{
  "snapshot_at": "2026-10-24T09:58:12Z",
  "brand": "Virgin Money",
  "brand_slug": "virgin-money",
  "product_id": "085dd673-e910-ef11-9f89-002248921877",
  "cdr_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/085dd673-e910-ef11-9f89-002248921877",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/085dd673-e910-ef11-9f89-002248921877'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "productId": "085dd673-e910-ef11-9f89-002248921877",
    "effectiveFrom": "2024-05-15T06:00:00Z",
    "lastUpdated": "2026-09-30T05:31:22Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Virgin Money Anytime Rewards Credit Card",
    "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.",
    "brand": "VMA",
    "brandName": "Virgin Money Australia",
    "applicationUri": "https://application.virginmoney.com.au/virginmoney-form/virginmoney-card/virginmoney-card-apply?",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card",
      "termsUri": "https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards",
      "eligibilityUri": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card",
      "feesAndPricingUri": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards"
    },
    "cardArt": [
      {
        "title": "VMA Anytime Rewards Card Art",
        "imageUri": "https://www.virginmoney.com.au/content/dam/virginmoney/cards/2026/credit-cards-vertical/application-form/anytime-rewards-credit-card.png",
        "cardScheme": "VISA",
        "cardType": "CREDIT"
      }
    ],
    "features": [
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P44D",
        "additionalInfo": "Up to 44 days interest free for your purchases (Interest Free Days are not available if you have a Balance Transfer)",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Virgin Money Rewards",
        "additionalInfo": "Earn 1 Virgin Money Point $1 on grocery and dining, 0.5 points per $1 on all other eligible transactions",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P12M",
        "additionalInfo": "0% p.a. for 12 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to cash advance rate.",
        "additionalInfoUri": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P24M",
        "additionalInfo": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to cash advance rate.",
        "additionalInfoUri": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://virginmoney.com.au/virgin-money-app/app-features/digital-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://virginmoney.com.au/virgin-money-app/app-features/digital-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://virginmoney.com.au/virgin-money-app/app-features/digital-wallet"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://virginmoney.com.au/help-and-support/credit-cards/instalments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Imagine having first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rewards-and-benefits/visa-benefits"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Personal Concierge",
        "additionalInfo": "Take advantage of round-the-clock access to the Visa Platinum Concierge Service. It's the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "60000",
        "additionalInfo": "Earn 60,000 Bonus Virgin Money Points when you spend $3,000 or more in the first 90 days from approval.",
        "additionalInfoUri": "https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "6000.0000000000",
        "additionalInfo": "Minimum credit limit",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You must be at least 18 years of age to apply for a credit card",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizen or permanent resident",
        "additionalInfo": "Australian Citizen or permanent resident",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      },
      {
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "35000.0000000000",
        "additionalInfo": "Minimum income required",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "169.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual fee charged on the card.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card"
      },
      {
        "name": "International Transaction Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0000000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Domestic Cash Advance above $100",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0270000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "Domestic cash withdrawals from your credit card.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "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",
        "additionalInfoUri": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards"
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Fee per statement period when your credit limit is exceeded",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "International Cash Advance",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalInfo": "International cash withdrawals on your credit card",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Over-the-Counter Fee (Bank@Post)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.5000"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Domestic Cash Advance below $100",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.7000"
        },
        "currency": "AUD",
        "additionalInfo": "Domestic cash withdrawals from your credit card.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalValue": "1",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Fee for each time a cheque or Direct Debit payment is dishonoured.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Balance Transfer fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0300000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "The balance transfer fee is 3% of the balance transferred"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Up to 55 days Interest free on retail purchases",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/flyer-credit-card",
        "lendingRateType": "PURCHASE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/anytime-credit-card",
        "lendingRateType": "CASH_ADVANCE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.",
        "tiers": [
          {
            "additionalInfo": "Available to newly approved Virgin Money Anytime Rewards Credit Card account holders.",
            "name": "Standard Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "13",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              }
            ]
          }
        ],
        "lendingRateType": "BALANCE_TRANSFER",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.",
        "tiers": [
          {
            "name": "Standard Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "25",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              }
            ]
          }
        ],
        "lendingRateType": "BALANCE_TRANSFER",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.0000000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "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.",
        "tiers": [
          {
            "additionalInfo": "Available to newly approved Virgin Money Anytime Rewards Credit Card account holders.",
            "name": "Promotional Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "1",
            "maximumValue": "12",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              }
            ]
          }
        ],
        "lendingRateType": "BALANCE_TRANSFER",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.0000000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate.",
        "tiers": [
          {
            "additionalInfo": "Available to newly approved Virgin Money Anytime Rewards Credit Card account holders.",
            "name": "Promotional Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "1",
            "maximumValue": "24",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              }
            ]
          }
        ],
        "lendingRateType": "BALANCE_TRANSFER",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ]
  }
}