% p.a. With cash advances you get charged interest from day 1. Therefore you need to pay off this type of activity ASAP. The Cash advance fee is 2.7% of the transaction. The maximum you can withdraw would be your credit limit inc fees. Cash advances are not recommended and only should be used if really needed. The purchase rate is so much lower.
deborah manns

deborah manns

9 October 2018
i have a pensioner concession card. will anyone give me a credit card. i have no debts
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 October 2018
    Hi Deborah, approval depends on a range of factors. You need to meet the minimum income requirements to apply for a credit card. Additionally you need to make sure that your income sources are accepted. To be approved for a new credit card you need to have good credit. Key factors are income v expenses, assets v liabilities and your credit history. If you are putting away money each month this is a good sign to the bank that you have access funds to pay off your new card. This Virgin low rate credit card has a minimum income requirement of $35,000 a year. The age pension and a range of others are accepted by Virgin (Citi) as income which is good.
George Potter

George Potter

28 August 2018
What is the maximum age covered by your travel insurance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 August 2018
    Hi George, there is no travel insurance available with the Virgin low rate credit card.
ishrat

ishrat

26 August 2018
can I do balance trasfer to amex card. i have some debt to pay on amex card can i do balace transfer and is there any hidden cost?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 August 2018
    Hi Ishrat, yes it is possible to transfer AMEX credit card balances to this Virgin Money low rate credit card offer. No hidden costs, 0% for 14 months with no balance transfer fees.
gloria turner

gloria turner

3 July 2018
can you have points transfered to Qantas frequent flyer
Dom

Dom

24 June 2018
I have a personal loan and wish to Balance Transfer over to a credit card, is this possible with the Virgin Money Low Rate Credit Card? Are all Balance Transfer Credit Cards deals accepting a Personal Loan transfer? If not, do you have a filter for searching with this criteria? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 June 2018
    Hi Dom, yes you can transfer non-Citi loan debt to this Virgin balance transfer offer.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • Minimum income of $35,000 p.a.
  • You have your personal details ready to complete the online application
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Virgin Money Low Rate Credit Card

Updated 30 June 2019

Apply by 31 August 2019

Purchase Rate (p.a)

11.99%

Balance Transfer (p.a)

0% for 14 months No BT fee. reverts to 21.69% p.a.

Annual Fee (p.a)

$49

$0 over 14 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for 14 months
  • $49 annual fee ongoing - saving $50 per year - this is great!
  • Low purchase rate of 11.99% p.a.
  • 10% cash back (capped at $100) on your spend for the first 3 months

  • After the balance transfer period has ended any unpaid balance reverts to the high cash advance rate
  • Additional cardholders cost $29 per card per year

Creditcard.com.au review

Editor Review

The Virgin Money Low Rate Credit Card

Who says good things don’t come in small packages? With the Virgin Money Low Rate Credit Card you can enjoy a pretty darn awesome introductory offer on balance transfers, an easily obtainable cash back offer and an annual fee offer, all wrapped up into one unassuming low rate card.

With heaps of goodies to be uncovered, this is one credit card offer that’s definitely worth checking out. So, without further ado, let’s get into it.

What we love...

When it comes to low rate credit cards, you’ll usually find many are no nonsense options that allow you to enjoy low rates, but not much else. But, not this little card.

Sure, it may be lacking certain premium features such as a 24-hour concierge service or VIP airport lounge access, but that doesn’t mean it hasn’t got plenty of other great qualities to keep you happy.

First up, there’s that introductory offer on balance transfers. If you happen to have credit card debt on other cards outside of the Citi group, you may be able to take advantage of the Virgin Money Low Rate Credit Card’s balance transfer offer.

With this offer, you can get 0% p.a. on balance transfers for the first 14 months, giving you heaps of time to pay down that debt, while enjoying some breathing space from interest. Even better? There’s no balance transfer fee to worry about.

On to the cash back offer. This one’s pretty simple. On your eligible spend for the first three months from card approval, you’ll get 10% cash back credit on your account, capped at $100 total. That’s money you can spend as you like, simply for using your card.

Last on the list of things we love has to be that low annual fee. If you apply before the offer ends, you will only pay $49 per year as an annual fee, saving you $50, every single year.

What’s not so great...

