Virgin Credit Cards

Check out the features you can get with a Virgin Money credit card, including up to 60,000 bonus Velocity Points, 0% balance transfer offers, competitive rates and perks.

Updated Apr 20, 2021. What changed?

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From frequent flyer rewards cards to low rate and no annual fee options, Virgin Money credit cards can suit many different lifestyles and goals. Depending on the card you choose, you could also enjoy an introductory 0% interest rate on balance transfers or purchases, bonus points and platinum perks such as complimentary insurance and flight vouchers.

Use this guide to compare Virgin Money credit cards features, benefits and fees. You can also learn how to apply and find answers to frequently asked questions so that you can decide if a Virgin credit card is right for you.

Virgin Money Credit Card Offer

0% p.a. for 28 months on balance transfers
$0 first-year annual fee

Offer ends 30 September 2021

Eligibility criteria, terms and conditions, fees and charges apply

Virgin Money Credit Card Offer

Save with a long-term balance transfer rate and $0 annual fee for the first year. Plus, earn Velocity Points for your spending.

0% interest for the first 28 months on balance transfers
$0 first-year annual fee ($129 p.a. thereafter)
20.74% p.a. purchase interest rate | 20.99% p.a. cash advance rate
$6,000 minimum credit limit

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Compare Virgin Money Credit Cards

Name	Balance transfer rate	Purchase rate	Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer	0% p.a. for 28 months	20.74% p.a.	$0 annual fee for the first year ($129 p.a. thereafter)	Get 0% p.a. on balance transfers for 28 months and a $0 annual fee in the first year. Ends 30 September 2021.	Go to site More Info	Compare	loading Fetching your data...
Virgin Australia Velocity Flyer Card - 0% Interest Offer	0% p.a. for 14 months	0% p.a. for 14 months, reverts to 20.74% p.a.	$129	Save with 0% p.a. interest on purchases and balance transfers for 14 months and earn Velocity Points per $1 spent.	More Info	Compare	loading Fetching your data...
Virgin Australia Velocity Flyer Card - Bonus Points Offer	0% p.a. for 20 months	20.74% p.a.	$0 annual fee for the first year ($129 p.a. thereafter)	Get up to 40,000 bonus Velocity Points on eligible spending and a $0 first-year annual fee. Also, a 0% balance transfer offer.	More Info	Compare	loading Fetching your data...
Virgin Money No Annual Fee Credit Card	0% p.a. for 12 months	0% p.a. for 12 months, reverts to 18.99% p.a.	$0	Save with a $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.	More Info	Compare	loading Fetching your data...
Virgin Australia Velocity High Flyer Card	0% p.a. for 12 months	20.74% p.a.	$289	Take off sooner with up to 60,000 bonus Velocity Points, lounge passes and insurance covers. Plus, a 12-month balance transfer.	More Info	Compare	loading Fetching your data...
Virgin Money Low Rate Credit Card	0% p.a. for 15 months with 1% balance transfer fee	11.99% p.a.	$99	Offers 0% p.a. for 15 months on balance transfers (with a 1% BT fee) and a low ongoing purchase rate of 11.99% p.a.	More Info	Compare	loading Fetching your data...

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Types of Virgin credit cards

The Virgin Money credit cards you can choose from include reward options, low rate and no annual fee credit cards, as well as platinum accounts that come with more complimentary extras. You can compare all the Virgin Money credit card options below to find one that suits your needs.

Balance transfer credit cards

If you have existing debt you want to pay off, a Virgin Money balance transfer credit card could help you save on interest charges by offering a competitive introductory interest rate, such as 0% for up to 20 months. After that, a standard interest rate will apply to any balance remaining from the transfer. With Virgin Money, you can balance transfer up to 80% of your available credit limit from eligible non-Virgin credit cards or store cards, as well as personal loans and lines of credit.

Frequent flyer credit cards

The Virgin Australia Velocity Flyer and High Flyer credit cards earn Velocity Points for every $1 you spend on eligible purchases. These points are automatically credited to your Velocity account, where you can redeem them for flights with Virgin Australia and its airline partners, accommodation, gift cards and merchandise from the Velocity Rewards Store.

Depending on the card, you could also enjoy thousands of bonus Velocity Points when you sign up and meet the spending requirements. Compare the latest Virgin credit card introductory offers on this page to find out what's available to you now.

Premium frequent flyer credit cards

The Virgin Australia Velocity High Flyer is a top-tier rewards card that offers a higher earn rate than other Virgin Money frequent flyer cards, a 60,000 bonus points offer and complimentary travel insurance.

This card also gives you two complimentary single-entry Virgin Australia domestic lounge passes and a $129 Virgin Australia gift voucher each year, which you can redeem by making a retail purchase at least 2 months before you request it. As this card has a standard annual fee of $289, make sure you consider whether the benefits will outweigh the cost of it.

