Virgin Money Low Rate Credit Card

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.69%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Interest Free Transfers Additional Information: 0% p.a. for 15 months on balance transfers. Reverts to cash advance rate. No interest free days apply to purchases while you have a balance transfer.

• Additional Cards Additional Information: $29 additional cardholder fee applies. Charged annually.

• Loyalty Program Additional Information: You can earn loads of Virgin Money Bonus Points from a range of partner offers, all from the palm of your hand in the Rewards Hub of the Virgin Money app.

• Instalment Plan Additional Information: Reward yourself with a lower rate. Apply for an instalment plan that lets you pay off your card balance with certainty and allows you the potential to save on monthly interest that you may otherwise pay. Plus you can still enjoy interest free days on your other purchases made outside the Fixed Payment Option.

• Balance Transfers Additional Information: 0% p.a. for 15 months on balance transfers. Reverts to cash advance rate. No interest free days apply to purchases while you have a balance transfer.

• Other Additional Information: Low ongoing variable purchase rate of 12.99% p.a.

• Interest Free Additional Information: Up to 55 days on retail purchases No interest free days apply to purchases while you have a balance transfer.

• Other Additional Information: For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.

• Digital Wallet

• Digital Wallet

• Insurance Additional Information: Rest assured that we're on the case, to keep your card safe around the clock with Fraudshield. As long as you keep your contact details up to date, we'll contact you if we detect any irregular transactions on your account. Our cards also come with Visa's Zero Liability policy, ensuring you won't be held liable for fraudulent transactions made with your card.

• Digital Wallet

 Product Eligibility

• Min Income - 35000.0000000000. Additional Information: Minimum income required

• Residency Status - Australian Citizen Or Permanent Resident. Additional Information: Australian Citizen or permanent resident

• Min Age - 18. Additional Information: You must be at least 18 years of age to apply for a credit card

 Bank Fees and Charges

• Balance Transfer Fee (Event), Amount: 0.0000.

• Additional Cardholder Fee (Periodic), Amount: 29.0000. Additional Information: Fee charged for an additional card holder.

• Late Payment Fee (Event), Amount: 30.0000. Additional Information: 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.

• Annual Fee (Periodic), Amount: 99.0000. Additional Information: Annual fee charged on the card.

• Dishonour Fee (Event), Amount: 15.0000. Additional Information: Fee for each time a cheque or Direct Debit payment is dishonoured.

• Overlimit Fee (Event), Amount: 40.0000. Additional Information: Fee per statement period when your credit limit is exceeded.

• International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant.

• Paper Statement Fee (Event), Amount: 2.0000. Additional Information: 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 Cash Advance (Withdrawal), Amount: 5.0000. Additional Information: International cash withdrawls on your credit card.

• Domestic Cash Advance Below $100 (Withdrawal), Amount: 2.7000. Additional Information: Domestic cash withdrawals from your credit card.

• Over-the-counter Fee (bank@post) (Event), Amount: 2.5000.

• Domestic Cash Advance Above $100 (Withdrawal), Amount: Not Listed.. Additional Information: Domestic cash withdrawals from your credit card.

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.0000000000 Additional Information: Minimum credit limit