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Virgin Money

All Round Credit Card

Virgin Money All Round credit card

Provider website

Available to those who are:

- Aged 18 or over
- UK resident
- Have a bank or building society account

Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.

0% balance transfers for 16 months

Just a 1.99% balance transfer handling fee

0% on money transfers for 16 months (4% fee)

0% on purchases for 6 months

Exclusive Virgin discounts

Representative Example: 15.8% p.a. variable on purchases. This is equivalent to 15.8% APR representative variable based on a credit limit of £1,200. Virgin Money Personal Financial Service Limited. Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ.

What's on offer?

Main summary of this credit card's rates, rewards and services.

Purchases:	Balance transfers:	Money transfers:	Rewards:	Cardholder services:
0% for 6 months 15.8% p.a. variable thereafter	0% for 16 months 16.6% p.a. variable thereafter 1.99% transfer fee (£3 min) Must be transferred within 60 days	0% for 16 months 20.9% p.a. variable thereafter 4% transfer fee (£3 min) Must be transferred within 60 days	Virgin Discounts and Special Offers	Online Account Management Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode Contactless Payments

Further details

A closer look at the rates, rewards and services of this credit card.

Please ensure you read the full terms and conditions and the summary box on the provider's website before applying for any product.

Please see below for more important information relating to the content of this page.

Application criteria

	Detail
Only apply if you are:	- Aged 18 or over - UK resident - Have a bank or building society account

Interest rates

	Detail	Additional
Representative APR (variable)	15.8% APR	Based on a £1,200 credit limit.
Introductory Purchases	0% for 6 months	Payments will be applied to 0% balance transfers before 0% purchases - this is because the standard rate for purchases is less than the standard rate for balance transfers.
Introductory Balance Transfers	0% for 16 months	Must be transferred within 60 days of account opening to qualify. During 0% periods, payments will be applied to 0% money transfers before 0% balance transfers and these before 0% purchases - this is because payments are allocated to transactions with the highest standard rate first.
Introductory Money Transfers	0% for 16 months	Must be transferred within 60 days of account opening to qualify.
Standard Purchases	15.8% p.a. variable	-
Standard Balance Transfers	16.6% p.a. variable	-
Standard Money Transfers	20.9% p.a. variable	-
Standard Cash Advances	27.9% p.a. variable	-

Fees and charges

	Detail	Additional
Balance Transfer fee	1.99% (£3 min)	-
Money Transfer fee	4% (£3 min)	-
Cash Advance fee	5% (£5 min)	-
Foreign fee	2.99%	This fee is charged for transactions made in non-sterling currency.
Annual fee	None	-
Default charges	£12	This charge is made for late payments, returned payments and exceeding the credit limit.

Repayment details

	Detail	Additional
Credit limit	£1,200 assumed	Credit limit is subject to status.
Interest free period	Up to 50 days	Maximum on purchases only, if you pay your statement balance in full and on time every month. No interest free period for balance transfers, money transfers or cash advances. This is subject to any interest free promotional offer.
Minimum monthly payment	1% (£25 min)	The full statement balance if it is £25 or less; or the greater of £25 or 1% of the balance on the statement before any default charges, card fees and interest (to which the card provider will then add an amount equal to the default charges, card fees and interest); plus the amount of any arrears, which are repayable immediately.
Allocation of payments	Payments will be allocated to amounts that are charged at higher interest rates before those that are charged at lower interest rates. - If the provider charges interest at the same rate on different parts of the balance, they will allocate your payment to the introductory rate first. - If two or more introductory rates are the same they will pay off the introductory rate with the earliest start date first. - If the introductory rates have the same start date then they will pay off that part which will be charged at the highest standard rate at the end of the introductory period. - They will then apply your payment to balance transfers, cash advances, money transfers and purchases, in that order.

Rewards and discounts

	Detail
Virgin Discounts and Special Offers	- 5% off at Virgin Holidays - 10% off at Virgin Wines - One month free for new members at Virgin Active - Up to 20% off at Virgin Experiences - 10% off at VIE at Home - 30% off Virgin Balloon Flights

Cardholder services

	Offered	Additional
Online account management		Optional paperless statements.
Fraud Guarantee		There is no liability or excess to pay for theft, loss or fraudulent Internet use-as long as you tell MBNA as soon as your card cannot be found or you notice any unusual transactions on your account.
Fraud Monitoring		MBNA will monitor your account for any suspicious activity. They also offer a 24/7 365 helpline.
Identity Protection		-
Credit Report Access		-
3D Secure		MasterCard SecureCode An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers.
Contactless Payments		MasterCard PayPass You can pay for items costing £15 or less using faster contactless payment technology - no PIN or signature required - at participating retailers.
Purchase Protection Insurance		-
Purchase Delivery Insurance		-
Travel Insurance		-
Travel Accident Insurance		-
Travel Inconvenience Insurance		-
Assistance Abroad		-
Emergency Card Replacement		-

Go to provider website

Please read the following notice:

This page is part of an advertisement of this product.

The information on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.

While we make every effort to ensure and maintain current and accurate information on this site and the content on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.

You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.

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