No annual fee credit cards

With a $0 annual fee for life, the Virgin No Annual Fee credit card gives you a way to save on credit card costs. This card has a variable purchase rate of 18.99% p.a. and offers up to 55 days interest-free on purchases if you pay your balance in full by the due date on each statement. Please note that you are not eligible for interest-free days while you are carrying debt from a balance transfer.

Low rate credit cards

Virgin's Low Rate credit card is designed to help you save on interest charges, offering a low variable purchase rate of 11.99% p.a.. It also has an annual fee of $99 and contactless payment options through Visa payWave.

The benefits of banking with Virgin Money

These are some of the most popular features you can enjoy with a Virgin Money credit card.

Velocity Frequent Flyer Points

If you get a Virgin Money frequent flyer credit card, you'll earn Velocity Points for every $1 spent on eligible purchases. You can then redeem your points for flights with Virgin Australia and its airline partners, accommodation packages and products from the Velocity Rewards Store. Some Virgin Money credit cards come with introductory bonus points offers to help boost your balance. Plus, you can earn extra points by using your frequent flyer credit card with Velocity partners.

Virgin Australia flight voucher - Velocity Flyer and High Flyer cards

Both the Virgin Australia Velocity Flyer and High Flyer credit cards offer you a $129 Virgin Australia gift voucher every year you have the card. All you have to do is make a retail purchase with your card 2 months before requesting your voucher through the Virgin Money website. You'll then be issued with a $129 Virgin Australia gift voucher in the form of a Virgin Australia Travel Bank credit.

Your complimentary $129 voucher can be used towards booking Virgin Australia flights on all fare types including sale fares. It can also be used on selected Virgin Australia Holidays' packages and must be used within 12 months of its issue date. Even though you only have a year use the voucher, your travel dates can be any time – including after the expiry – as long as you book before that date.

0% balance transfer offers

If you have a debt that's collecting high interest, Virgin Money offers a number of credit cards with 0% balance transfer promotions for up to 20 months. This means you can transfer a balance from a non-Virgin Money credit card, store card, personal loan or line of credit and pay down your debt without interest for the duration of the balance transfer period. Once the promotion ends, though, the standard cash advance interest rate will apply, so it's wise to pay your entire debt before this happens.

Visa credit card perks

All Virgin Money credit cards belong to the Visa payment network, meaning you can enjoy global acceptance and a variety of exclusive Visa perks. You'll be able to use Visa payWave for contactless tap-and-go payments of up to $100 and get peace of mind with Visa's Zero Liability Policy if your card is ever lost, stolen or used for a fraudulent transaction. You'll also receive access to presale concert tickets, entertainment offers and discounts courtesy of Visa Entertainment.

How to apply for a Virgin Money credit card

If you've compared your options and decided you want a Virgin Money credit card, you can complete a secure online credit card application within 10 minutes and should receive a response in a matter of minutes. Alternatively, you can apply over the phone by calling Virgin Money on 13 37 39. Before you apply, make sure you meet the eligibility requirements and have your relevant information ready for the application.

Eligibility requirements

Age. You must be at least 18 years old to apply for a Virgin credit card in Australia.
Residential status. You'll need to be an Australian citizen or permanent Australian resident.
Minimum income. Depending on the card, you'll need to meet a specific income requirement to qualify for the card.
Credit rating. You'll need a good credit history to receive approval.

Required details and documents

Here are the key details you'll be asked to provide when you apply for a Virgin credit card:

Personal information. You’ll need to provide basic personal information like your address and date of birth. You’ll also need to verify your identity using an accepted form of identification such as your drivers licence number.
Financial information. You will need to submit information about your income, your living expenses, details of any assets and liabilities and information about any accounts you wish to include in a balance transfer.

If you're considering a Virgin Money credit card, make sure you check out the latest details and offers to see if you can take advantage of 0% interest rate offers or bonus point promotions that could boost your Velocity balance. Also remember to weigh the value of the rewards against card costs such as the rates and fees to decide if one of these cards is right for you.

Frequently asked questions

If you want to know more about Virgin Money credit cards, here are answers to some of the most frequently asked questions. If you have a question that hasn’t been answered, get in touch with us using the form below.

