Updated September 28, 2026 · DebitCue Editorial Team
SBI Card vs Virgin Atlantic Reward Credit Card
SBI Card
Virgin Atlantic Reward Credit Card
Higher score in this comparison
SBI Card vs Virgin Atlantic Reward Credit Card: the differences
| Compare | SBI CardReviewVisitVisit | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 45% | 27.9%Lower |
| Currency conversion fee | 1.99% to 3.5% | 0%Lower |
| Balance transfer intro period | 2 months | 21 monthsHigher |
| Balance transfer fee | 2%Lower | 2.95% |
| Annual fee | ₹499 | Not confirmed |
| Rewards type | Not confirmed | Cashback |
| Credit needed | Excellent | Not confirmed |
| Perks | Not confirmed | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Virgin Atlantic Reward Credit Card scores higher overall: 9.3 vs 8.7.
- APR is lower at Virgin Atlantic Reward Credit Card: 27.9% vs 45%.
- Currency conversion fee is lower at Virgin Atlantic Reward Credit Card: 0% vs 1.99% to 3.5%.
- Balance transfer fee is lower at SBI Card: 2% vs 2.95%.
- Balance transfer intro period is higher at Virgin Atlantic Reward Credit Card: 21 months vs 2 months.
- Support channels: only Virgin Atlantic Reward Credit Card offers Chat, Help centre.
- Features: only SBI Card offers Virtual card, Travel.
- Features: only Virgin Atlantic Reward Credit Card offers Rewards.
Our verdict on each
SBI Card
SBI Card suits business users in India who want a Visa credit line and a balance transfer route, though the pricing runs high. The APR of 45% is the figure to weigh, and the annual fee of INR 499 sits on top of it every year.
Virgin Atlantic Reward Credit Card
The Virgin Atlantic Reward Credit Card is a credit card from Nationwide Building Society, trading as Virgin Money, and it suits anyone clearing an existing balance while earning cashback. The interest free transfer window runs 21 with a fee of 2.95%, and support runs through chat, help centre and phone.
Score breakdown
| Area | SBI Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | 8.8Annual fee INR 499 and APR 45% against free annual fees on Wise, £0, and Chime Card, $0. | 9.1HigherPurchases run at 27.9% against a typical 20.97% on the site, while £0 keeps the account fee at nothing. |
| Offer | 8.1The offer is the balance transfer option, fee 2% with an intro period of 2, on Visa network visa. | 9.4HigherRewards are cashback, with a money transfer option and an interest free period on purchases. |
| Trust | 9.0 | Not confirmed |
Choosing between them
Pick SBI Card if balance transfer fee matter most.
Pick Virgin Atlantic Reward Credit Card if cost, offer, apr, currency conversion fee, and balance transfer intro period matter most.
Where these facts come from
SBI Card
- sbicard.com: 12 facts, checked September 26, 2026
- cuelinks.com: 1 fact, checked September 26, 2026
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 11 facts, checked September 26, 2026
How they place
| Ranking | SBI Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Credit cards | 35 of 1020 | 112 of 1020 |
| Balance transfer cards | 1 of 35 | 4 of 35 |
| Travel cards | 22 of 443 | 86 of 443 |
Every fact side by side
| Fact | SBI Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Features | Virtual card, Travel | Rewards |
| Audience | Business | Not confirmed |
| Legal entity | SBI Cards and Payment Services Limited | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | India | United Kingdom |
| Founded | 1998 | Not confirmed |
| Support channels | Phone | Chat, Help centre, PhoneCovers more |
Debit cards
| Fact | SBI Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Monthly fee | ₹0 to ₹9,999 | £0 |
| Card type | Not confirmed | Debit |
| Card network | Visa | Not confirmed |
Where each stands against the rest
| Fact | SBI Card | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Annual fee | ₹499above the median | Not confirmed | ₹0 |
| APR | 45%highest quarter | 27.9%highest quarter | 19.39% |
| Currency conversion fee | 1.99% to 3.5%above the median | 0%below the median | 1 |
| Balance transfer intro period | 2 monthslowest quarter | 21 monthsabove the median | 15 months |
| Balance transfer fee | 2%below the median | 2.95%below the median | 3% |
Median across 312 listed cards.
Pros and cons
SBI Card
Pros
- Balance transfers are available, with a fee of 2% over an intro period of 2.
- Runs on the Visa network, so the card is accepted wherever Visa is taken: visa.
- Virtual card and travel features are both listed, which suits spending abroad: virtual card and travel.
Cons
- The APR is 45%, which ranks 123 of 133 brands on rate.
- An annual fee of INR 499 applies, against £0 on Wise and $0 on Chime Card.
