Virgin Money Low Rate Credit Card
The Virgin Money Low Rate Credit Card offers 0% p.a. for 15 months on balance transfers. Ongoing benefits include a low ongoing interest rate.
Updated 14 April 2025
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As the name suggests, the Virgin Money Low Rate credit card is Virgin Money's low interest rate product. This is also the only credit card Virgin Money offers in the low interest rate category. Featuring a competitive Purchase interest rate of 12.99% p.a., which is Virgin Money's lowest, and including up to 55 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% lowest purchase rates. Further, the product has a $99 annual fee.
Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive.
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No rewards program
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$99 annual account fee
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$29 additional cardholder fee
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Up to 4 additional cardholders
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3.30% international transaction fee
Other fees may apply.
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12.99% p.a. variable purchase rate
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21.69% p.a. variable cash advance rate
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Up to 55 interest free days on purchases
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Fraudshield
0% for 15 monthson balance transfers (3.00% BT fee applies), reverts to 21.69% p.a.
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Virgin Money website.