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Your credit card works wonders if you know how to work it, luckily for you, we’re here to tell you how.

But first, the one Golden Rule: Make sure you pay off your credit card monthly. Now that we’ve got that out of the way, here’s a credit card cheat sheet to show you the genius ways your Virgin Money Credit Card can brighten up your day.


Most credit cards have a rewards programme. The trick is to use it to your advantage because you don’t want to spend your money just so you can get points and discounts. N to the O. Instead, think to yourself, “Can I buy what I need at one of my credit card rewards partners?” If the answer is “yes”, then it’s a no-brainer.

Your Virgin Money credit card can get you offers and discounts from Virgin Atlantic, Virgin Mobile, Camelot Spa, Ulusaba Private Game Reserve, Netflorsit and Celestial Gift Experiences.

Travel Insurance

Get free basic travel insurance when you book with your Virgin Money credit card. And that’s not all. Use your card to book a flight with Virgin Atlantic to pocket even more discounts. Deals on deals – lovely!

Zero fees = more money for you

Your Virgin Money credit card has zero monthly fees, zero transaction fees for qualifying purchases and no monthly service fees. What does this mean for you? With other credit cards, you’re paying fees even when you’re not using the card. Using a fee-free credit card means you’re leaving more money in your account to spend on what you like.

Build up a solid credit score

Using your credit card responsibly is one of the best ways to build a solid credit score. Remember that Golden Rule we mentioned earlier? Good. Make sure you pay your credit card on time to improve your credit score. The better your credit score, the better your interest rate (which means, the more banks will love you). With your Virgin Money credit card, you can set an automatic payment for an amount that you select. That way, you’ll never “accidentally” miss a payment.

Virgin Money South Africa (Pty) Ltd supported by Absa Bank Limited, Reg no 1986/004794/06
An Authorised Financial Services Provider Registered Credit Provider (NCRCP7)