Our highest Virgin Money Points earning credit card. Earn 1 Point for every $1 you spend on the card, with no limit to the points you can rack up.
Last product change: 08 Aug 2025
Last checked: 14 Aug 2025
| Billing Frequency | Details | |||
|---|---|---|---|---|
| International Cash Advance | Withdrawal | $5.00 | International cash withdrawals on your credit card | |
| Annual Fee | Periodic | $149.00 | P1Y | Annual fee charged on the card. |
| Balance Transfer Fee | Event | $0.00 | 1% balance transfer fee | |
| International Transaction Fee | Transaction | For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant | ||
| Over-the-Counter Fee (Bank@Post) | Event | $2.50 | null | |
| Domestic Cash Advance above $100 | Withdrawal | Domestic cash withdrawals from your credit card. | ||
| Paper Statement Fee | Event | $2.00 | For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances | |
| Additional Card Holder Fee | Periodic | $0.00 | P1Y | Fee charged for an additional card holder. |
| Domestic Cash Advance below $100 | Withdrawal | $2.70 | Domestic cash withdrawals from your credit card. | |
| Late Payment Fee | Event | $30.00 | Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. |
| Additional Cards | Unlimited additional cards $0 Annual additional cardholder fee Read more |
| Balance Transfer | Yes 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer. Read more |
| Interest Free Period | 55 days 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer. Read more |
| Loyalty Programs |
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