Virgin Credit Card

0% on balance transfers for 15 months (a 2.98% handling fee applies) from the date your account is opened, and 0% on card purchases for 6 months from the date your account is opened. Typical rate 16.6% APR (variable). Plus discounts on other Virgin products & high street vouchers when you use your card.

Virgin Credit Card Details

Popularity Rating:

Provided By Virgin

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for the Virgin Credit Card

You will be transfered to the official Virgin website, www.virginmoney.com.

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Virgin Credit Card Features & Benefits

(currently displaying summary information only)

Feature / Benefit	Summary	Details
Card Details:
Type of Card	Mastercard	This item is only available as a Mastercard
Instant Online Decision	yes	An instant online decision is available to applicants.
Application Criteria:
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£0	There is no minimum income required.
Introductory Rates:
Intro Balance Transfer Rate	0%	The introductory rate for balance transfers is 0.0%.
Intro Balance Transfer Duration	16 months	16 months
Intro Balance Transfer Fee	2.98%	2.98% handling fee (minimum £3) applies.
Minimum Intro Balance Transfer Fee	£3	2.98% handling fee (minimum £3) applies.
Intro Balance Transfer Window	60 days	Balance transfers made within 60 days will receive the introductory offer associated with this card.
Intro Balance Transfer Offer Begins	when account opened	The introductory balance transfer offer duration begins when account opened.
Intro Purchase Rate	0%	0.0% during introductory period.
Intro Purchase Duration	3 months	3 months
Intro Balance Transfer Availability	during fixed term	The introductory balance transfer offer can be taken during fixed term.
Standard Rates:
Typical APR	16.6%	The typical APR is 16.6% (variable).
Cash Advance Rate	27.9%	The annual interest rate for cash advances is 27.9%.
Benefits:
Cashback & Rewards Credit Card	yes	yes
Cashback Reward	no	A cashback reward scheme is not available.
Reward Points	no	A points scheme isn't available with this card.
Air Miles	no	There is no travel reward programme.
Shopping Rewards	yes	Access to discounts at high street stores, including Sainsbury's, Boots, House of Fraser, and Debenhams Guarantee to beat cardholder's existing car insurance...expand Access to discounts at high street stores, including Sainsbury's, Boots, House of Fraser, and Debenhams Guarantee to beat cardholder's existing car insurance or home insurance renewal quote (qualifying criteria apply - details at www.myvirginmoney.com) Discounts available at the following 10% off at Virgin Wines 1 month free with Virgin Active 1 month free with Virgin Media 10% off at Virgin Holidays 10% off at Virgin Trains 20% off at Virgin Experiences 10% off at Virgin Mobile 10% off at Virgin Vie at Home Half price flights at Virgin Balloon Flights Up to 10% off at Virgin Holidays Cruisescollapse
Payment Protection	yes	LifestyleProtect offers protection should the unexpected happen. Credit card payments may be covered against: Accident and Sickness: pays at least...expand LifestyleProtect offers protection should the unexpected happen. Credit card payments may be covered against: Accident and Sickness: pays at least the minimum monthly credit card payment for 12 months and then pays off the claim event balance Involuntary Unemployment: pays at least the minimum monthly credit card payment for 12 months and then pays off the claim event balance Carer cover: the policy will cover the cardholder if their work ceases due to the need for the cardholder to become a full time carer for a close relative Hospitalisation: if the cardholder is over 65 or permanently retired from work, the policy will pay at least the minimum monthly credit card payment for 12 months and then pays off the claim event balance Life cover: in the event of death, the policy will pay the outstanding balance (less any arrears) up to a maximum of £100,000 Other features include free unemployment, medical and legal helplines-available whether claiming or not. Also, a simple claims process is offered. collapse
Travel Insurance Cover	£250,000	If the cardholder pays for their travel tickets with their Virgin Money Credit Card, they will be automatically covered for up to £250,000 if they...expand If the cardholder pays for their travel tickets with their Virgin Money Credit Card, they will be automatically covered for up to £250,000 if they have an accident while travelling to or from their destination.collapse
Lost Luggage Cover	no	Lost luggage cover is not available.
Fees & Charges:
Annual Fee	£0	There is no annual fee.
Interest Free Period	50 days	Up to 50 days interest free period.
International Charges	2.99%	Transactions made in foreign currencies within Europe are charged a 2.99% fee.
Minimum Repayment %	1%	The cardholder's minimum payment will be the full balance (if this is less than £25); or whichever is the greater of: £25; or the total of...expand The cardholder's minimum payment will be the full balance (if this is less than £25); or whichever is the greater of: £25; or the total of any payment protection cover charges, interest and default charges plus 1%.collapse
Minimum Repayment £	£25	The cardholder's minimum payment will be the full balance (if this is less than £25); or whichever is the greater of: £25; or the total of...expand The cardholder's minimum payment will be the full balance (if this is less than £25); or whichever is the greater of: £25; or the total of any payment protection cover charges, interest and default charges plus 1%.collapse
Late Payment Charge	£12	A charge of £12.00 will be made if the issuer does not receive its minimum required payment from the cardholder by the date on which it is due.
Apply for this credit card:

Feature / Benefit	Details	Rating out of 5
Application Criteria:
Existing Customers Only	no	no
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£0	There is no minimum income required.
Credit Rating	good	Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.
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