Virgin Money credit cards exist in the UK and Australia, from simple cashback to airline-linked rewards. This guide explains the fee structure, rewards tiers, interest mechanics, and day-to-day tools.
It also outlines what the application asks for and the documents you’ll need, so you can apply with confidence. Product snapshots (UK): United Kingdom.
Everyday Cashback Credit Card
Designed for simplicity. A popular perk on this card family is no foreign exchange fee on purchases—useful for trips and online shopping in other currencies. No annual fee and full servicing in the Virgin Money credit card app.
Virgin Atlantic Rewards (Reward / Reward+)
Co-branded airline cards that earn Virgin Points. The Reward version usually has no annual fee and earns a solid everyday rate; Reward+ typically adds a higher earn rate and a yearly fee.
Purchases outside select EEA currencies generally incur a Virgin Money credit card foreign transaction fee (commonly around 2.99%).
All-Round / Balance Transfer / Club cards
These variants emphasize introductory 0% purchase and/or 0% balance transfer periods. Ongoing representative APRs often sit in the mid-20% range (variable).
Always check the balance transfer fee (typically a small percentage of the amount moved) before you transfer.
Product Snapshots (Australia)
Under the Virgin Money brand in Australia, you’ll find Velocity-earning and Virgin Money-points cards plus low-rate and no-annual-fee options.
Purchase interest rates commonly range from about 12.99% p.a. on low-rate cards to around 20–21% p.a. on rewards products.
The standard Virgin Money credit card Australia international purchase fee is typically around 3.3%, so weigh points vs. costs when traveling.
Rewards Tiers: What do you get?
Cashback structures are usually time-tiered: an intro period with a higher rate on all eligible spend, then a lower ongoing base rate plus a monthly cap (e.g., £15).
Some offers in the app (“Virgin Money Cashback”) add merchant-specific boosts you can activate before you shop.
Cashback is credited against your balance; it doesn’t reduce your Virgin Money credit card minimum payment.
UK airline points (tiered by card and merchant)
The airline cards use two tiers: a base earn on everyday spend and a bonus earn on Virgin Atlantic/Virgin Holidays transactions.
The premium (paid-fee) card earns at roughly double the base card’s rate.
Also, unlock spend-based vouchers (upgrade/companion) that can be worth significantly more than the annual fee if you fly.
Australia points (Velocity or Virgin Money points)
These cards earn per A$1 spent, with higher earnings on selected categories/partners and welcome bonuses that change periodically.
If you pay an annual fee, look at whether the bonus points and per-dollar earnings will realistically offset it, given your annual spend.
Fee Structure
The Everyday Cashback type frequently advertises no FX fee on purchases.
Airline and many other UK cards typically charge a foreign transaction fee (commonly 2.99%) outside specific EEA currencies.
Expect about 3.3% per international purchase (including some foreign-processed online transactions).
For small buys, the fee can outweigh the value of points; consider a travel-friendly backup.
Cash advances
Using your card for cash triggers a cash advance fee and interest from the day of the transaction at the usually higher cash advance rate.
If you never withdraw cash on credit, you can avoid this entirely.
Balance transfer fees
Promotional 0% BT offers normally include a one-off fee (a percentage of the amount transferred).
This fee is added to your balance immediately; factor it into your cost comparison.
Late/returned payment fees and interest on promos
Missing your Virgin Money credit card’s minimum payment may cancel promotional rates and add default charges.
Set up a Direct Debit for at least the minimum to protect offers.
Interest Explained
Each has its interest rates.
United Kingdom (APR)
UK cards quote a representative APR (variable) that includes both the purchase rate and any standard fees to aid comparison.
Many mainstream cards cluster around a 24–27% APR variable. Your personal rate can differ based on credit assessment.
Promotional 0% windows for purchases and balance transfers are temporary; once they end, the standard purchase rate applies to any remaining balance.
Australia (p.a.)
Australian cards quote purchase interest rate p.a. and cash advance rate p.a. separately.
Typical purchase rates range from about 12.99% p.a. (low-rate) to ~20–21% p.a. (rewards).
Remember: if you pay in full by the due date, most purchases attract up to 44–55 days interest-free; otherwise, interest is charged from the transaction date.
Log and To The Mobile App
You can manage almost everything from the Virgin Money credit card app.
Activate the card, freeze/unfreeze, set spending alerts, view cashback offers, and chat with support.
The bank nudges most customers to service via the app first, including Virgin Money credit card login for statements and rewards.
Web access is available, but app tools tend to get new features first (e.g., budgeting insights, location-based security checks).
How The Online Application Is Structured
The online journey is straightforward and broken into clear sections:
- Getting to know you – Your full name, date of birth, contact details, and address history.
- Your ID – Identity checks (e.g., driver’s licence or passport details if requested) to verify you.
- Your Work – Employment status, employer name, how long you’ve been there, and income frequency.
- Your Money – Your regular income and living expense details, rent or mortgage, dependents, and any existing credit commitments.
- Decisions, decisions – Choose options such as balance transfers and instalment plans, review the credit limit offered, and accept the terms.
You’ll need:
- Your identification documents (e.g., passport or driver’s licence if requested).
- Your income and living expense details (pay frequency, rent/mortgage, utilities, dependents).
- The credit limit or outstanding balances of any credit cards or loans you have.
- The card or account number(s) for any balances you wish to transfer.
Contact Details
United Kingdom (Virgin Money, Clydesdale Bank plc trading as Virgin Money)
- Address: 177 Bothwell Street, Glasgow G2 7ER, United Kingdom
- General/Credit Card Queries: 0800 011 3210 (UK)
- From Abroad: +44 191 284 9005
- Lost/Stolen: Usually 24/7; other teams vary by department
Australia (Virgin Money Australia)
- Address: Level 3, 100 Skyring Terrace, Newstead QLD 4006, Australia
- Phone: 13 37 39 (Mon–Fri 8am–8pm AEST; Sat 9am–5pm AEST)
Bottom Line
Virgin Money’s lineup lets you choose between no-FX-fee cashback, airline points with upgrade/companion perks, or low-rate simplicity.
Before applying, compare the annual fee, foreign transaction fee, intro windows, and your likely earn value.
Then use the Virgin Money credit card app to automate payments, activate offers, and keep your Virgin Money credit card minimum payment on track.
Disclaimer: This article is for general information only and may not reflect the very latest product changes. Features, fees, rewards, and Virgin Money credit card interest rate (APR in the UK; p.a. in Australia) are variable and depend on your profile and the specific card. Always read the summary box, credit agreement, and rewards program terms before applying, and consider independent advice if you are unsure.
