Looking for a simple, everyday credit card that doesn’t eat into your savings?
The Virgin Money No Annual Fee Credit Card lets you enjoy flexible spending and up to 55 days interest-free on purchases — all with no annual fee for life. Perfect for Aussies who want convenience without ongoing costs.
💳 Key Benefits
- ✅ $0 annual fee — keep your money where it belongs.
- 💰 Up to 55 days interest-free on eligible purchases.
- 🔒 Security guaranteed — backed by Visa Zero Liability.
- 📱 Manage everything in the Virgin Money app — track spend, lock your card, set limits.
- 🌎 Accepted worldwide wherever Visa is accepted.
👥 Who It’s Best For
This card suits Australians who:
- Pay off their balance in full each month.
- Don’t need fancy rewards programs or high limits.
- Want a reliable, no-fuss backup card for travel or emergencies.
- Prefer low-maintenance credit without ongoing costs.
⚙️ How It Works
- Apply online — takes about 10 minutes.
- Get a quick decision — many applicants receive instant approval.
- Activate your digital card instantly through the Virgin Money app.
- Start spending — earn up to 55 days interest-free on purchases.
- Repay on time — avoid interest and build a strong credit record.
📊 Virgin Money vs Competitors (Australia 2025)
| Feature | Virgin Money No Annual Fee | ANZ First | NAB Low Fee | CommBank Low Fee |
|---|---|---|---|---|
| Annual Fee | $0 | $30 | $59 | $29 |
| Interest-Free Period | Up to 55 days | Up to 55 days | Up to 55 days | Up to 55 days |
| Purchase Rate (p.a.) | 20.74% | 20.49% | 19.99% | 20.24% |
| Rewards Program | None | Optional | No | No |
| Mobile App Features | Full | Basic | Basic | Full |
| Eligibility | 18+ Australian resident | 18+ | 18+ | 18+ |
👍 Pros
- No annual or monthly fees ever
- Full Visa protection and digital wallet support (Apple Pay, Google Pay)
- Simple online application process
- Manage spending easily via the Virgin Money app
👎 Cons
- No rewards or cashback program
- Standard purchase rate (20.74% p.a.)
- Not ideal for carrying balances month-to-month
🚀 See If You Qualify
You can check your eligibility online in minutes — without affecting your credit score.
Apply now and enjoy a no-fuss, no-fee card that fits perfectly into your everyday Australian lifestyle.
