If you’re looking for a credit card for the first time, you can’t go wrong with another Virgin.

A Virgin credit card and Virgin Money conjure up images of larger than life Richard Branson.

Most of us will remember the hype surrounding the launch of the company in this country after a nation-wide advertising campaign.

Like its founder, a Virgin credit card is innovative. It offers many benefits and features which appeal to the younger age group.

A Virgin credit card has many unique benefits

  • Virgin credit cardNo annual card fees
  • No monthly service fees
  • Competitive interest rates
  • Free travel insurance
  • Up to 55 days interest-free on Point Of Sale transactions


Some of the Virgin credit card features 

Clients get personalised credit cards up-front plus they can link three additional cards to their main account. A Car Card™  is available which caters for everything on four wheels. All credit limits based on individual credit scores. Another big bonus is protected online shopping with 3D Secure; shopping has never been safer online. With all of these benefits, you also qualify for Exclusive Virgin Money Rewards.

Qualification criteria for the Virgin credit card

  • You must be 18 years of age and older
  • Your minimum monthly income should be R5000 or more
  • Only South African residents with bar-coded ID book or card can apply
  • You also need to have a South African savings or cheque account with a reliable bank



  • No annual card fees
  • No monthly service fees
  • FREE internet banking
  • No POS fees


Interest Rates

Card holders who pay the full amount on their card each month enjoy up to 55 days interest-free on their point of sale transactions. Furthermore, positive account balance gets you 2.5% interest annually, with money deposited into your account. In addition, Virgin Money charges a variable rate linked to the repo rate.

Virgin Money offers a flat fee pricing structure


  • Secondary cards are free of charge
  • Once-off Initiation Fee: R160
  • ATM enquiries and statements: R6.50
  • Withdrawals from ATM’s worldwide: R22
  • Cash deposits at an ATM: R32
  • Cheque deposit fee: R58
  • Cash deposits at any Absa branch: R57
  • Cash withdrawals at any Absa branch: R58
  • Lost card administration fee: R160
  • Card replacement fee: R160
  • NotifyMe: R0.55
  • Currency conversion fee: 2.75%

These fees took effect at the beginning of January 2017.

Be Smart

  • Save time with Automatic recurring payments.
  • Control accounts with SMS alerts relating to all credit card transactions. Affordable fees apply.
  • Credit limits can be increased yearly to keep pace with your buying needs


Contact them at: Tel: 0861 822 273 / 0861 VCCARD (local only) or 011 354 4510. Email: services@virginmoneycard.co.za

All info was correct at time of publishing