As with any credit card application, it pays to read the small print before signing on the dotted line. While the balance transfer offer provides a very nice 0% p.a. for 14 months with no balance transfer fee, it is worth noting that any unpaid transfer amount will revert to the cash advance rate at the end of the introductory period.

And, if you want to take advantage of the cash back offer, be aware of that extra spend on your card, as you’ll have to pay it off on top of the amount you are putting towards paying down your transferred debt.

Why should you choose this card?

Even if you don’t need the balance transfer offer, there are still plenty of reasons why you might want this card in your wallet. Of course, you can enjoy a low rate on purchases on a credit card with a low annual fee.

You can also take advantage of a number of other features, such as up to 44 days interest free on purchases, irregular transaction detection with FraudShield, Visa Zero Liability and 24/7 account access. Want another cardholder on the account? That’s yours for an additional fee of $29.

Overall Rating

A lovely low rate card with an even lovelier introductory offer on balance transfers, cash back and annual fee.

User reviews

Virgin Money Low Rate Credit Card ( based on 11 Creditcard.com.au user reviews )

80% rating based on 11 reviews

Rates
Fees
Rewards
Customer Service
Value
63%

Simon

16 January 2014

The long balance transfer period is giving me plenty of time to pay off my credit card debt, plus the lower purchase rate is good too except I\'ve never had any issues paying my account on time to take advantage of the interest free days. My only complaint would be with the higher annual fee for a basic low rate card.

Recommends this card
70%

CreditCard.com.au Visitor

28 January 2013

This is a good card - rate is low. Glad I got it before the fee went up!

Recommends this card
77%

Tim Jonas-Richards

28 January 2013

Super low interest rates. If you want a cheap card you can’t get much better than this. One of the cheapest rates around I think. Plus annual fee is low too so you save even more at least for the first year.

Recommends this card

Rates and fees

Interest rates

Purchase rate 11.99% p.a.

Cash advance rate 21.69% p.a.

Interest free on purchases up to 44 days

Balance transfer

Balance transfer rate 0% p.a. for 14 months

Balance transfer revert rate 21.69% p.a.

Balance transfer from personal loan Yes

Balance transfer fee No fee.

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Queensland, Citi, Coles, IMB, Qantas Money, Suncorp, Virgin Money

Credit limits

Minimum credit limt $6,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $49 p.a.

Additional card holder fee $29 p.a.

Foreign transaction fee 3.3%

Minimum repayment $30 or 2%

Cash advance fee 2.7%

Late payment fee $10

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Extras

10% cash back on the first 3 months spend (capped at $100 total)

Overview

Virgin Money Low Rate Credit Card

An obvious choice as a low rate credit card with half annual fee ongoing of $49 (saving $50 annually). If you currently have credit card debt outside of the Citi group you can get 0% p.a. on balance transfers for the first 14 months with no balance transfer fee (reverts to cash advance rate). If this isn’t enough you get 10% cash back (capped at $100 total) on your eligible spend in the first 3 months from card approval. Not to forget that this card has a low rate on purchases of 11.99% p.a. to sweeten this special offer further. Other features include up to 44 days interest free on purchases, irregular transaction detection with FraudShield, Visa Zero Liability and 24/7 account access.

Key features

  • Low ongoing variable purchase rate of 11.99% p.a.
  • 0% p.a. for 14 months on balance transfer (reverts to cash advance rate)
  • Pay half annual fee of $49 ongoing - saves you $50 per year
  • Get 10% cash back on your eligible spend in the first 3 months of card approval. Capped at $100 total.
  • Additional card holder fee of $29
  • Up to 44 days interest free on purchases

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • Minimum income of $35,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

31 questions (showing the latest 10 Q&As)

Sonia

Sonia

17 June 2019
what does "introductory period" mean. Does that mean the 14 month in a 14 month interest free dare
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 June 2019
    Hi Sonia, in this case, it means the balance transfer offer related to this card. The 14 months at 0% are for any balance you successfully transfer. This means that you have current credit card debt (non-Citi). Then you apply for this card to pay off the debt for you. Then you receive 0% at 14 months on the balance transfer amount. This intro rate does not apply to new purchases. If you are looking for a 0% purchase offer. Check out our 0% Purchase section.
anouk

