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Details about a Virgin Credit Card MasterCard.
Summary Box Card Name: Virgin Credit Card Card Issuer: Virgin Money Card Type: MasterCard Exclusive Features: This is a market leading balance transfer card with a 0% introductory period on balance transfers for 16 months with a 2.98% balance transfer fee. Also use this card to get money off your holidays Interest Rates Typical APR Purchases Typical 16.6% APR (variable)   Annual Rates Cash Advance Annual Rate 27.9% p.a. (variable) Balance Transfer Annual Rate 18.6% p.a. (variable) Cheque Advance Annual Rate 20.6% p.a. (variable)   Promotional Rates Purchases 0% p.a. for 3 months Cash Advances None Balance Transfers 0% p.a. for 16 months     Monthly rates Purchases 1.2916% per month (variable) Cash Advance 2.0751% per month (variable) Balance Transfers 1.4352% per month (variable) Cheque Advances 1.5766% per month (variable)   Promotional Rates Purchases 0% per month Cash Advances None Balance Transfers 0% per month   Anniversary Offer Rate None Duration None Fee None   Additional Purchase Rates Rate None Duration None Transaction None   Price For Risk No Cash Back & Rewards Cash Back on Purchases No Cash Back on Transfers No Conditions No    Rewards Yes Conditions 10% instant discounts on selected Virgin products Repayment Conditions Interest Free Period 50 days for purchases if you pay your balance in full and on time.   Minimum Monthly Period Your minimum payment will be your balance (if this is less than £25); or whichever is the greater of: £25; or 1.00% of your statement balance before any default charges and interest (to which default charges and interest will be added).   Direct Debit Facility Yes Payment by Direct Debit is available.   How Interest is Charged MBNA Europe Bank Ltd will charge interest on all transactions, fees, other charges and interest starting on the transaction date and ending on the date you pay the bill in full.   Allocation of Payments If you do not pay your balance in full Virgin will use your payments to reduce lower rate balances before higher rate balances. If promotional rate balances are the same Virgin will repay them in the following order: first, the one with the earliest expiry date; if the expiry dates are the same then the one which started first; if the expiry dates, and start dates are the same then the one with the lowest standard rate. Fees & Charges Annual Fee None   Cash Advances 3% handling fee £3.00 minimum charge   Foreign Exchange 2.99% EU 2.99% Non-EU   Duplicate Statement No charge   Transaction Record No charge - UK No charge - International   Replacement Card No charge   Late Payment £12.00 failure to make at least the minimum payment to your account by the payment due date   Over Limit Fee £12.00 charge for exceeding your credit limit at any time   Return Fee £12.00 charge applied when a Direct Debit, cheque or other item is not paid when presented   Balance Transfer Fee Yes There is a handling fee of 2.98% of the balance transfer amount (minimum £3.00).
Eligibility
Minimum Age:	18
Minimum Income:	No
Status:	You must be a UK resident and have a bank or building society account. Subject to status.
Available Credit Limit:	No
ATM Withdrawal Notes
Notes:
Interest Rates
Rate Notes:	There is an introductory rate for purchases of 0% p.a. fixed for the first 3 months of account opening. After the introductory period, the rate reverts to 16.6% Typical APR (variable), 1.2916% per month.
Balance Transfers:	Balances can be transferred at an introductory rate of 0% for the first 16 months from the date the account is opened. A 2.98% handling fee applies. Transfers must be made within 60 days. After the introductory period the rate reverts to 18.6% (1.4352% p.m.). There is no interest free period for balance transfers (outside of the promotional period). You cannot transfer a balance from another card issued by MBNA Europe Bank Ltd.
Cash & Cheque Advances
Cash Advance Notes:	There is a cash advance handling fee of 3.00% (minimum £3.00). There is no interest free period on cash advances.
Withdrawal Limit  (UK):	Not disclosed.
Withdrawal Limit  (Non-UK):	Not disclosed.
Cheque Book:	Yes
Cheque Advance  Notes:	The chequebook can be used to transfer cash into your current account. You can also use your cheques for anything from paying off other credit and store cards, to paying your general utility bills. There is an introductory rate on cheque transactions of 0% p.a. for the first 16 months of account opening. After the introductory period the rate reverts to 20.6% p.a. (1.5766% p.m.). There is a handling fee of 2.98% of the cheque amount (minimum £3.00). You can only draw cheques in pounds sterling and you cannot use this account to pay MBNA Europe Bank Ltd. There is no interest free period for cheques (outside of promotional period).
