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Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.8 from 170 reviews · View Statistics
See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ProductReview.com.au.
Listing monitored by Virgin Money

Pros

No Annual Fee
0% p.a. for 12 months on balance transfers
0% p.a. for 12 months on purchases

Cons

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.

Details

CategoryNo Annual Fee Credit Cards and Balance Transfer Credit Cards
Card TypeVisa
BenefitsIntroductory Interest Rate
Minimum Credit Limit $2,000.00
Minimum Income $25,000.00
Additional Cardholders 4
Additional Cardholder Fee $0.00 p.a.
Minimum Repayments2%
Contactless PaymentsSamsung Pay
Rates & Fees
Purchase Rate18.99% p.a.
Cash Advance Fee2.7%
Late Payment Fee$30.00
Annual Fee$0.00 p.a.
Foreign Transaction Fee 3.3%
Overseas ATM Withdrawal Fee$5.00
Interest Free Period 55 days
Cash Advance Rate20.99% p.a.
Introductory Offers
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
Visit official website
  • FAIR_COMPARISON: 6391

Reviews

  • Transparency
    1.8 (22)
  • Customer Service
    1.8 (22)
  • Rates and Fees
    2.2 (19)
  • Rewards
    1.9 (14)
  • Online Experience
    1.9 (20)
  • Application Process
    2.3 (20)
Previous
Next
Julie
Juliecasey
  • 7 reviews
  • 8 likes

Absolutely disgusting. Would never recommend this company

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Peter
PeterPerth, WA
  • 6 reviews
  • 1 like

i shouldn't have applied their credit card. now they just rejected my application and made my score looking bad!

published

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!

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!

Do Not Apply for this Card - Warning if you value your credit score

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
SAL
SALGreater Melbourne (Metropolitan), VIC
  • 2 reviews

If you care for your credit score, think before apply!

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
No Annual Fee Credit Cards

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Amit J.
Amit J.Perth, WA

Never ever go with these falsifiers ...

published

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.

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Dylan H.
Dylan H.Perth, WA
  • 2 reviews

Now with COVID what is the benefits of highflyer?

published

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!!!

ZEEEEROOOO

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Ace
AceSydney, NSW
  • 12 reviews
  • 13 likes

Not a happy long time customer!

published

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.

Transparency
1/5
Customer Service
2/5
Similar opinion? Write a review on ProductReview.com.au!

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Next
Smc
Smc
  • 2 reviews
  • 2 likes

Never apply for this credit card they will destroy your credit score and not give a specific reason why.

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
annoyed
annoyedGreater Melbourne (Metropolitan), VIC
  • 17 reviews
  • 5 likes

Would give zero if I could

published

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!!!

Transparency
1/5
Customer Service
1/5
Incentivised Review No
Similar opinion? Write a review on ProductReview.com.au!
No Annual Fee Credit Cards

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PJC
PJCGreater Melbourne (Outer), VIC
  • 5 reviews
  • 1 like

CREDIT CARD APPLICATION

published
Incentivised Review No
Similar opinion? Write a review on ProductReview.com.au!
john
johnHobart, TAS
  • 5 reviews
  • 3 likes

Go elsewhere for your credit card!

published
Transparency
2/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Naoki D
Naoki DFar North Queensland, QLD
  • 6 reviews

Good simple credit card at a low rate

published

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.

Transparency
4/5
Customer Service
4/5
Similar opinion? Write a review on ProductReview.com.au!
No Annual Fee Credit Cards

Find out how Virgin Money No Annual Fee Visa compares to other No Annual Fee Credit Cards

Know better, choose better.

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Terrible system

published

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.

Incentivised Review No
Similar opinion? Write a review on ProductReview.com.au!
dale i.
dale i.Darwin, NT
  • 3 reviews

Terrible service

published

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.

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Niran
Niran
  • 19 reviews
  • 9 likes

Great Credit card with no annual fees and great offers

published

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.

Transparency
5/5
Customer Service
5/5
Similar opinion? Write a review on ProductReview.com.au!

Questions & Answers

Heather W.
Heather W.asked

Hi, had a Virgin card years ago and it was cancelled as Virgin suddenly left the Australian market. Is this likely to happen again?

No answers
frodo
frodoasked

What is the postal address for the Virgin card application?

2 answers
Capybara
Capybara

Hi frodo,

I never applied via post but instead completed and submitted a form via their website.

Jemoge
Jemoge

Good luck with that one

Get an answer from our members and Virgin Money representatives

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