Virgin Money Rewards · Credit card
Virgin Money Low Rate Credit Card
$99annual fee
12.99% p.a. purchases · up to 55 interest-free days
43rd of 111 cards
- Annual fee
- $99
- Rewards program
- Virgin Money Rewards
- Purchase rate
- 12.99% p.a.
- Complimentary travel insurance
- No
- Minimum income
- $35,000 a year
- Additional cardholder
- Free
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- 3.3%
- Late payment fee
- $30
- Rewards program
- Virgin Money Rewards
- Purchase rate
- 12.99% p.a.
- Cash advance rate
- 21.69% p.a.
- Interest-free days
- Up to 55
- Balance transfer
- 0.00% for 24 months, then 21.69%
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Visa
- Minimum income
- $35,000 a year
- Minimum credit limit
- $2,000
- Virgin Money Low Rate Credit Card
No changes recorded for this product since tracking began on 10 September 2026.
At 12.99% p.a. lower your interest, not your standards.
Also from Virgin Money: Virgin Australia Velocity High Flyer Credit Card $451 net · Virgin Australia Velocity Flyer Credit Card $391 net · Virgin Money Anytime Rewards Credit Card $131 net · Virgin Money No Annual Fee Credit Card no annual fee
A $99 annual fee and a 12.99% p.a. purchase rate as of 9 November 2026. The fee ranks 43rd lowest of 111 cards tracked by BankMate. There is no sign-up bonus on offer. From the provider's Consumer Data Right feed, refreshed nightly.