Virgin Money
Credit Cards

Virgin Money Credit Cards

Important Information

Our credit cards have been extremely popular recently. Due to the significant demand we have temporarily removed a number of cards from sale both online and in our contact centre. We’ll be back taking applications across our full range of cards soon.

If you are already a customer you can sign in and service your account.

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Virgin extras

Discover the exclusive benefits a Virgin Money Credit Card unlocks for you.

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CUSTOMER OFFERS

Virgin Group discounts

Great deals across the group when you become a Virgin Money customer.

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CUSTOMER OFFERS

Live it up with Virgin RED

Live a life more Virgin with the Virgin RED app, which sends offers straight to your phone.

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CUSTOMER OFFERS

Introducing Virgin Money Back

Our coolest new card feature which lets you earn cashback when you shop online.

Need help?

What is a balance transfer?

A balance transfer allows you to move part or all of the balance of another credit card or store card to your Virgin Money Credit Card.

If you have existing high interest credit or store cards, transferring any outstanding balances to your Virgin Money Credit Card could save you money (fees apply). You will not be able to transfer a balance from another card we issue and you cannot use your card to repay a loan, overdraft or mortgage issued by Virgin Money.

Transferring other debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

Balance transfers can be made only to a UK account in the primary card holders name.

What is a money transfer?

A money transfer is a feature of the Virgin Money Credit Card. It allows you to transfer funds straight into your bank or building society account.

Whether you want to transfer funds to pay off an overdraft with a higher interest rate, or free up some money for home improvements, you can transfer money from your Virgin Money Credit Card directly into your own bank or building society account.

A transaction fee may apply and you will need to request your money transfer within the first 60 days of opening your account to receive the introductory promotional offer.

Transferring funds from this card and paying only the minimum payment amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

Money transfers can be made only to a UK account in the account holders name.

Still need help?

View our questions and answers  

If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period. When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.

You will not be able to transfer a balance from another Virgin Money Credit Card and should not use your card to repay other borrowing from Virgin Money.

Credit is available, subject to status, only to UK residents aged 18 or over.

Calls are charged at your service provider’s prevailing rate and may be monitored and recorded.

The Virgin Money Credit Card is issued by Virgin Money plc – Registered in England and Wales (Company No: 6952311). Registered office – Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Virgin Money plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board: www.lendingstandardsboard.org.uk

Your copy of the Statement of Lender and Borrower Responsibilities