Virgin Money Low Rate Credit Card
credit card
Low Rate Credit Card is a credit card from Virgin Money, as the bank publishes it in its product data. Its purchase rate is 12.99% and its card fee $99 a year. It ranks 32nd of 52 issuers for a personal card by lowest purchase rate; 4th of 22 issuers for a personal card by the length of its balance transfer offer; and 8th of 24 issuers for a personal card with a rewards programme, by annual fee.
What the feed states
- Purchase rate
- 12.99%
- Cash advance rate
- 21.69%
- Interest-free days
- up to 55
- Card fee
- $99 a year (Annual Fee)
- Cash advance fee
- 2.7%, $2.70 minimum
- Late payment fee
- $30
- Balance transfer offer
- 0.00% for 24 months (3% fee, then 21.69%)
- Balance transfer rate otherwise
- 21.69%
- Rewards programme
- Virgin Money Rewards
- Digital wallets
- Samsung Pay, Google Pay, Apple Pay
- Instalment plans
- offered
- Credit limit
- from $2,000
- Minimum income
- $35,000 a year
- Minimum age
- 18
- Scheme
- Visa
Conditions and offers
- 0.00% on balance transfers for 24 months, 3% transfer fee, then 21.69% (the cash advance rate)
- minimum income $35,000 a year
- balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances
About this card
At 12.99% p.a. lower your interest, not your standards.
Data
- Virgin Money's own page for this card.
- The issuer's documents its feed links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
/au/finance/credit-cards/v1/brands/virgin-money.json: this issuer's cards as JSON; Virgin Money's page lists them.- The bank last updated this record on 2026-08-05; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.
Other cards at Virgin Money
- Anytime Rewards Credit Card credit card, 21.99%, $169 a year
- Australia Velocity Flyer Credit Card credit card, 21.99%, $169 a year
- Australia Velocity High Flyer Credit Card credit card, 21.99%, $349 a year
- No Annual Fee Credit Card credit card, 19.99%
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