Cashback & Loyalty Rewards
Cashback Conditions:	No
Loyalty/Reward Conditions:	Up to 10% off Virgin holidays, 10% off Virgin wines, 10% off Virgin Vie at home and other discounts and offers available when paying with your Virgin credit card.
Benefits & Discounts
Benefit Notes:	- Every card comes with chip and PIN built in, ensuring you enjoy the most up to date protection against card crime. Having your own PIN makes it harder for anyone else to use your card if it gets stolen or lost. - First month free with Virgin Media - If you're in a cable area, get 3 services for £30 with one month FREE and FREE standard installation. If not, get 2 services for £19.99 with a FREE TV Box or wireless router and FREE activation. Just pay with your Virgin Credit Card to get the offer. - 10% discount on selected Virgin products, including; Virgin Wines, Virgin Holidays, Virgin Trains, and car, home, pet and annual travel insurance.
Online Account Management:	Yes
Conditions:	View your balance, credit limit and last six months' transactions online. You can also transfer a balance, pay other bills, request a credit limit increase, credit card chequebook or PIN and more.
Price Match Guarantee:	No
Choice of Card Designs:	Yes
Card Design Options:	Choose from a red, black or pink design.
Discounts on:
Hotels	Yes
Travel	Yes
Dining	No
Car Hire	No
Other	Yes
24 Hour Service:	Yes
Free Additional Card:	Yes
Insurances & Protection
Card Protection:	Refer to provider.
Payment Protection:	79p per £100 of your monthly statement balance (including your insurance premium*) LifestyleProtect offers protection should the unexpected happen. Your credit card payments may be covered against: - Accident and Sickness: pays at least your minimum monthly credit card payment for 12 months and then pays off your claim event balance. - Involuntary Unemployment: pays at least your minimum monthly credit card payment for 12 months and then pays off your claim event balance. - Carer cover: the policy will cover you if your work ceases due to the need for you to become a full time carer for a close relative. - Hospitalisation: if you’re over 65 or permanently retired from work, the policy will pay at least your minimum monthly credit card payment for 12 months and then pays off your claim event balance. - Life cover: in the event of death, the policy will pay the outstanding balance (less any arrears) up to a maximum of £100,000. - Other features include free unemployment, medical and legal helplines—available whether claiming or not. We also offer a simple claims process. * This cost also includes Insurance Premium Tax at the current rate. The amount you pay each month will be based on the balance for your account for the applicable statement period. For example, should your statement balance be £1,000 for 3 months, then the total cost of the cover would be £23.70 (plus interest, if applicable). Terms and conditions apply.
Free Purchase  Protection:	Yes
Conditions:	Up to £1,000 per purchase using your credit card. Excess applicable. There are terms and conditions applicable to the claim limit.
Claim Limit (per year):	£15,000
Internet Fraud Guarantee:	Yes
Conditions:	There is no liability to pay for theft, loss or fraudulent internet use.
Extended Warranty:	No
Refund Protection:	No
Travel Accident  Cover:	Pay for your travel tickets in full using your card and you will automatically be covered should you have an accident during your journey. If your spouse, partner or dependent children (under the age of 23 years) are travelling with you, they will be included in the policy too.
Cover Limit:	£100,000
Travel Delay  Insurance:	Up to £250 for food, accommodation and additional travel expenses charged to a qualifying card, if flights, ferries or trains are delayed or cancelled or if you miss a connection and no alternative transport is available for you within 8 hours.
Lost Luggage  Insurance:	No
Delayed Luggage  Insurance:	Up to £250 for the purchase of emergency clothing charged to a qualifying card, if luggage is delayed by more than 12 hours and up to a further £250 if luggage is delayed by more than 48 hours.
Emergency Card:	Yes
Emergency Card  Notes:	Should your card be lost or stolen call 0800 854 180 or, if abroad, ring the operator and reverse charges to +(44) 1244 673 101.
Personal Liability  Insurance:	No
Fees & Charges
Notes:	No annual fee. If you ask MBNA to provide any documents such as copies of statements, vouchers and cheques, or if you ask them to accept payment from you other than cheque, Direct Debit or payment over the counter at a bank, you may have to pay MBNA's service charges.
General
Other Information:	---

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