Rating based on 80 reviews

Virgin Money

Updated February 15, 2023

NO annual fees
A range of benefits
Low interest rates

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Author Virgin Money. Screenshot of Virgin Money website.
[Accessed December 11, 2022]

About Virgin Money

Being guided by the National Credit Regulator, Virgin Money has ensured that you're given the right tools when it comes to applying for a credit card.

Their job at Virgin Money is simple; they make sure that you're given the best credit cards that are affordable for their monthly budgets.

Virgin Money credit card can be good for you

There are many factors that they take into consideration before giving you a credit card. For starters, they look at your monthly debts to see how much you're spending.

They also check how much money you are left with after you have paid all your monthly obligations.

Virgin Money then works with those figures to ensure that financial freedom remains a prerequisite to their credit cards.

Deciding if a credit card is for you

Their website contains sufficient information you'll need to decide which credit card is best for you.

All Virgin Money credit card plans are top tier and they're all set up in a way that's suitable, affordable, and convenient for each customer.

Virgin Money Services

Due to the fact that they don’t want you to spend too much money on charges, they try their best to keep these to an absolute minimum.

This might sound unbelievable to many but Virgin Money makes it a reality. They want their credit card customers to at least feel like there is some good they do in meeting them halfway.

Zero credit card fees

One of the reasons they're the best in the market is because of the travel insurance benefit that's included with their credit cards.

Their customers have found their services to be reasonably affordable and they'd recommend them to anybody who needs an affordable and beneficial credit card. Virgin Money customers have rated its credit card services to be above average and effective.

Become part of a big financial family with a company that has your best interest at heart. Furthermore, they'd do everything that they can to ensure that you don’t necessarily spend a lot of money. They'd never put you in a situation that makes it difficult for you to pay your monthly debts.

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

All the credit cards that they offer have benefits that you can make use of as soon as you get access.

They make it their life's mission to ensure that your every need is taken care of. Your financial stability is what matters to them most.

The end goal is the fact that you'll save money and shop cost-effectively with your credit card. Should you take particular interest in one of their credit cards, you can apply for a credit card online or give them a phone call and they'll be delighted to assist.

How the credit card process works

They usually advise their loyal customers to not only use the credit card for shopping, and also not to an extent that it reflects a negative bank balance. You must use it responsibly and also for managing your budget.

A variety of credit card options

The fact that there are many different credit cards in South Africa means that you'll never be restricted to one credit card option.

In fact, you'll have a wide variety of credit cards to choose from because there are many that might be exactly what you're looking for in terms of charges and interests charged.

Qualifying for a credit card

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 wants to teach its clients the art of financial freedom and how to maintain it with the credit cards that they offer.

Credit cards are always something handy to have with you at all times. Since Virgin Money has many different credit card plans it'll be better for you to compare their credit cards so that you make sure you choose the best one for you.

Benefits of a Virgin Money credit card

Earn rewards
Access instant cash when you need it
Shop in-store and online anywhere in the world
Low-interest rates
Astonishing service delivery

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

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February 2021

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 2021

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

Sarah J
— Port Elizabeth —