{ "brand": "Virgin Money", "brand_label": "Virgin Money", "brand_slug": "virgin-money", "legal_entity_abn": "32009656740", "public_base_uri": "https://api.cds.virginmoney.com.au", "logo_uri": "https://virginmoney.com.au/content/dam/virginmoney/vma-logo.gif", "status": "ok", "stale": false, "bank_last_updated": "2026-10-21T04:44:27Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":32,"of":52,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":12.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.69,"rewards_program":"Virgin Money Rewards","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"balance_transfer","rank":4,"of":22,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":12.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.69,"rewards_program":"Virgin Money Rewards","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"rewards","rank":8,"of":24,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":12.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.69,"rewards_program":"Virgin Money Rewards","conditions":"k1","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "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" ] }, "unranked": { "products": 0 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "085dd673-e910-ef11-9f89-002248921877", "product_name": "Virgin Money Anytime Rewards Credit Card", "product_label": "Anytime Rewards Credit Card", "product_slug": "anytime-rewards-credit-card", "page": "/au/finance/credit-cards/cards/virgin-money/anytime-rewards-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "fees_url": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards", "eligibility_url": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Our highest Virgin Money Points earning credit card. Earn Virgin Money Points for every $1 you spend on the card, with no limit to the points you can rack up.", "purchase_rate_pct": 21.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Up to 55 days Interest free on retail purchases", "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 169.0, "fee_period": "annual", "fee_as_stated": 169.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.7, "cash_advance_fee": 2.7, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.99, "offers": [ { "rate_pct": 0.0, "months": 12, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "Earn 60,000 Bonus Virgin Money Points (when you spend $3,000 or more in the first 90 days from approval). 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies. Reverts to the cash advance rate." }, { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate." } ] }, "rewards_program": "Virgin Money Rewards", "rewards_programs": [ "Virgin Money Rewards" ], "rewards_program_fee": null, "bonus_offer": "60000 Earn 60,000 Bonus Virgin Money Points when you spend $3,000 or more in the first 90 days from approval.", "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 6000.0, "max_credit_limit": null, "min_income": 35000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)", "credit limit from $6,000", "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", "bonus points offer not for existing Virgin Money credit card holders, including upgrades" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/085dd673-e910-ef11-9f89-002248921877", "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/085dd673-e910-ef11-9f89-002248921877.json", "snapshot_at": "2026-10-24T09:58:12Z", "bank_last_updated": "2026-09-30T05:31:22Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null }, { "product_id": "76126e21-102c-ee11-9966-002248e1dc43", "product_name": "Virgin Australia Velocity Flyer Credit Card", "product_label": "Australia Velocity Flyer Credit Card", "product_slug": "australia-velocity-flyer-credit-card", "page": "/au/finance/credit-cards/cards/virgin-money/australia-velocity-flyer-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/flyer-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "fees_url": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards", "eligibility_url": "https://www.virginmoney.com.au/credit-cards/flyer-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Go places faster with our award-winning Virgin Australia Velocity Flyer credit card. Turn your everyday spend into flights, accommodation and more. The sky's the limit.", "purchase_rate_pct": 21.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Up to 44 days Interest free on retail purchases", "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 169.0, "fee_period": "annual", "fee_as_stated": 169.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [ "$0 annual fee for the first year" ], "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.7, "cash_advance_fee": 2.7, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.99, "offers": [ { "rate_pct": 0.0, "months": 12, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "25,000 Bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 60 days from approval. 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only. 0% p.a. for 12 months on balance tr…" }, { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies" } ] }, "rewards_program": "Velocity Points Earn", "rewards_programs": [ "Velocity Points Earn" ], "rewards_program_fee": null, "bonus_offer": "70000 25,000 Bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 60 days from approval. 