anouk

8 June 2019
Hi,I have 2 credit cards with about 5k on each. I want to balance transfer so i can stop the interest and can afford to pay the 10k off this way in 1 year. I don't need credit -i just want to pay off my debt. My debt is currently with ANZ and Amex David Jones cards. Can you recommend a card that will BT from to credit cards?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 June 2019
    Hi Anouk, if you can do it in a year. Then I suggest you get a card that has no balance transfer fee and low or even no annual fee for at least 12 months. This Virgin Money low rate card could work. If you think you could need a few months more to pay. Then this Virgin Flyer offer could be better. For $1 extra annual fee, you get more features plus a $129 voucher. With no annual fee first year, have a look at HSBC Platinum Qantas. It has 0% for 12 months with no balance transfer fee.
Sukh

Sukh

2 January 2019
I am new in my business. Been 4 months. I am not australian citizen or resident yet but on family visa. Am I eligible for the credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 January 2019
    Hi Sukh, based on the information you have provided it will be tough to get approved for a credit card. Virgin do not accept temporary residents so no go there. I think you may need to wait until you have been in business at least 6 months. It could be longer depending on the bank. I would look at a bank like ANZ. Check out the ANZ low rate.
Jacob

Jacob

17 November 2018
I have around 70 days bank statements only will be good enough I work full time 32 an hour
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2018
    Hi Jacob, I am not sure how long of bank statements you need. To apply you need to be 18yrs + old, Permanent Australian resident, Minimum income of $35,000, Minimum credit limit of $6,000 and have a good credit rating. Details to have handy: Your income and living expense details, The credit limit (or outstanding balance) of any credit cards or loans you have and the card or account number/s of any balances that you wish to transfer. If you have all this then you can have a go and see how it works out. If you are not approved I would then wait at least 6 months before applying for another credit card offer.
Marissa

Marissa

16 November 2018
Does this card earn points in every dollar spending? Where to use the points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2018
    Hi Marissa, this card does not earn any points on spend. Typically no low rate credit cards earn points. Have a look at our Bonus points category for a range of credit cards that earn points. The interest rate is typically around 20%. So reward cards are best used by people that pay off the balance in full each month, thus avoiding interest.
Lara

Lara

14 November 2018
Hello, Are are also able to withdraw cash from this card if we need to in Australia and overseas? What is the maximum we could withdraw and what are the fees? Thank you. Lara
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 November 2018
    Hi Lara, the cash rate on this card is 21.69% p.a. With cash advances you get charged interest from day 1. Therefore you need to pay off this type of activity ASAP. The Cash advance fee is 2.7% of the transaction. The maximum you can withdraw would be your credit limit inc fees. Cash advances are not recommended and only should be used if really needed. The purchase rate is so much lower.
deborah manns

deborah manns

9 October 2018
i have a pensioner concession card. will anyone give me a credit card. i have no debts
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 October 2018
    Hi Deborah, approval depends on a range of factors. You need to meet the minimum income requirements to apply for a credit card. Additionally you need to make sure that your income sources are accepted. To be approved for a new credit card you need to have good credit. Key factors are income v expenses, assets v liabilities and your credit history. If you are putting away money each month this is a good sign to the bank that you have access funds to pay off your new card. This Virgin low rate credit card has a minimum income requirement of $35,000 a year. The age pension and a range of others are accepted by Virgin (Citi) as income which is good.
George Potter

George Potter

28 August 2018
What is the maximum age covered by your travel insurance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 August 2018
    Hi George, there is no travel insurance available with the Virgin low rate credit card.
ishrat

ishrat

26 August 2018
can I do balance trasfer to amex card. i have some debt to pay on amex card can i do balace transfer and is there any hidden cost?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 August 2018
    Hi Ishrat, yes it is possible to transfer AMEX credit card balances to this Virgin Money low rate credit card offer. No hidden costs, 0% for 14 months with no balance transfer fees.
gloria turner

gloria turner

3 July 2018
can you have points transfered to Qantas frequent flyer
Dom

Dom

24 June 2018
I have a personal loan and wish to Balance Transfer over to a credit card, is this possible with the Virgin Money Low Rate Credit Card? Are all Balance Transfer Credit Cards deals accepting a Personal Loan transfer? If not, do you have a filter for searching with this criteria? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 June 2018
    Hi Dom, yes you can transfer non-Citi loan debt to this Virgin balance transfer offer.

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