Interest rates

Your Virgin Credit Card has two different ongoing variable interest rates – one for purchases and the other for cash Advances. Purchases are charged at 12.99% p.a. and cash advances (including non-promotional balance transfers) will change to 17.74%p.a.

A note about interest on purchases.

If you hit the shops with your card during a balance transfer period, the up to 55 interest free day period is available only if you repay the whole closing balance in full each month by the due date, including any balance transfer amounts.

Kick-start a balance transfer today.

You can transfer the balance from other cards to us, but the rate is our standard variable 17.74% p.a. on the amount transferred. Fees and charges may be payable. Call 1800 080 000 to request a balance transfer form.