If you have a Virgin Australia Velocity Flyer or Velocity High Flyer credit card, follow these steps to get the $129 gift voucher:
1. Wait 30 days from your card approval date. If it's after the first year, you'll need to wait 30 days from the anniversary of when your card was approved.
2. Make a retail purchase 2 months before requesting the voucher. You can make any retail purchase, as long as it's within the 2 months before you request your gift voucher.
3. Request the $129 Virgin Australia gift voucher. The Virgin Money website has a dedicated request page for the $129 gift voucher. Follow the prompts and wait for details of the Virgin Australia Travel Bank account.
4. Make a booking within 12 months. Once the $129 Virgin Australia gift voucher has landed in your Travel Bank account, you can book flights through the Virgin Australia website or by calling 13 67 89. If you want to use the gift voucher for a holiday package, call Virgin Australia Holidays on 13 15 16. Before you pay, make sure you log in to your Travel Bank account or tell the person on the phone that you want to use the gift voucher.
Remember, you can only use the $129 Virgin Australia gift voucher once per year and need to book within 12 months of when your Virgin Australia Travel Bank account is updated. If you don't use your voucher, the value won't rollover to future years, so it's worth keeping it in mind whenever you're planning a trip.
You should receive a response from Virgin Money within minutes of submitting your online application. You will be contacted through the email address you provided during the application, so make sure you check your junk mail folder. Alternatively, you can contact Virgin Money on 13 37 39 and quote your 13 digit application reference number to confirm the status of your application.
Your credit limit refers to how much money you'll have access to on your Virgin credit card. During your application, you can nominate a specific credit limit or let Virgin Money assign a credit limit for you. Note that the credit limit you're approved for will depend on factors such as your income and credit history, so you may not always get the limit you request. You can also apply for a credit limit increase if you've demonstrated the ability to repay further into your card ownership.
You can request an additional cardholder when you apply for your Virgin credit card. You'll need to provide the person's name, date of birth and other personal details as part of the application.
If you’re an existing Virgin credit card account holder, you can request to add a supplementary card on your account by submitting an additional cardholder request form, which is available from the Virgin website. It may take up to 10 business days to process and issue an additional cardholder request.Please note that if the additional card incurs an annual fee, it will be charged to the primary cardholder's account when the supplementary card is issued. If you're the primary cardholder, you'll also be responsible for all charges on the account.
You have the following options to make repayments on a Virgin Money credit card.
- Direct debit. Jump on the Virgin website to complete and submit a Virgin Money Direct Debit Auto Pay Application Form. This method of payment allows you to automatically pay your entire account balance, just the minimum repayment or a specific amount when your statement comes. The money is taken from a savings or transaction account linked to your Virgin credit card account.
- BPAY. You can pay your Virgin credit card from another lender’s internet banking facility using BPAY. The Virgin Money BPAY biller code is 49551 and your customer reference number is your 16 digit credit card number.
- Cheque. Virgin credit card statements are issued with a payment slip. Complete this form and mail it with a cheque to Virgin Money at GPO Box 4299, Sydney, NSW, 2001. Make the cheque payable to your Virgin Money credit card account number and be sure to include the type of credit card you hold. Make sure you write your account number on the back of the cheque.
- In person at Australia Post. You can pay your Virgin Money credit card at Australia Post using cash or EFTPOS.
Each Virgin Money credit card comes with Fraudshield. This is an automatic system that will raise a red flag if any suspicious activity is detected on your account. Visa’s Zero Liability policy also protects you against fraudulent use (online and offline) if your account is compromised. All you have to do is call the customer assistance line, which is open all day every day, and they will instantly put a block on your card.
Virgin Money also offers two-factor authentication for Internet banking transactions. This means when you want to make a transaction, view detailed account information or update your details, you will be sent a one-time PIN via text message that you need to enter before you can go ahead with your chosen account activity.
When you get your new credit card, you'll be able to sign up for a Virgin Money online banking account using these steps:
1. Go to virginmoney.com.au and look for the "Login" icon in the top right-hand corner of the screen.
2. Hover your mouse/cursor over the "Login" icon. A menu will appear showing all the different options.
3. Click on "Credit Cards" in this menu. You'll then be taken to the Virgin Money credit cards login page.
4. Hit the "Register" button above where you would enter your login details (if you had them).
5. Follow the prompts to complete your online account registration.
Once you have registered, you can also login to your Virgin credit card account by following steps 1-3 and then entering the login details provided when you registered.
For each statement you get, you're required to pay a minimum repayment of at least 2% of the closing balance or $30, whichever is greater. You must pay this amount by the due date listed on your credit card statement or you'll incur a late payment fee. However, if you want to avoid collecting interest, you should pay your balance in full before this due date.

Thank you for your feedback!

