Virgin Credit Card Application Requirements: What You Need To Know Before You Apply

If you are wondering if you may be eligible to get a Virgin credit card then take a look through this information to find out everything you should know before filling out the Virgin credit card application. It will save you some time by knowing more about it beforehand.

Virgin credit card application:

Eligibility

If you can answer yes to the following questions then you can go ahead and fill out a Virgin credit card application.

• Are you over 18?
• Do you have a banking account?
• Are you a permanent resident of Australia?
• If you are applying for the Virgin Flyer Credit Card, do you earn at least $50,000 per year?
• If applying for the Virgin No Annual Fee Credit Card, is your income above $20,000 per year?

Credit limits

Credit limits are based on your own financial situation. If you have low debts and a high salary then you will probably receive a credit limit that is higher.

Managing your Virgin account

Your credit card account with Virgin can be managed either over the phone or online, based on your own personal preference.

When do I find out if I have been approved?

Virgin can usually tell you immediately if you have a successful application and if so, you will receive your card within 7 to 10 business days

Balance Transfers

A balance transfer can be requested online or by phone. It can be done when you submit your Virgin credit card application or at any time after that – all you need to do is call or submit a request online.

The Virgin Flyer Credit Card offers cardholders an interest rate of 1.9% p.a. for 9 months on balance transfers, while the Virgin No Annual Fee Credit Card comes with a 2.9% p.a. for 6 months balance transfer rate per year. The minimum amount you can request a balance transfer for is $500. You are not able to make a balance transfer from another Virgin credit card.

Where it can be used

You can use your Virgin credit card throughout the world and Australia. There are over 20 million retail outlets and 1 million cash machines to choose from worldwide.

Security

Every card comes with your own personal PIN and security chip which makes it difficult for anyone else to have access to your account if it is lost or stolen. Additionally, all Virgin credit cards are protected by FraudShield, a system that detects any irregular usage of your card, as well as by Visa’s Zero Fraud Liability policy.

How the balance gets paid

If you are unable to meet the full monthly commitment then your balance will be paid according to the rate of interest on each balance. Balance transfers will be paid off first, followed by higher interest rate balances.

The Virgin credit card application is easy to fill out, and you will get an all around useful card for virtually anybody in Australia.

This is just a small fraction of what the Virgin credit card has to offer, and if you want to know more about it you should take a look at more of the features, and start your application today.

How to apply for a new Virgin credit card

You can fill out a Virgin credit card application online and it is the most convenient way to find out if you will be accepted.

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Virgin No Annual Fee Credit Card	Offering a $0 annual fee for life, your choice of either red, black, blue, green or purple colour, and a balance transfer option.	18.99%	2.9% for 6 months	$0	20.99%
	Virgin Flyer Credit Card	Earn 1 Velocity Point per $ spent for up to $1,500 per month, then 1 Velocity Point per $2 spent after that.	20.99%	1.9% for 9 months	$99	20.99%

Previous Article: Switch to Virgin Money – Balance Transfer to a new Virgin Credit Card

Next Article: Virgin Australia Velocity Rewards – Frequent Flyer Rewards Program

Check out today's featured offers:

Westpac Low Rate	Citibank Clear Platinum	Qantas AMEX Discovery	ANZ Platinum
0% p.a. for 6 months on purchases & balance transfers	2.9% p.a. for 12 months on balance transfers	$0 annual fee Up to 10,000 Bonus QFF Points	0% p.a. for 6 months on purchases & balance transfers

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Related posts:

• Virgin Money Credit Card Application Requirements
• The Virgin Credit Card: What You Need To Know Before You Apply
• Switch to Virgin Money – Balance Transfer to a new Virgin Credit Card
• Virgin Flyer Credit Card – Review & Application
• Virgin No Annual Fee Credit Card – Review & Application
• MasterCard Credit Card Application Requirements
• New Virgin Credit Card to be introduced by Virgin Money and Citibank

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