Virgin No Annual Fee Credit Card

The Virgin No Annual Fee Credit Card is just what you would expect from Virgin, a credit card with no fee ever and a reasonable interest rate.

	Key Features:
	No annual fee ever and free additional cards too 2.9% p.a. on Balance Transfers for 6 months 18.99% p.a. on purchases Enjoy up to 44 Interest free days 6 great colours to choose from Cardholders have access to exclusive Virgin Family offers and discounts Fraudshield and Visa Zero Fraud Liability protecting you when you spend online or traditionally Optional CreditShield Edge Credit Protection Insurance

Virgin No Annual Fee Terms & Conditions

The things you need to know - Fees, charges, terms and conditions apply and are available upon request.

All interest rates shown are variable. The Virgin No Annual Fee Credit Card Purchase rate is changing for all customers from 16.95% p.a. to 18.99% p.a. effective 1 September 2011. This information is correct at 15 July 2011. You must be at least 18 years of age to apply for a credit card. You must also earn at least $25,000 p.a. for the No Annual Fee Credit Card or $40,000 p.a. for the Virgin Flyer Credit Card and Virgin High Flyer Credit Card. Approval is subject to our credit criteria.

1. The maximum 44 days interest free period applies when you pay your balance off in full for 2 consecutive months. If you carry a balance on your credit card from month to month the 44 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.2. Cash withdrawal limits, fees and charges may apply.
3. Velocity is owned and operated by Velocity Rewards Pty Ltd as trustee of the Loyalty Trust. Membership of Velocity and Points earn and redemption is subject to the Member Terms & Conditions, available at velocityrewards.com.au, as amended from time to time. Points are earned on eligible purchases only.
4. Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments.
5. VISA Zero liability guarantee. Terms and conditions apply.
6. The balance transfer interest rate applies to balances transferred with this offer at point of application, for the period shown. Transferred balances are repaid first. At the end of the balance transfer period, your interest rate will revert to the interest rate for cash advances; currently 20.99% p.a. for the No Annual Fee, Virgin Flyer, and Virgin High Flyer Credit cards. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rate. Interest rates are variable, subject to change and our credit criteria.
8. The offer is valid for two Guests only and both guests must be booked and travelling together. Offer provides 50% off Domestic Virgin Australia flights for you and a friend for up to 4 segments a year in saver, flexi and premium fare classes (excludes sale fares). The Virgin Australia Guest Contact Centre will advise if there is availability for the dates you wish to travel. Credit card payment fees apply to both Guests and are not discounted. Checked baggage charges apply to some fare types. New Virgin Australia Guest Contact Centre bookings made at least 21 days in advance only. Payment with Virgin Flyer or High Flyer Credit Card and/or Virgin Australia vouchers required. Seats must be booked in the same fare class and are subject to availability which may be limited at peak times such as weekends, Christmas or School Holidays. This flight offer can't be used in conjunction with other Virgin Flyer Credit card points promotions or flight offers. Check out here for further Terms & Conditions.
11. International Travel Insurance, Warranty Insurance and Purchase Cover Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to terms and conditions and exclusions.  An excess  applies to Purchase Cover Insurance. Please see here for details.