How to Apply for your Virgin Money Anytime Rewards Credit Card
The Virgin Money Anytime Rewards Credit Card offers 1 point per dollar spent, welcome bonuses, concierge, contactless payments, and flexible point redemption
Virgin Money Anytime Rewards Benefits
This card offers an array of benefits to its customers, see below the main perks:
- Earn Points on Everyday Spending: Earn 1 Virgin Money Point for every $1 of eligible everyday spending, with no limit on the points you can accumulate. This allows you to rack up rewards quickly on your daily purchases.
- Welcome offers: you can choose between two welcome bonus offers, choosing offer #1 you can earn 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend at least $3,000 in the first 3 months of card membership, and choosing offer #2 you can enjoy a 0% p.a. interest rate on balance transfers for 24 months.
- Flexible Point Redemption: Redeem your points in the Virgin Money app for various rewards, including cashback, gift cards, transfers to Velocity Frequent Flyer, or partner hotels. You can even use your points to pay for recent purchases, giving you flexibility in how you use your rewards.
- Virgin Money App: The Virgin Money app helps you stay informed with a spend tracker, spending alerts, and valuable insights into your credit card usage. It offers convenience and control over your spending in one place.
- Digital Wallet Compatibility: Pay with ease using your phone or wearable device, thanks to compatibility with Apple Pay, Samsung Pay, and Google Pay. This allows for seamless, contactless payments directly from your credit card account.
- Visa Platinum Concierge Service: Enjoy 24/7 access to the Visa Platinum Concierge Service, providing personal assistance for various needs, anywhere in the world. This service offers convenience similar to having a personal assistant, available by phone or online.
- Visa PayWave: Make fast and secure payments with Visa PayWave by simply waving your Virgin Money Credit Card at participating terminals. It’s a quick and easy way to pay for everyday purchases without the need to insert or swipe your card.
- Fraudshield Protection: Your card is protected with Fraudshield®, which monitors for unusual transactions. If suspicious activity is detected, you’ll be contacted, and you won’t be held liable for any fraudulent charges made with your card.
- Exclusive Visa Platinum Benefits: As a Visa Platinum cardholder, you get first access to some of the most popular events in Australia. Enjoy priority seating at concerts, shows, and sports events, allowing you to secure tickets before they go on sale to the general public.
What You Should Have to Apply
See below the requirements settled by Virgin Money:
- Age: Applicants must be at least 18 years old to be eligible for the card.
- Residence: you need to be an Australian citizen or legal resident
- Income: you need to have a minimum annual income of $35,000
- Credit Rating: A good to excellent credit rating is recommended to increase approval chances and secure the card.
These criteria help ensure that the card is suited for individuals who can fully benefit from its features, offering a balance of rewards and practicality. Also, you may need to provide your documentation like ID or passport, proof of address, and a proof of income.
Who is This Card For?
The Virgin Money Anytime Rewards Credit Card is tailored for individuals who seek a versatile rewards program and flexibility in credit card usage. It is ideal for frequent travelers, online shoppers, and those wanting to earn rewards on everyday spending.
The card also suits those taking advantage of a low introductory interest rate on balance transfers, especially if planning large purchases or balance transfers.
Overall, this card is perfect for those who value a rewards system without limitations, offering a dynamic and rewarding experience that adapts to diverse financial needs.
Step-by-Step to Apply for the Card
- Visit the Virgin Money Website: Navigate to the credit card section to explore the Virgin Money Anytime Rewards Credit Card.
- Review Card Details: Read through the card’s features, benefits, and terms to ensure it aligns with your financial goals.
- Start the Application: Choose the right offer for you, press the “Apply Now” button, and fill out the application form with your personal and financial information.
- Submit Required Documents: Provide proof of income, identification, and other documents as part of the application process.
- Wait for Approval: Virgin Money will review your application. Upon approval, the card will be mailed to your address.
Pros and Cons of the Virgin Money Anytime Rewards Credit Card
Pros
- Earn 1 Virgin Money Point for every $1 of eligible everyday spending, with no limits
- Low introductory interest rate: Enjoy a lower rate on balance transfers initially.
- Flexible Point Redemption
- Visa Platinum Concierge Service
- Contactless payments: Quick and secure transactions for everyday purchases.
Cons
- Annual fee: The card has an annual fee, which may be a consideration for those who don’t utilize the rewards program fully.
- High standard interest rate after the introductory period: Once the introductory period ends, the rate reverts to a higher standard rate, impacting those carrying a balance.
How to Unlock Your Virgin Money Anytime Rewards Credit Card
- Log in to Virgin Money Online: Access the Virgin Money website or mobile app to log in to your account.
- Navigate to Card Services: Select “Activate New Card” from the menu options.
- Enter Card Details: Provide your card number, expiration date, and CVV for verification.
- Set Your PIN: Choose a secure PIN for transactions and ATM access.
- Activate the Card: Confirm your details to activate the card for immediate use.
Once activated, your card is ready for use both domestically and internationally, allowing you to start earning rewards right away.
Fees and Tariffs
- Annual Fee: $149, with the potential to offset this cost through the rewards program.
- Purchase Interest Rate: 19.99% p.a.
- Cash Advance Rate: 20.99% p.a.
- Interest-Free Days: up to 55 days on retail purchases.
Understanding these fees helps manage the card effectively while maximizing its benefits. Use the card responsibly to avoid unnecessary charges and make the most out of the rewards program.
Customer Service
- Phone: Call 13 37 39 for 24/7 support regarding your credit card. Virgin Money’s customer service team is ready to assist with inquiries, from account management to transaction disputes. For customer services and lost and stolen cards: +61 2 8288 2222
- Website: Visit Virgin Money Australia Customer Support for more information, FAQs, and online assistance. The website offers extensive resources to help you understand and manage your card efficiently.
- Mobile App: Use the Virgin Money mobile app to manage your account, view transactions, and contact customer support directly. The app provides secure messaging, enabling you to communicate with Virgin Money representatives conveniently.
