Virgin Balance Transfer Card

The long 39 month Virgin balance transfer card is now no longer available to new customers. This Virgin balance transfer card was withdrawn from the UK credit card market on 23rd October 2017.

Virgin Money have now withdrawn both of their 41 month and 39 month long balance transfer cards from the market.

[Update August 2018 – Virgin Money have now withdrawn ALL of their remaining Virgin Balance transfer credit cards. This is described as a temporary measure. However, it is currently unknown when, or if, any of the Virgin balance transfer credit cards will be available for online applications again.]

The number of balance transfer credit cards have reduced over recent months as the UK credit card companies have either removed their longest balance transfer cards all together, or reduced the length of the introductory 0% balance transfer offer.

Virgin Balance Transfer Credit Card – Existing Customers

Virgin credit card existing customers were not eligible for these long Virgin 0% balance transfer offers.

Virgin Money like many other credit card companies does not allow existing Virgin credit card customers to make a balance transfer to another Virgin Money credit card.

There are however, a number of alternative 0% balance transfer credit cards with long balance transfer offers or lower fees, that are currently available to Virgin credit card existing customers. These include all of the following popular featured 0% balance transfer credit cards:-

Card Offers

M&S Transfer Plus*

Balance Transfers:

0% for 28 Months

Balance Transfer Fee:

0.99%

Purchases:

0% for 6 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Transfer Plus*

• 0% for 28 months on balance transfers made within 90 days of account opening
• 0.99% balance transfer fee, minimum £5
• 0% on purchases for 6 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Preferential rates when you use your card to order M&S Travel Money
• Manage account online
• Annual Fee: None

Application Criteria

M&S Transfer Plus*

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

Card Offers

HSBC*

Balance Transfers:

0% for 32 Months

Balance Transfer Fee:

1.4%

Purchases:

0% for 3 Months

Representative APR:

21.9% APR (variable)

Card Details

HSBC*

• 0% interest on balance transfers for 32 months made within 60 days of account opening
• 1.4% balance transfer fee (minimum £5)
• 0% interest on purchases for 3 months from account opening
• At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
• home&Away rewards programme giving you instant discounts from well-known brands
• Online account management
• Annual Fee: None

Application Criteria

HSBC*

• You have an annual income or pension before tax of £8,500 or more
• You are a UK resident, including Isle of Man and Channel Islands
• You are aged 18 or over
• You do not hold an HSBC Basic bank account

Card Offers

Nationwide Credit Card just for Nationwide members*

Balance Transfers:

0% for 12 Months

Balance Transfer Fee:

0%

Purchases:

0% for 12 Months

Representative APR:

17.9% APR (variable)

Card Details

Nationwide Credit Card just for Nationwide members*

• 0% on balance transfers for 12 months from account opening
• 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
• 0% on purchases for 12 months from account opening
• Commission free allowance on purchases abroad (subject to terms)
• Manage account online
• Annual Fee: None

Application Criteria

Nationwide Credit Card just for Nationwide members*

• Our credit cards are just for members. You’re a member when you have a current account, mortgage or savings account with us
• You have been living in the UK for the last 12 months
• You have a gross income each year of more than £5000
• You have a good credit history
• You are aged 18 or over

Card Offers

Asda Cashback Plus*

Balance Transfers:

0% for 15 Months

Balance Transfer Fee:

3%

Purchases:

No offer

Representative APR:

26.2% APR (variable)

Card Details

Asda Cashback Plus*

• 0% on balance transfers for 15 months made within first 90 days of account opening
• 3% balance transfer fee, minimum &£3
• 0% for 6 months on purchases of £200 or more at George.com
• 2% cashback on your Asda shopping online and instore
• 2% cashback at Asda Living, Asda petrol stations and George.com
• 0.2% cashback everywhere else
• Annual Fee: £3 monthly fee

Application Criteria

Asda Cashback Plus*

• You are a UK resident
• You have a UK bank or building society account
• You are able to provide at least one telephone number
• You have a regular source of income
• You are aged 18 or over

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 20 Months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Shopping Plus*

• 0% for 20 months on balance transfers made within 90 days of account opening
• 2.9% balance transfer fee, minimum £5
• 0% on purchases for 20 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Preferential rates when you use your card to order M&S Travel Money
• Manage account online
• Annual Fee: None

Application Criteria

M&S Shopping Plus*

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

Virgin Balance Transfer

This Virgin balance transfer card did have an offer of 0% for 6 months on balance transfers with a lower 3% balance transfer fee in first 60 days, 5% fee applies after 60 days and a representative 22.9% APR variable. Balance transfers had to be made within the first 60 days to receive promotional offer. The Virgin balance transfer card had also offered 0% for 6 months on purchases.

The Virgin balance transfer card, like an increasing number of credit cards today such as the HSBC balance transfer card, did also includes the new contactless payments facility that allows a cardholder to pay for purchases of £30 or less without having to key in their PIN number.

The Virgin balance transfer card did come with a number of offers across the Virgin Group including 5% off Virgin holidays and Virgin cruises, 10% off selected advance fares on Virgin trains and 30% off Virgin balloon flights.

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