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Virgin Money Low Rate

Virgin Money Low Rate

1.0 from 4 reviews

See the Best Low Rate Credit Cards in 2019 as rated by Australians on ProductReview.com.au.

Pros

  • Purchase Rate of 11.9% p.a.

  • $49 Annual Fee

  • 0% p.a. for the first 14 months on Balance Transfers

Cons

  • 3.3% International Transaction Fee

  • Balance Transfers revert to a high Cash Advance Rate of 21.69% after the offer period ends

  • You can't earn Velocity Points even though this card is issued by Virgin

Details

CategoryLow Rate Credit Cards and Balance Transfer Credit Cards
Contact Number 13 37 39
24-Hour Phone Contact No
Online Live Chat No
Card TypeVisa
BenefitsCashback Offer
Minimum Credit Limit $6,000
Minimum Income $35,000
Additional Cardholder Fee $29 p.a.
Minimum Repayments10%
Contactless PaymentsSamsung Pay
Rates & Fees
Purchase Rate11.99% p.a.
Cash Advance Fee2.7%
Late Payment Fee$30
Annual Fee$49 p.a.
Foreign Transaction Fee 3.3%
Overseas ATM Withdrawal Fee$5
Interest Free Period 44 days
Cash Advance Rate21.69% p.a.
Balance Transfer Rates
Balance Transfer Period 14 months
Balance Transfer Rate 0% p.a.
Release dateFeb 2012

Visit official website

Reviews

Review distribution

5 star
0
4 star
0
3 star
0
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0
1 star
4

Kington

KingtonGreater Melbourne (Outer), VIC

  • 6 reviews
  • 6 likes

Poor customer service. Hidden fees.

published

I did a balance transfer and didn't read the small print. Ended up paying 20% fee's on all purchases on the card up until I paid off the balance transfer.
Call centre is somewhere overseas and if you ask a question that seems even a little too complicated for them, they'll just hang up on you. Happened 3 times since I took this card out 6 months ago. Not the brightest staff and had to keep repeating the simplest information to them.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses
See all answers

Dblk89

Dblk89Gunnedah

  • 6 reviews
  • 8 likes

Terrible

published

These cards are managed by citi finance. If you previously enquired for a credit card or loan through them, they will decline the application and won't notify you until really late. Stay away from these crooks

auskp

auskpGreater Melbourne (Inner), VIC

  • 5 reviews
  • 2 likes

Frustrating application process, incredibly slow and not worth the wait

published
MPG

MPGSydney

  • 7 reviews
  • 10 likes

Bad Customer Service

published

Questions & Answers

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