Connecting to better
Virgin Money Anytime Rewards Credit Card
Bonus Point
Interest Rates
0
19.99
Reward Point
1
Annual fee
$149
Pros.
Enjoy a 0% p.a. interest rate on balance transfers for the first 24 months.
Earn 1 Virgin Money Point per $1 spent on eligible purchases, with no cap.
Access the Visa Platinum Concierge Service for premium assistance.
Cons.
A one-time 1% fee applies to balance transfers.
High 20.99% p.a. interest rate on balance transfers after the introductory period.
Does not include complimentary international travel insurance.
Details
Product Details
Product Name
Virgin Money Anytime Rewards Credit Card
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 20.99%
Balance transfer limit
80% of available limit
Purchase rate p.a.
19.99
Interest-free days
Up to 55 days on purchases
Cash advance rate p.a.
20.99
Min credit limit
$6,000
Card type
Visa
Fees & Charges
Annual fee
$149
Minimum monthly repayment
0% for 24 months with 1% balance transfer fee, then 20.99%
Late payment fee
$30
Foreign currency conversion fee
3.3%
Cash advance fee
2.7% or $2.70, whichever is greater
Overseas cash advance fee
$5
Additional cardholder fee
$0
Number of additional cardholders
4
Eligibility
Available to temporary residents
No
Minimum income
$35,000
Joint application
No
Rewards
Rewards program
1
Bonus points
0
Rewards points per $ spent
1
Rewards points cap
1
How to Apply
You can apply for the Virgin Money Anytime Rewards Card in approximately 10 minutes. Before starting, ensure you meet the eligibility requirements and have all necessary documents and details ready.
Eligibility Criteria
New cardholder: The balance transfer offer is exclusive to new customers.
Residency: Applicants must be Australian citizens or permanent residents.
Age: You must be at least 18 years old.
Minimum income: A minimum annual income of $35,000 is required.
Credit history: A good credit history is necessary. You can check your credit score for free through Finder.
Required Documents
Personal details: Provide your full name, email, contact number, residential address, date of birth, and marital status, along with a valid form of ID such as a driver's licence or passport.
Employment details: Include your employment status, job title, salary, and employer’s contact details. You may also need to submit recent payslips, tax assessment notices, or bank statements for verification.
Financial details: List any additional income sources, assets (such as savings or government payments), existing debts, credit cards, loans, and estimated household expenses.
Balance transfer details: If applying for a balance transfer, include information such as the account name, account number, provider’s BSB, and the total debt amount to be transferred.
Card benefits
You can apply for the Virgin Money Anytime Rewards Card in approximately 10 minutes. Before starting, ensure you meet the eligibility requirements and have all necessary documents and details ready.
Eligibility Criteria
New cardholder: The balance transfer offer is exclusive to new customers.
Residency: Applicants must be Australian citizens or permanent residents.
Age: You must be at least 18 years old.
Minimum income: A minimum annual income of $35,000 is required.
Credit history: A good credit history is necessary. You can check your credit score for free through Finder.
Required Documents
Personal details: Provide your full name, email, contact number, residential address, date of birth, and marital status, along with a valid form of ID such as a driver's licence or passport.
Employment details: Include your employment status, job title, salary, and employer’s contact details. You may also need to submit recent payslips, tax assessment notices, or bank statements for verification.
Financial details: List any additional income sources, assets (such as savings or government payments), existing debts, credit cards, loans, and estimated household expenses.
Balance transfer details: If applying for a balance transfer, include information such as the account name, account number, provider’s BSB, and the total debt amount to be transferred.
Rates & fees
Annual fee: $149 per year.
Purchase rate: 19.99% p.a., which is lower than the average standard rate reported by the Reserve Bank of Australia.
Cash advance rate: 20.99% p.a. for cash advances.
Interest-free period: Up to 55 days interest-free on purchases when the balance is paid in full each month. However, interest applies to retail purchases if you have an active balance transfer.
Minimum credit limit: Starts at $6,000.