- Support runs on phone only, so there is no listed written channel for questions.
Virgin Atlantic Reward Credit Card
Pros
- The listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option put an interest free period on purchases alongside the balance transfer offer, so everyday spending can run interest free too while an old balance is being cleared.
- Help runs through chat, help centre and phone, with chat with Redi in the card app day and night for a quick answer on a charge or a transfer.
- The issuer is Nationwide Building Society (trading as Virgin Money), regulated in the UK by the Prudential Regulation Authority under reference 106078.
Cons
- Purchases run at 27.9%, above the typical 20.97% across the site, so a balance carried beyond the interest free window is costly to keep.
- It sits at position 105 of 133 brands on APR, which leaves less expensive rates sitting elsewhere in the comparison.
- Transfers cost 2.95% each, and 21 is the maximum interest free window offered rather than a fixed run for every applicant.
Who each suits
SBI Card
Who it suits
- Business owners in India who want a revolving Visa line and a balance transfer route for existing borrowing.
- Travellers who want a business card with travel features from a long established Indian issuer.
- Applicants with an excellent credit history, excellent, who can carry a high APR without strain.
Who should look elsewhere
- Wise, if the annual charge decides it: the annual fee is £0 against INR 499 here.
- Varo Believe Secured Credit Card, whose annual fee is $0, for applicants building a credit history from scratch.
- Chime Card (Secured Visa Credit Card), with an annual fee of $0, if the lowest annual charge matters most.
Virgin Atlantic Reward Credit Card
Who it suits
- Anyone clearing a balance on an existing card and willing to pay 2.95% for 21 of interest free running.
- Existing Virgin Money customers who already use the app, since the listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option are built around in app chat and cashback offers.
- Cashback shoppers who want an interest free period on purchases as well as on transfers, with both covered in the Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option.
Who should look elsewhere
- Not for anyone after the lowest possible rate: the Varo Believe Secured Credit Card is listed at 0%, though it works as a secured card.
- Not for pure everyday spending from an account balance, where the Starling Personal Account Debit Card at 15% is the simpler arrangement.
- Not for paying interest month to month, since the AXI Card Tarjeta y Credito lists 21.59% against 27.9% here.
Current offers
Virgin Atlantic Reward Credit Card
Current offer
Bonus
0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee
Promotional offer varies based on your circumstances and starts from account opening date; applies to transfers made in the first 60 days. Credit is available, subject to status, only to UK residents aged 18 or over.
Source, checked September 26, 2026
Bonus
Get 0% interest on balance transfers for up to 36 months on the balance transfer credit card: 0% for up to 36 months, fee per transfer
Promotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days. Fees and terms apply.
Source, checked September 26, 2026
Bonus
Virgin Money Cashback from selected top retailers on the Everyday Cashback Credit Card: up to 12% additional cashback
Register in the Virgin Money Credit Card app. Terms apply. Cashback credited monthly; does not count towards your monthly minimum payment.
Source, checked September 26, 2026
First period offer
Everyday Cashback introductory rate: 1% cashback for the first 90 days, then 0.25%, up to £15 a month
90 days starts from when the account opens; cashback deducted from your card balance monthly. Other fees may apply.
Source, checked September 26, 2026
Country by country
| Country | SBI Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| India | Yes | No |
| United Kingdom | No | Yes |
Questions about each
SBI Card
What does an SBI Card cost to hold and borrow on?+
The annual fee is INR 499 on the cards in the range that charge an annual fee, and the APR is 45%. Borrowing at that rate is the main cost, and it sits at 123 of 133 brands in this comparison. Monthly fees run INR 0 to INR 9,999 on top, so the price depends on the card you pick.
What does it cost to spend in another currency?+
Currency conversion fees run 1.99% to 3.5% across the range and apply whenever a purchase is made abroad. Spending in the local currency avoids the conversion charge. Travel features are listed, virtual card and travel, though the conversion rate still applies to foreign transactions on any card in the range.
Virgin Atlantic Reward Credit Card
What does it cost to hold and to borrow?+
The monthly fee is £0, so holding the account adds nothing in account fees. Borrowing is the expensive part: purchases run at 27.9%, and each balance transfer costs 2.95%. The transfer figure is the one to weigh against a card that charges nothing to move a balance.
How long is the interest free period on a balance transfer?+
The interest free window on balance transfers runs 21, and moving a balance costs 2.95%. Once that window ends the purchase rate of 27.9% is what applies, so the card works when the balance is cleared inside the period. Treat the window as the maximum rather than a fixed run.
Other options to compare
SBI Card
Virgin Atlantic Reward Credit Card