Amy Bradney-George

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Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

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The Virgin Australia Velocity High Flyer has a bonus Velocity Points offer, lounge passes and a yearly flight benefit. So is it worth the $289 annual fee?
Virgin Australia Velocity High Flyer Card Complimentary Insurance Guide
The Virgin Money High Flyer credit card offers complimentary travel insurance. Here's what is included, what isn't and how to make a claim.
Virgin Australia Velocity Flyer Card – Balance Transfer Offer
This Virgin Australia Velocity Flyer offer gives you 0% interest on a balance transfer for 28 months and a $0 annual fee for the first year.
Virgin Money Low Rate Card
As well as a competitive variable purchase rate, the Virgin Money Low rate card has a balance transfer offer that can help you save on existing debts.
Virgin Money Low Rate Visa Credit Card
Virgin No Annual Fee Credit Card
Take advantage of no annual fee and up to 55 interest-free days on purchases with the Virgin No Annual Fee Credit Card.
Virgin Australia Velocity Flyer Card – 0% Purchase Rate Offer
Earn Velocity Points as you spend and save with 0% interest on purchases and balance transfers for 14 months with the Virgin Australia Velocity Flyer Card.

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53 Responses

LydiaMarch 13, 2017

I am wanting to change credit cards. I am looking for a card with 0% interest for at least 12 months, the lowest transfer or no transfer fee if possible, a rewards card that allows me to collect qantas points and possibly that allows me to consolidate a personal loan with the credit card debt. Is there a card that will suit all or most of these needs?

finder Customer Care

DeeMarch 14, 2017Staff

Hi Lydia,

Thanks for your question.

We have a guide that lets you explore credit cards for personal loan consolidation. Several options meet your no balance transfer fee and 0% balance transfer criteria. However, only the Citi Qantas Signature Credit Card allows you to earn Qantas points.

Cheers,
Anndy

ChrisFebruary 26, 2017

Can I balance transfer from ANZ to Virgin?

finder Customer Care

DeeFebruary 26, 2017Staff

Hi Chris,

Thanks for your question.

Yes, you may transfer a balance from ANZ to a Virgin Money credit card, subject to certain eligibility criteria.

You may also visit our guide that discusses which bank you can balance transfer to.

Cheers,
Anndy

NickOctober 26, 2016

I have your credit card but I cannot deposit money onto my Pokerstars account? Please explain why I can’t deposit to online gambling? Thanks.

finder Customer Care

JasonOctober 26, 2016Staff

Hi Nick.

Thank you for your inquiry.

Virgin Money credit cards prohibit gambling transactions. Please check our guide about gambling transactions and credit cards for more information on the credit cards that you can and cannot use for gambling transactions.

I hope this helps.

Cheers,
Jason

MiriamFebruary 18, 2016

What fees do I incur if I use my Virgin Credit Card (Visa) when travelling overseas – eg: India.

finder Customer Care

DebbieFebruary 19, 2016Staff

Hi Miriam,

Thanks for your inquiry.

There will be a 3.3% foreign conversion fee and $5 cash advance fee for Virgin credit cards if used abroad.

You can compare other credit cards with no foreign transaction fees. Please ensure to read through the relevant product disclosure statement and terms and conditions of your credit cards to ensure that you got everything covered on your transactions.

I hope this helps.

Cheers,
Debbie

KerryDecember 11, 2015

If I put the high flyer credit card in a business name what is the annual fee

finder Customer Care

SallyDecember 14, 2015Staff

Hello Kerry,

The Virgin Australia Velocity High Flyer credit card has a $144 p.a. annual fee for the first year and $289 p.a. annual fee thereafter.

I hope this has answered your question.

Cheers,

Sally

Virgin Credit Cards

Check out the features you can get with a Virgin Money credit card, including up to 60,000 bonus Velocity Points, 0% balance transfer offers, competitive rates and perks.

In this guide

Card Types

Cards from

0% p.a. for 28 months on balance transfers$0 first-year annual fee

Virgin Money Credit Card Offer

Compare Virgin Money Credit Cards

Compare up to 4 providers

Types of Virgin credit cards

Balance transfer credit cards

Frequent flyer credit cards

Premium frequent flyer credit cards

No annual fee credit cards

Low rate credit cards

The benefits of banking with Virgin Money

Velocity Frequent Flyer Points

Virgin Australia flight voucher - Velocity Flyer and High Flyer cards

0% balance transfer offers

Visa credit card perks

How to apply for a Virgin Money credit card

Eligibility requirements

Required details and documents

Frequently asked questions

How do I use the $129 Virgin Australia flight voucher

How do I apply for a balance transfer to a Virgin credit card?

What happens after I apply for a Virgin Money credit card?

How do I find out my credit limit?

How do I add an additional cardholder to the account?

How do I make a repayment on my Virgin Money credit card?

What do I do if my credit card is lost or stolen?

How secure is my Virgin Money credit card?

How do I register for online banking?

What’s my minimum monthly repayment?

When does my balance transfer offer start?

When will points be transferred to my Velocity account?

Amy Bradney-George

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Ask an Expert

53 Responses

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0% p.a. for 28 months on balance transfers
$0 first-year annual fee