Rating based on 80 reviews

Virgin Money

  • NO annual fees
  • A range of benefits
  • Low interest rates

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Virgin Money homepage
Author Virgin Money. Screenshot of Virgin Money website.
[Accessed April 5, 2018]

About Virgin Money

Being guided by the National Credit Regulator, Virgin Money has ensured that all clients are given the right tools when it comes to applying for credit.

Our job at Virgin Money is simple; we make sure that clients are given the best credit cards that are affordable for their monthly budgets.

Will a Virgin Money credit card be good for me?

There are a number of factors we take into consideration before giving you a credit card. For starters, we look at your monthly debts to see how much you are spending and much money are you left with after you have paid all your monthly obligations. We then work with those figures to ensure that financial freedom remains a prerequisite to our customers.

Do you need help deciding?

Our website contains sufficient information you will need to decide which credit card is best for you.

Virgin Money Services

All the credit cards that we offer have benefits that you can make use of when you get access to the credit card.

The end goal is the fact that you will save money and shop a cost-effective way. Should you take particular interest in one of our credit cards, you can apply online or give us a phone call and we will be delighted to assist.

How does the process work?

We usually advise our customers to not only use the credit card for shopping to an extent that it reflects a negative bank balance but also use it for managing their budget too.

What do I need to apply?

The fact that there are a number of different credit cards in South Africa means that a client will never be restricted to one credit option. In fact, you will have a wide variety to choose from because there are many that might be exactly what you looking for in terms of charges and interests charged. In order to qualify, you need to be 18 years and older, you should be committed to some form of employment that pays you a minimum of R5000 and you should be a South African citizen.

Virgin Money – Credit card

  • Loan Type Credit cards

Benefits of Virgin Money

  • No annual credit card fees
  • Get a range of benefits
  • Competitive interest rates

Choose the best banking partner in SA, choose Virgin Money

How competitive are the rates compared to other loans?

Due to the fact that we don’t want our customers to spend too much money on charges, we try our level best to keep the charges on an absolute minimum. Furthermore, there are no charges charged for 55 days. This means there will be 55 days where you can use your credit as many times as you want without being charged a cent. This might sound unbelievable to many but Virgin Money makes it a reality. We want our customers to at least feel like there is some good we do in meeting them halfway.

Zero card fees

One of the reasons we are the best in the market is because of the travel insurance benefit that is included in our credit cards. Our customers have found our services to be reasonably affordable and we would recommend them to anybody who needs a cheap and beneficial credit card.

Our customers have rated our services to be above average and effective. They feel like they are part of our big financial family because we always have their best interest at heart. Furthermore, we do everything we can to ensure that they don’t necessarily spend a lot of money but rather spend their money wisely so that they are never put in a situation that made it difficult for them to pay their monthly debts. We want to teach our clients the art of financial freedom and how to maintain it.

man holding thumbs up

Virgin Money is a trusted & reliable provider of credit cards

In our review, Virgin Money adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

Virgin Money is a registered credit provider in South Africa: FSP31730

Customer Reviews & Testimonials

February 2019

What’s lovely about the credit card that I have gotten from virgin every time I swipe it helps me get rewarded.

Mel J
— Johannesburg —

November 2018

I never knew that a credit card application would be so quick and the service is super speedy you cannot go wrong with them.

Kyle S
— Cape Town —

November 2018

The app is fantastic you can keep up with all of your finances and if you have any questions you can contact any at virgin and they are more than willing to help.

Sarah J
— Port Elizabeth —

Virgin Money Contact

Physical Address

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed