No Annual Fee
0% p.a. for 12 months on balance transfers
0% p.a. for 12 months on purchases
3.3% International Transaction Fee
You can't earn Velocity Points even though this card is issued by Virgin
Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 20.99% p.a.
|Category||No Annual Fee Credit Cards and Balance Transfer Credit Cards|
|Benefits||Introductory Interest Rate|
|Minimum Credit Limit||$2,000|
|Additional Cardholder Fee||$0 p.a.|
|Contactless Payments||Samsung Pay|
|Rates & Fees|
|Purchase Rate||18.99% p.a.|
|Cash Advance Fee||2.7%|
|Late Payment Fee||$30|
|Annual Fee||$0 p.a.|
|Foreign Transaction Fee||3.3%|
|Overseas ATM Withdrawal Fee||$5|
|Interest Free Period||55 days|
|Cash Advance Rate||20.99% p.a.|
|Introductory Rate||0% p.a. for 12 months on purchases|
|Balance Transfer Rates|
|Balance Transfer Period||12 months|
|Balance Transfer Rate||0% p.a.|
|Balance Transfer Fee||0%|
|Release date||Aug 2006|
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Absolutely disgusting. Would never recommend this company
Interest rate has skyrocketed without any advice, Impossible to get an operator who can say anything thats not on the script & hopeless after longwinded identification process. Trying to access my own account after logging in, then not receiving pin no supposedly sent to access required information. They do not listen to what you are saying, as they are too busy constantly interrupting, until you finally demand to be allowed to finish a sentence. When asking for escalation to Supervisor, you are treated to silence until you ask are you stil...l there?" and are then put on hold for unbelievably long periods of time before finally being disconnected from the call. Have NEVER dealt with such an unhelpful, frustrating company. Naturally, problem remains unresolved. Really hope someone in high Management actually reads these reviews and address the many issues experienced.
i shouldn't have applied their credit card. now they just rejected my application and made my score looking bad!
they are very not transparent, not responsible, not communicative and not professional. now i regret applying for it, they checked my credit score, and i am afraid they have made it looking worse. i guess they just don't care. if you only take advantage of free annual fee and free balance transfer, i think you are not welcomed!
Do Not Apply for this Card - Warning if you value your credit score
I applied for this card in mid July 2020. Thinking I am already with Virgin Home Loan, I would have thought this is one of the benefits being advertised by Virgin Money.
Fast forward to early August 2020, my application was declined. To put into the context, I have over 800 credit score, 6 digit income, low mortgage repayment due to high offset balance (80% offset), low credit card owings because I was thinking of swapping my other card to this one.
They claimed reasons for decline is confidential. I suspect this is to avoid being mystery sho...pped. I lodged a review request at the recommendation of the officer. Today marked 1 week the request was not even acknowledged nor replied. My email was effectively ignored. So many of the commenters in this forum and other shopping review forums are correct. I can objectively said do not apply any credit card from Virgin Money as you have very high probability of being declined despite good score and income/liabilities ratio. The end result of this experimentation is a blotch in my credit enquiry. Fortunately, I have not been applying anything in the last 3 years so this would most likely be overlooked.
If you care for your credit score, think before apply!
I was hesitant before applying for virgin credit card due to many negative review. After experience myself, I know now those bad reviews are there for reasons. I was attracted to BT 0% 12 month. I worked for same co for 10 years, stable income and made multiple times than the minimum income requirement on their website, and excellent credit score as I have checked them before. They called me the day after I lodged my application online. They asked for my additional income which I have provided document evidence. Just like someone commented bef...ore, minutes after interview thay send rejected email. It's odd! why asked me about additional income if they were going to reject it anyway? The fact I could provided doc evidence means nothing! yet they asked? I think the left hand don't know what the right hand is doing! glad I don't become their customer!
Never ever go with these falsifiers ...
I ordered card with option of Balance transfer but they after sending 4 requests said that offer is not available, and dam charged me annual fee for keeping card for only 1 month with no transactions.
Now with COVID what is the benefits of highflyer?
No updates. $199 a year fee still being charged. Calling call centre has Aussie accent, but call centre foreign? No empathy, and bad lines.
What's happening with the high flyer card now? Fee? Existing year lounge passes? Points accrued?
I have the black highflyer card and with COVID I thought I'd downgrade to the cheaper annual fee card in the meantime, the operator said I needed to 'apply for that'. WTH? NO!
4 years ago they changed from Mastercard to Visa, they called and asked if that was ok? I said yes... credit file check ... I wasn't aware of, and still shows on my credit file.
SHAME ON YOU VIRGIN MONEY!!!
Not a happy long time customer!
There are many hidden fees and charges you won't be told about until you see it on your bill. After being a customer for 12 years and never missing a payment they are not helpful. If your 1 day late with even a $30 payment you are no longer interest free for that period and they slug you with more fees and charges they never mentioned exist. I do not believe they deserve any customers as they do not care about long time customer loyalty. Even during the covid 19 crisis they will look to take advantage of you instead . I would run from anything with Virgin on it from now on.
