The credit card that simplifies your life and still gives back a portion of what you spend.

The Virgin All Round Credit Card was designed for those seeking everyday practicality without giving up real and accessible benefits.

With a simple and functional proposal, it suits different usage profiles, offering solutions that simplify money management.

The combination of cashback, app-based control and competitive rates makes it a smart choice for anyone wanting lighter finances.

Want to change how you use your card and make the most of your spending? Discover the Virgin Money All Round Credit Card and rethink your credit.

Type of Operation	Applicable Rate
Balance Transfer	0% up to 32 months plus 2.9% to 3.5% fee
Purchases	0% up to 20 months, then 24.9% APR
Purchase Instalments	Fixed monthly fee (shown in app)
Money Transfer	0% up to 12 months plus 4% to 5% fee
International Purchases	2.99% on converted amount
Cash Withdrawals	Around 5% plus immediate interest

Get to Know the Virgin Money All Round Credit Card: A Versatile Card for Any Situation

The Virgin All Round Credit Card is issued by Virgin Money UK, a well-established financial institution regulated by the Financial Conduct Authority with a strong reputation.

Credit limits typically range from £1,000 to £5,000 depending on the customer’s profile, with the average starting limit approved close to £2,500.

Virgin Money is known in the UK for its innovation and security. Its products are widely used by young adults, freelancers and families.

This card appeals to those looking for real savings with flexibility. It allows transfers, purchases and instalments with great terms and no annual fee.

Main Benefits of the Virgin Money All Round Credit Card

The Virgin All Round Credit Card combines benefits for those who want more financial control without losing convenience or cost-effectiveness.

As well as being easy to manage, this card provides real perks like promotional interest, cashback and instalment options with accessible fixed rates.

Balance Transfers with 0% Interest for up to 32 Months

With the Virgin All Round Credit Card, you can transfer debts from other cards and pay no interest for up to 32 months, worry-free.

This option is perfect for reorganising your finances and gaining breathing space to pay the full amount, without pressure or surprises.

Purchases with 0% Interest for 3 to 20 Months

Making larger purchases without interest is a major advantage. Promotional periods of up to 20 months at 0% are available.

It is a clever solution for those who prefer to spread payments without extra costs. Ideal for planned or emergency spending.

Money Transfers with 0% Interest for up to 12 Months

Need to send money to your bank account? With this card, you can do so at 0% interest for up to 12 initial months.

This benefit offers flexibility for unexpected situations, such as urgent bills or balancing your monthly budget.

Smart Money Management App

The Virgin Money app gives you full control of your card. Track your spending, set alerts and manage your limit with just a few taps.

The experience is intuitive and practical, made for those who like to know exactly where they are spending and what remains available.

Purchase Instalments with Fixed Monthly Rates

Purchases over £250 can be split between 3 and 36 months, with fixed monthly fees clearly shown in the app.

This helps you plan higher expenses with more predictability. You know what you’ll pay from day one, with no surprises later on.

Rewards and Cashback

Shop with partner retailers and earn cashback directly through the app. Some offers go up to 15%, making it easy to save.

These deals change frequently, so it’s worth checking the app and taking advantage of what matches your lifestyle.

No Annual Fee

The card offers all these features with no annual fee. That means fewer fixed costs and more long-term savings.

It’s a great fit for those looking for a functional card with strong benefits but no added yearly cost.

Internationally Accepted

The Virgin All Round Credit Card works anywhere Mastercard is accepted, so you can travel and shop abroad with ease.

Whether online or in-person, in the UK or overseas, the card delivers convenience and security whenever you need it.

Eligibility Requirements to Apply for the Virgin Money All Round Credit Card

To apply for the Virgin All Round Credit Card, you must meet a few basic requirements including age, income and UK residency.

While the card is accessible, it is subject to a credit check, so a healthy financial history is important before applying.

Applicants must be at least 18 years old and reside in the UK. A valid UK bank account is also required.

The minimum individual income expected is £7,000 per year, or £15,000 for those applying based on household income.

Step-by-Step Guide to Apply for the Virgin Money All Round Credit Card

Applying is simple, fast and entirely online. Follow these quick steps to secure your card.

1. Visit the Virgin Money official website: Go to the Virgin Money website and select the Virgin All Round Credit Card from the available credit card options.
2. Use Virgin’s Card Checker: Check your eligibility without affecting your credit score. Results appear instantly with a pre-approved limit if eligible.
3. Enter your personal and financial details: Provide basic information such as your income, address and UK bank account number for full evaluation.
4. Submit your application and wait for approval: After review, you will receive a response by email. If approved, the card will be sent straight to your address.

With just a few clicks, you’ll be ready to use a complete, practical card full of real benefits.

Applicable Fees for the Virgin Money All Round Credit Card

The Virgin All Round Credit Card comes with great features, but it’s important to understand all the charges before using it.

Knowing each cost helps you manage the card wisely and make the most of its benefits.

Balance Transfer Fee

For debt consolidation, the Virgin All Round Credit Card offers 0% interest on initial balance transfers for up to 32 months.

However, a one-time transfer fee applies, usually ranging from 2.9% to 3.5% of the amount transferred.

This fee is charged immediately and appears on your statement. Still, the 0% deal is a strong advantage.

Remember, the transfer must be made within 60 days of opening the card to qualify for this promotion.

APR (Annual Percentage Rate)

After promotional periods, the standard APR applies. The representative rate is 24.9% per year (variable).

APR applies to purchases, transfers and withdrawals not covered by promotional or instalment plans.

Paying your full balance monthly is advised to avoid interest, especially after promotions end.

The APR may vary based on your credit profile and will be clearly shown upon approval.

Purchase Instalment Fee

Purchases over £250 can be paid in up to 36 monthly instalments with a fixed monthly fee set at the time of selection.

This fee is clearly displayed in the app and helps you pick the best plan for your budget.

The total amount is split into equal payments, making planning easier and reducing the risk of surprises.

This option supports better budgeting, particularly for larger purchases or one-off investments.

Money Transfer Fee

You can transfer money to a bank account at 0% interest for up to 12 months if done within the first 60 days.

However, a service fee between 4% and 5% of the amount transferred is usually charged.

This can be helpful in emergencies but should be used with awareness of the cost-benefit.

Depending on the amount and your planning, the 0% period may offset the upfront fee.

Foreign Currency Conversion Fee

For international or foreign currency transactions, a 2.99% conversion fee is charged on the converted value.

This is standard among UK credit cards and should be considered when making purchases abroad or online in other currencies.

You can use the Virgin All Round Credit Card overseas without issue, but planning ahead helps avoid surprises.

The fee is applied automatically when the transaction is processed by Mastercard in a foreign currency.

Late Payment Fee

There is no fixed penalty, but interest is charged on unpaid balances after the due date.

Late payment also negatively affects your credit score and may impact future financial approvals.

Staying on top of payments ensures you enjoy all the benefits with no added costs or complications.

Using the app to set reminders or activate direct debit is an easy way to avoid late payments.

Conclusion

The Virgin All Round Credit Card is a solid choice for those who want convenience, flexibility and real benefits in one complete card.

With promotional rates, a smart app and accessible instalments, it offers the right balance for everyday finances.

The lack of an annual fee and variety of perks make this card even more appealing to those who value savings and functionality.

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