Virgin Credit Card Features & Benefits
| Feature / Benefit | Summary | Details | Rating out of 5 | ||
|---|---|---|---|---|---|
| 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 | |||
| Payment Protection | yes | LifestyleProtect offers protection should the unexpected happen. Credit card payments may be covered against: Accident and Sickness: pays at least...expand | |||
| 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 | |||
| 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 | |||
| 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 | |||
| 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:![]() | |||||

























