Virgin Money Credit Card South Africa: No Annual Fees, R1 000 000 Travel Cover and Rewards
Virgin Money Credit Card South Africa brings no annual fees, up to R1 000 000 travel medical cover, competitive rates and rewards that stretch every rand
Why choose the Virgin Money Credit Card in South Africa
The Virgin Money Credit Card delivers a clear benefit for South African consumers: no annual fees and competitive interest rates that keep costs down. For everyday spenders and travellers alike, the card stretches every rand with rewards, discounts and practical protections.
Cardholders enjoy an interest-free period of up to 55 days on purchases when the balance is paid in full, plus the convenience of up to three additional linked cards. If you live in Cape Town, Johannesburg or Durban, this credit card offers local perks and familiar service that fit our market.
Travel cover, insurance and travel rewards
The standout feature is the free travel medical cover: up to R1 000 000 in emergency medical expenses for international trips when you buy tickets with the Virgin Money Credit Card. This basic travel insurance applies to cardholders under 75 and covers the first 90 days of a trip, giving peace of mind for regional and overseas travel.
Beyond medical cover, the Virgin Money credit card earns rewards points and unlocks exclusive discounts with partners like airlines and lifestyle brands. Redeem points for flights, vouchers or partner discounts so every rand you spend can convert into real travel value.
Fees, limits and interest explained
One of the biggest draws is the absence of annual and monthly service fees, making the Virgin Money Credit Card cost-effective for sustained use. There is a modest once-off initiation fee and standard cash withdrawal fees, but swipe and online banking transactions are free.
Interest rates are competitive within the South African market, and credit limits are set based on your assessed credit profile. Regular credit reviews help keep limits relevant to your financial behaviour, and balance transfers may be used strategically to manage higher-rate debt.
How to apply and what you need
To apply, you typically need to be at least 18, resident in South Africa and meet minimum income requirements. Have your latest payslips, bank statements and proof of residence ready; a barcoded ID or Smart ID is commonly requested during the application process.
Availability can vary, so check Virgin Money South Africa’s current offers and eligibility criteria online before applying. If this card isn’t available, compare similar South African credit cards for travel cover, no annual fees and rewards so you don’t miss out on the benefits.