Never apply for this credit card they will destroy your credit score and not give a specific reason why.
Applied for this card only a $5000 limit and was refused. I have a perfect credit rating, not late paying bils, in front with home loan payments and have a job with 80K+ salary and little debt and some savings in the bank.
I was closing another credit card that had become to expensive and move across to Virgin Money, even the card that was being closed had less then $1000 to transfer to the new Virgin card. Over the course of 2 phone calls to follow up on the application that I had submitted a month earlier, I was assured the application looked...
Would give zero if I could
These people do not return emails or call when promised. I have been waiting over two weeks for my account to be credited and it still hasn’t been done despite repeated promises. DO NOT TRUST!!!
CREDIT CARD APPLICATION
I was called as I put in an application for a balance transfer credit card. I could not hear or understand the person calling from Virgin and it also seemed that they could not understand me. It was obvious that this was a oversea's call centre. Come on Virgin if you are going to have staff call to ask personnel questions then don't use oversea's call centre's as these are sensitive questions that customers are being asked so they need to be able to understand the questions that are being put to them. Within a minute of being interviewed I ...received a rejection email even though I have a excellent credit rating, own my own home, own my own car and house .contents have nothing else on finance. I was not told why I was refused. I take it was because I am not working presently and living on my super and a payout I received when I left my last employment. I also am transitioning to the aged pension though apparently I must be seen as a risk!!!
Go elsewhere for your credit card!
I applied for the Virgin Money Credit Card around April 2019. Conditional approval was given. Further information about income etc was requested. As I do not have a scanner the material (all that was asked for) was mailed to the GPO box address that Virgin provided. Despite two emails from me to enquire about the progress of the application, no response was received. Later I received a call, probably from a call centre in Asia, where the guy was very hard to understand. He asked for information about income etc...stuff that already had been se...nt. Remarkably he said that he could not access the area where that would have been sent! Then he went on with questions, including my address 15 years ago!! I then told him my application was to be withdrawn and told him about the frustration with the whole experience. A few weeks later I sent a letter addressed specifically to the manager of Virgin Cards outlining my problems and the poor performance of his business. He or she did not have the courtesy or professionalism to reply. And there is the question of what happened to confidential financial documents sent to Virgin cards? Avoid this mob like the plague, shop elsewhere for your credit card.
Good simple credit card at a low rate
Good for those with low income. Does what it says. Although i think the website could be a bit better design wise but functionally works perfectly fine. Only thing i wish this card had was a reward points like the no annual fee coles credit cards do.
Absolutely terrible. Paid off my credit card in full the day prior to the statement coming out. A week later i get slugged a $30 late fee. Ummm what??? i called them, effectively they explained because i'd paid off the card early i was given a fee. WTH! they reversed the $30 but i continued to get calls saying i'd be charged another $30.
Low and behold, my new statement came out today, and i've been charged interest in that period they had mistakenly classed me as being 'late'. I was so angry, i called them and they've promised to credit it back on the next statement but i'll wait and see.
Terrible system. I wouldn't bother. I'm going to cancel mine.
Don't waste your time,they couldn't run down the road let alone run a business, I gave up trying to do the balance transfer.don't answer calls, always on hold then it just hangs up.
Great Credit card with no annual fees and great offers
This credit card is worked really well for me when I had financial difficulties, they provide great offers such as low interest rate balance transfers, fixed rate loans etc. I had no issues every time I called to customer service they were very polite, helpful and friendly.
Worst Credit Card Company Ever!!!
Had various trouble with communicating with this company-its like talking to robots!!Do not deal with this company!! If something goes wrong they are unable to solve your problems.They make everything look rosy at the start until you have a problem.
Great value card
I like this card as there are no annual fees and the rewards points earning system is a lot more generous than most other credit cards particularly the Qantas FF ones. It is easy to use, VISA is accepted in most stores and most stores do not charge CC fee like they would for an AMEX. It is easy to use overseas and each time I use it an email is sent to me straigtht away to help guard against credit card fraud
Call Centre Gargoyles one star too many
My advice, don't even apply … I worry these dumb call centre gargoyles have affected my credit rating by declining my application. Like many other reviewers, I had all the right credentials but after multiple calls and emails they still wouldn't approve my application. Dealing with incompetent ignorant liars from some 3rd world call centre. Absolute waste of precious time. Richard Branson, your name is being turned to mud. I won't be using Virgin products anymore.
easy process, good feature
virgin money no annual fee visa card has great features compare to any other main stream provider's card, especially the acceptance by most of the merchant anywhere in the world. the application process was very simple
The reviewer stated that an incentive was offered for this review
Hopeless Application System
I decided to try the travel reward card to get extra velocity points. As a platinum frequent flyer and with substantial net assets and income and a credit score in the 900s I thought getting approved for a mere $6000 credit card would be easy. However, having filled in the fairly basic online application (which doesn’t allow you to enter a lot of your assets) and without being contacted by Virgin I received advice of being declined. I tried to talk to someone in Australia but unfortunately it appears their approval team is overseas. I assume that my being retired and over 65 is held against me. I would recommend that people steer clear of this company.
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