Virgin Balance Transfer Credit Card

Virgin Balance Transfer Credit Card

Card benefits

With the longest balance transfer period of all our credit cards, the Virgin Balance Transfer Credit Card is the best way to buy yourself some time, while enjoying an introductory period on interest-free purchases.

Plus all these great benefits too:



Rate reminder

  • 0% on balance transfers
    for 20 months*

  • 0% on card purchases
    for 3 months*

Rate and handling fee of 2.99% applies to transfers made in the first 60 days.

Representative
example

  • Representative APR
    16.8% APR
     variable

  • Purchase rate p.a.
    16.8% p.a.
    variable

  • Assumed credit limit**
    £1,200
     

 
 

Card benefits

A discount scheme like no other

Your Virgin Credit Card comes with a fantastic discount scheme that can save you money across the Virgin group and beyond - exclusive savings no other UK credit card provider can give you.

Here's just a sample of the offers available:

Virgin Holidays5% off Virgin Holidays
Plus no credit card fee when you use your Virgin Card to pay. Offer includes city breaks, ski trips and family packages.
Virgin Wines10% off at Virgin Wines
Just pay with your Virgin Card. And if you order something that’s not to your taste, you can get a refund.
Virgin Active logo1 month free for new members at Virgin Active
When you pay for your initial fees on a 12 month contract membership with your Virgin Credit Card, you'll recieve a month free.
Virgin Experience DaysUp to 20% off Virgin Experiences
High-speed driving, flying lessons, bungee jumping, spa days, and more. You can save up to 20% on selected experiences when you pay with your Virgin Card.
Vie at Home10% off VIE at home
Save money on Cosmetics, Jewellery and Homeware when you shop online at vieathome.com and pay with your Virgin Card.
Virgin Balloon Flights30% off Virgin Balloon Flights plus
free Champagne & Chocolates
A voyage with Virgin Balloon Flights is the experience of a lifetime.

Rate reminder

  • 0% on balance transfers
    for 20 months*

  • 0% on card purchases
    for 3 months*

Rate and handling fee of 2.99% applies to transfers made in the first 60 days.

Representative
example

  • Representative APR
    16.8% APR
     variable

  • Purchase rate p.a.
    16.8% p.a.
    variable

  • Assumed credit limit**
    £1,200
     

 
 

Offers correct as at 28 November 2011. Terms and conditions apply and can be found at myvirginmoney.com. All offers are subject to change and may be withdrawn at any time.

Card benefits

Pay less interest on your balance

With the Virgin Credit Card, your monthly repayments go towards paying off the balance with the highest rate of interest first, instead of the lowest rate. This means your higher rate balances are paid off earlier, and you pay less interest overall.

So, you can use your Virgin Credit Card for everything from balance transfers to everyday spending, without worrying about whether you're getting the full benefit of your promotional rates - you always will be.



Rate reminder

  • 0% on balance transfers
    for 20 months*

  • 0% on card purchases
    for 3 months*

Rate and handling fee of 2.99% applies to transfers made in the first 60 days.

Representative
example

  • Representative APR
    16.8% APR
     variable

  • Purchase rate p.a.
    16.8% p.a.
    variable

  • Assumed credit limit**
    £1,200
     

 
 

Card benefits

Contactless payments

We've added a new feature to your card which lets 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.

How do I use Contactless?

1. Tell the retailer you'd like to pay with your contactless Virgin Credit Card

2. Hold your card against the terminal

3. Wait a second or two until you see the green lights or hear a beep.

4. Off you go - if you need a receipt, just ask the retailer for one.

Where can I use it?

Contactless logo

Anywhere you see the contactless symbol (opposite) in the UK and worldwide*. The list of retailers offering contactless is growing all the time - shops, coffee bars, newsagents, and more.

Find your nearest contactless retailer on the MasterCard PayPass website.

But don't worry if you don't see the contactless symbol, you can still use your card in the normal way and sign or enter your PIN.

*Contactless Virgin Credit Cards are designed for use in most countries around the world. However there are a small number of contactless terminals in the United States which use a security mechanism not supported by MBNA. If you attempt a contactless payment at one of these terminals it will be declined, however you will still be able to perform a standard swipe transaction at these retailers.

Why am I better off using 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. For added security you'll occasionally be asked to enter your PIN. And just like chip & PIN transactions, you won't be liable for any fraudulent contactless transactions made with your card. *
  • It's handy - like having the exact cash you need, when you need it.

* If your card is lost or stolen you'll incur no liability for fraudulent use of your card provided you notify us as soon as you realise your card is missing or you notice any unusual transactions on your account.

 

Rate reminder

  • 0% on balance transfers
    for 20 months*

  • 0% on card purchases
    for 3 months*

Rate and handling fee of 2.99% applies to transfers made in the first 60 days.

Representative
example

  • Representative APR
    16.8% APR
     variable

  • Purchase rate p.a.
    16.8% p.a.
    variable

  • Assumed credit limit**
    £1,200
     

 
 

Card benefits

Paperless statements

We want to make it as easy and convenient for you as we can so your statements will be available to view online instead of being sent in the post. We'll always send you an email to let you know when your statement is ready to view online at myvirginmoney.com.

You'll need to register for online service to view your paperless statements. If, at some point in the future, you'd prefer to receive paper statements - you can change your options in online service.



Rate reminder

  • 0% on balance transfers
    for 20 months*

  • 0% on card purchases
    for 3 months*

Rate and handling fee of 2.99% applies to transfers made in the first 60 days.

Representative
example

  • Representative APR
    16.8% APR
     variable

  • Purchase rate p.a.
    16.8% p.a.
    variable

  • Assumed credit limit**
    £1,200
     

 
 

Card benefits

Run your account online 24/7, or by phone

It’s up to you how you choose to run your Virgin Credit Card account. You can manage your account by phone or online - either way is easy.

To service your card by phone, call us on 0800 015 0306, 24 hours a day, 7 days a week, or to access your account online anytime of the day or night, just click on 'My Virgin Money'.

It only takes a few minutes to register for online service, and as soon as you’re up and running you can:

  • Access your account 24/7
  • Check your balance and credit limit
  • See your PIN securely on-screen
  • Make payments/set up direct debits
  • Update your details
  • And much more...


Rate reminder

  • 0% on balance transfers
    for 20 months*

  • 0% on card purchases
    for 3 months*

Rate and handling fee of 2.99% applies to transfers made in the first 60 days.

Representative
example

  • Representative APR
    16.8% APR
     variable

  • Purchase rate p.a.
    16.8% p.a.
    variable

  • Assumed credit limit**
    £1,200
     

 
 
Apply online
 

Like to talk to us?

Call us on
0800 096 9939
Calls may be recorded

We're here...

8am to 9pm, Mon to Fri 9am to 9pm, Sat
9am to 7pm, Sun.


*From the date your account is opened. Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions.

**Your credit limit will depend on your personal circumstances.