Information is current as at 29/01/06. The Virgin Credit Card is issued by Westpac Banking Corporation and Westpac is the credit provider. Fees and charges apply. Full details of all terms and conditions are available on request. These may be varied, or new terms and conditions introduced in the future. Up to 55 days interest free on credit purchases, for accounts paid in full by the due date. Interest on cash advance transactions is calculated from the date the transaction is debited to your card account. Interest rates are variable and therefore subject to change. Credit card applications are subject to our normal lending criteria.