{
  "snapshot_at": "2026-10-24T09:58:12Z",
  "brand": "Virgin Money",
  "brand_slug": "virgin-money",
  "product_id": "8db23721-102c-ee11-9965-002248e1d56c",
  "cdr_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/8db23721-102c-ee11-9965-002248e1d56c",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/8db23721-102c-ee11-9965-002248e1d56c'",
  "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": "8db23721-102c-ee11-9965-002248e1d56c",
    "lastUpdated": "2026-07-12T23:59:15Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Virgin Money No Annual Fee Credit Card",
    "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. So go ahead and make the switch to the card that makes nothing of it.",
    "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/no-annual-fee-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/no-annual-fee-credit-card",
      "feesAndPricingUri": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards"
    },
    "cardArt": [
      {
        "title": "VMA No Annual Fee CC Card Art",
        "imageUri": "https://www.virginmoney.com.au/content/dam/virginmoney/cards/2026/credit-cards-vertical/application-form/no-annual-fee-credit-card.png",
        "cardScheme": "VISA",
        "cardType": "CREDIT"
      }
    ],
    "features": [
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 days on retail purchases No interest free days apply to purchases while you have a balance transfer.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/no-annual-fee-credit-card"
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P6M",
        "additionalInfo": "0% p.a. for 6 months on balance transfers from approval. No balance transfer fee applies.",
        "additionalInfoUri": "https://www.virginmoney.com.au/credit-cards/no-annual-fee-credit-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple 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": "DIGITAL_WALLET",
        "additionalValue": "Google 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": "LOYALTY_PROGRAM",
        "additionalValue": "Virgin Money Rewards",
        "additionalInfo": "You can earn loads of Virgin Money Bonus Points from a range of partner offers, all from the palm of your hand in the Rewards Hub of the Virgin Money app.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/no-annual-fee-credit-card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No annual fee. Zip, Zilch, Zero, Nada.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/no-annual-fee-credit-card"
      },
      {
        "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/no-annual-fee-credit-card"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.0000000000",
        "additionalInfo": "Minimum credit limit",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/no-annual-fee-credit-card"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "25000.0000000000",
        "additionalInfo": "Minimum income required",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/no-annual-fee-credit-card"
      },
      {
        "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/no-annual-fee-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/no-annual-fee-credit-card"
      }
    ],
    "fees": [
      {
        "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": "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": "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": "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": "International Transaction Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0330000000000000"
        },
        "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 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": "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": "Balance Transfer fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0000000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "The balance transfer fee is 3% of the balance transferred"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.2099000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/no-annual-fee-credit-card",
        "lendingRateType": "CASH_ADVANCE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.1999000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/no-annual-fee-credit-card",
        "lendingRateType": "PURCHASE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.2099000000000000",
        "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 No Annual Fee Credit Card account holders.",
            "name": "Standard Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "7",
            "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 6 months on balance transfers from approval. No balance transfer fee applies. Reverts to the cash advance rate.",
        "tiers": [
          {
            "additionalInfo": "Available to newly approved Virgin Money No Annual Fee Credit Card account holders.",
            "name": "Promotional Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "1",
            "maximumValue": "6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              }
            ]
          }
        ],
        "lendingRateType": "BALANCE_TRANSFER",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ]
  }
}