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.", "cashback_offer": null, "insurances": [ "Mobile Phone Insurance", "Purchase Protection Insurance", "Extended Warranty Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 6000.0, "max_credit_limit": null, "min_income": 35000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)", "no card fee in the first year, as the feed's discount states", "credit limit from $6,000", "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", "bonus points offer not for existing Virgin Money credit card holders, including upgrades" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/76126e21-102c-ee11-9966-002248e1dc43", "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/76126e21-102c-ee11-9966-002248e1dc43.json", "snapshot_at": "2026-10-24T09:58:12Z", "bank_last_updated": "2026-10-21T04:44:27Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null }, { "product_id": "9bf3781e-102c-ee11-9966-002248e1d7d5", "product_name": "Virgin Australia Velocity High Flyer Credit Card", "product_label": "Australia Velocity High Flyer Credit Card", "product_slug": "australia-velocity-high-flyer-credit-card", "page": "/au/finance/credit-cards/cards/virgin-money/australia-velocity-high-flyer-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "fees_url": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards", "eligibility_url": "https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "If you love to travel, the Virgin Australia Velocity High Flyer Card is for you. Earn Velocity Points on your everyday spend, plus enjoy exclusive flight benefits and a range of complimentary insurances. It's a seriously rewarding credit card.", "purchase_rate_pct": 21.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 349.0, "fee_period": "annual", "fee_as_stated": 349.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.7, "cash_advance_fee": 2.7, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.99, "revert_to": "cash_advance", "for_new_cards": true, "for_existing_customers": null, "ongoing_rate_pct": 21.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": true, "for_existing_customers": null, "text": "40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval. 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only. 0% p.a. for 24 months on balance tr…" } ] }, "rewards_program": "Velocity Points Earn", "rewards_programs": [ "Velocity Points Earn" ], "rewards_program_fee": null, "bonus_offer": "100000 40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval.20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.", "cashback_offer": null, "insurances": [ "Mobile Phone Insurance", "International Travel Insurance", "Domestic Travel Insurance", "Purchase Protection Insurance", "Rental Vehicle Excess Insurance in Australia", "Purchase Cover", "Extended Warranty Insurance", "Transit Accident Insurance" ], "digital_wallets": [ "Google Pay", "Apple Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 15000.0, "max_credit_limit": null, "min_income": 75000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "credit limit from $15,000", "minimum income $75,000 a year", "balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances", "bonus points offer not for existing Virgin Money credit card holders, including upgrades" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/9bf3781e-102c-ee11-9966-002248e1d7d5", "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/9bf3781e-102c-ee11-9966-002248e1d7d5.json", "snapshot_at": "2026-10-24T09:58:12Z", "bank_last_updated": "2026-09-30T03:46:28Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null }, { "product_id": "8cb23721-102c-ee11-9965-002248e1d56c", "product_name": "Virgin Money Low Rate Credit Card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/virgin-money/low-rate-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/low-rate-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "fees_url": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards", "eligibility_url": "https://www.virginmoney.com.au/credit-cards/low-rate-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "At 12.99% p.a. lower your interest, not your standards.", "purchase_rate_pct": 12.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 21.69, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 2.7, "cash_advance_fee": 2.7, "late_payment_fee": 30.0, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 24, "fee_pct": 3.0, "revert_rate_pct": 21.69, "revert_to": "cash_advance", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.69, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate." } ] }, "rewards_program": "Virgin Money Rewards", "rewards_programs": [ "Virgin Money Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Samsung Pay", "Google Pay", "Apple Pay" ], "instalment_plan": true, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 2000.0, "max_credit_limit": null, "min_income": 35000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 32, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 4, "of": 22, "hidden_by_default": null }, { "segment": "personal", "kind": "rewards", "rank": 8, "of": 24, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/8cb23721-102c-ee11-9965-002248e1d56c", "source_snapshot": "/au/finance/credit-cards/v1/source/virgin-money/8cb23721-102c-ee11-9965-002248e1d56c.json", "snapshot_at": "2026-10-24T09:58:12Z", "bank_last_updated": "2026-08-05T03:56:39Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null }, { "product_id": "8db23721-102c-ee11-9965-002248e1d56c", "product_name": "Virgin Money No Annual Fee Credit Card", "product_label": "No Annual Fee Credit Card", "product_slug": "no-annual-fee-credit-card", "page": "/au/finance/credit-cards/cards/virgin-money/no-annual-fee-credit-card/", "product_url": "https://www.virginmoney.com.au/credit-cards/no-annual-fee-credit-card", "terms_url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf", "fees_url": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards", "eligibility_url": "https://www.virginmoney.com.au/credit-cards/no-annual-fee-credit-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Introducing our No Annual Fee credit card, where you'll enjoy all the advantages of having a credit card without having to pay an annual fee. Zip, Zero, Zilch, Nada. Absolutely nothing. 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