Virgin Credit Card

Representative APR Rate
Balance Transfer Rate
Balance Transfer Duration
Purchase Intro Rate
Purchase Intro Duration
9 Months
3 Months


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Virgin Credit Card - General Information

There are three Virgin credit cards to choose from, the popular Virgin Red, the pretty Pink and the Cool Black Virgin card. With a Virgin credit card you can be sure to get a whole host of discounts and benefits, from free purchase protection and travel accident insurance to operating your account around the clock by phone or online.

The Virgin Credit Card comes with a host of discounts to cater for all needs; all discounts are provided from Virgin and are available when you use your Virgin credit card. Here is just a sample

  • 10% Holidays and Cruise Package Deals
  • 10% off Virgin Wines
  • Savings the Virgin Media
  • High Street Voucher Savings

Contactless payments let you pay for items of £15 or less without having to key in your PIN.

It's all about making purchases on your Virgin Credit Card as hassle-free as possible. So when you're buying everyday things like coffee or lunch, you don't have to search around for cash. Just hold your card in front of the reader for a few seconds, and off you go.

Here's why you're better off with contactless:

  • It's fast - hold your card close to the reader, wait for the beep or the green light and you're done.
  • It's secure - you're in control because your card never leaves your hand.
  • It's handy - like having the exact cash you need, when you need it.

Virgin Credit Card - Fees and Charges

Type of Credit Card: MasterCard

Representative APR (variable)   16.8%
Minimum Age   18 yrs
Cash Advances   27.9%
Minimum Income Level   £0.00
Balance Transfers   18.9%
Interest Free Period   50 days
Cheque Transactions   20.9%
Default Charges   £12.00
Money Transfers   20.9%
Annual Fee   FREE


Representative Example: If you spend £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).

Virgin Credit Card - Apply Online

You have chosen to apply for a Virgin credit card, please ensure you meet the points below as this will make your application more likely to be approved.

1. Please Ensure That:

You are at least 18 Years of Age - You are a permanent resident/citizen of the UK
Have a regular income - Are not bankrupt or have any CCJ's

2. Proceed With Your Application

The above points are simply a guide to the minimum acceptance criteria for a Virgin credit card. Virgin will carry out a credit reference or other enquires in accordance with their lending procedures.

Once approved they will then send you a copy of a completed application form through the post in order to obtain your signature. Please ensure you read their terms and conditions and see a full list of charges.

The decision to accept will only be made by Virgin after they have taken your details, confirmed your ID and completed a credit check.

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