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Virgin Money Credit Cards

Do more of the things you love with a Virgin Money credit card. From everyday spending to restaurants, to visiting places you’ve only dreamed of and everything in between, our cards can help you enjoy the life you want, not a life left wanting.

4 great cards to choose from

Our range of credit cards includes the Virgin Australia Velocity Cards, a No Annual Fee Card and a Low Rate Card. Which one is right for you?

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Maximise your rewards & benefits

Learn how to make the most of your Velocity, Visa and Virgin rewards & benefits. Read more

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Using your card is easy

Everything you need to be able to set up, use and manage your account.
Read more

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4 great credit cards to choose from Compare our range of credit cards

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Velocity Rewards

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No Annual Fee

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Low Rate

 
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Maximise your rewards & benefits

Learn how to make the most of your Velocity, Visa and Virgin rewards & benefits. Read more

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Using your Credit Card is easy

Everything you need to be able to set up, use and manage your account. Read more

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Important stuff

Fees, charges, and credit criteria apply. See our full terms and conditions here.

All interest rates shown are variable. This information is correct at 3 February 2016. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria.

All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money.

Please note that to read our PDF forms you will need to have Adobe Reader installed on your computer.

Virgin Money (Australia) Pty Limited ABN 75 103 478 897 distributes the Virgin Money Credit Cards ("Credit Cards") under an arrangement with Citigroup Pty Ltd ABN 88 004 325 080 AFSL No. 238098, Australian credit licence 238098 ("Citibank"). Citibank is the credit provider and issuer of the Credit Cards.

  • Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of new card application, for the period shown. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card, Virgin Money No Annual Fee Card and 21.69% p.a. for the Virgin Money Low Rate Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 3 February 2016. This offer is valid from 3 February 2016 to 29 February 2016. For the Virgin Money No Annual Fee Card balance transfer offer a 2% balance transfer fee applies, is charged once only and is added to your balance transfer amount at the time we process your request.
  • 0% p.a. on Purchases for new Virgin Australia Velocity Flyer Credit Card customers only for the period shown above from the date your account is approved. At the end of the promotional period Purchase amounts revert to the variable retail rate 20.74% p.a. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 3 February 2016. This offer is valid from 3 February 2016 to 29 February 2016.
  • The above example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. The promotional period is the period of the balance transfer offer shown. The rate, balance, interest and potential savings calculations in the table above are examples only. The estimate savings amount is based on a $7,000 balance transfer at an interest rate of 20% p.a. when compared to the balance transfer offer shown. For the Virgin Money No Annual Fee Card and Virgin Australia Velocity Flyer Card 0% p.a. for 18 months offer, the 2% balance transfer fee has been applied to the savings amount shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate.
  • $100 cashback offer for new approved customers only who apply by 29 February 2016 and spend a minimum of $2,000 on Eligible Transactions on the card within 3 months of card approval date. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. The cashback will be credited to the eligible customers account within 8 to 10 weeks after the qualifying purchases are made. You must be the primary account holder, the offer can only be used once per person and is not available to pre-existing customers. This offer is subject to change without notice at the discretion of Virgin Money, is non-transferrable and can't be used in conjunction with other promotions or offers.
  • The Exclusive Reduced Flights Benefit is ending 31 March 2016. Offer valid for Primary Cardholder and one Guest booked and travelling together in the same fare class. The offer provides 50% off the base fare component of a domestic Virgin Australia Saver Fare (which excludes taxes and Booking and Service Fees) for the Primary Cardholder and one Guest when flying together. Limit of 4 sectors a year. Excludes sale fares. Taxes and fees to be covered by Primary Cardholder. Guest Contact Centre fees do not apply. See virginaustralia.com/fees for full details on fees. Offer valid on new bookings made via the Guest Contact Centre at least 30 days before travel and paid with an eligible Virgin Australia Velocity Credit Card and/or Virgin Australia vouchers. Promo code TWO41 must be quoted at time of booking. Seats are subject to availability which may be limited at peak times such as weekends, Christmas or School Holidays. Flight availability and fare prices advertised on the Virgin Australia website are not indicative of real-time availability or costs. Contact the Virgin Australia Guest Contact Centre for costs and availability for your travel dates. Click here for further Terms and Conditions.
  • International Travel Insurance, Extended Warranty Insurance, Interstate Flight Inconvenience Insurance and Purchase Cover Insurance are provided automatically to Virgin Australia Velocity High Flyer cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to terms and conditions and exclusions. An excess applies to Purchase Cover Insurance. Transit Accident Insurance and Guaranteed Pricing Scheme are provided automatically to Virgin Australia Velocity High Flyer and Virgin Australia Velocity Flyer cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to terms and conditions and exclusions. Please see here for details.
  • Additional Velocity Points will be awarded in respect of Eligible Transactions made with Virgin Australia Airlines and does not extend to partners or affiliate airlines of Virgin Australia. The number of Velocity Points awarded is calculated by reference to the Australian dollar amount of the Eligible Transaction. Velocity Points accrue at the following rate for each whole Australian Dollar: For Virgin Australia Velocity Flyer cardholders, 1 point per $1 spent with Virgin Australia. For Virgin Australia Velocity High Flyer cardholders, 3 points per $1 spent with Virgin Australia.
  • If you do not pay your account in full by the due date and you carry a balance on your credit card from month to month the 44 days interest free period does not apply. If you then make a purchase you are charged interest. You will then need to pay your balance off in full for 2 consecutive months for the maximum 44 days interest free period to take effect. No interest free period is available on Cash Advances or Balance Transfers.
  • Cash withdrawal limits, fees and charges may apply.
  • To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions.
  • Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments.
  • Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please ask us for additional details.
  • Fare and earn rate restrictions apply for Velocity Airline Partners. Not all fare types are eligible to earn Velocity Points. Click here for more information.
  • Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.
  • A valid Visa Platinum card must be used to make a purchase. Offers are subject to terms and conditions of the participating merchants providing the offers. Participating merchants are solely responsible for offer redemption and fulfilment, Visa does not provide any of the goods and services relating to the offers, nor make any representations or warranties in respect of the offers or such goods and services. Visa may modify or remove any of the merchants and/or their offers at any time without prior notice. Information about the offers is correct at the time of publication. You may wish to check with the participating merchant immediately before utilising an offer.
  • Withdrawal limits, fees and charges may apply.
  • Upon launch of the benefit from mid-2016, the benefit will be made available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase on your card each year, your account is active and in good order and you are a Velocity Frequent Flyer Member. Full terms and conditions for the benefit will be available by mid-2016.
  • 10,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity Flyer Card account holders who apply by 29 February 2016 under the 0% p.a. for 14 months on Balance Transfers offer. You will earn 10,000 bonus Velocity Points under this offer if you spend $5,000 or more on Eligible Transactions within 3 months of card approval date. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the Flyer Card 10,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer is subject to change at the discretion of Virgin Money. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • 60,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 29 February 2016. 10,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 6 months from card approval. Credit Card application must be submitted through this page. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. Offer not available in conjunction with any other offer on the VAVHFC or VAVFC.
  • 20,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 29 February 2016 and make an Eligible Transaction within 3 months of card approval date. You will earn an additional 10,000 bonus Velocity Points under this offer if you also spend $10,000 on Eligible Transactions within 3 months of card approval date. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the High Flyer Card 20,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • 10,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity Flyer Card account holders who apply by 29 February 2016 and make an Eligible Transaction with the card within 3 months of card approval. You will earn an additional 10,000 bonus Velocity Points under this offer if you also spend $5,000 on Eligible Transactions within 3 months of card approval. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the Flyer Card 20,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points, there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer can’t be used in conjunction with other Virgin Flyer Card promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • 10,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 29 February 2016 and make an Eligible Transaction with the card within 3 months of card approval. You will earn an additional 30,000 bonus Velocity Points under this offer if you also spend $10,000 on Eligible Transactions within 3 months of card approval date. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the High Flyer Card 40,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • New approved Virgin Australia Velocity Flyer customers who apply by 29 February 2016 will receive 5,000 bonus Velocity Points per month for the first 5 months after card approval, when a minimum of $500 is spent on Eligible Transactions in each of those months. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points, there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).
  • Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of new card application, for the period shown. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 3 February 2016. This offer is valid from 3 February 2016 to 29 February 2016. For the Virgin Australia Velocity Flyer Card 0% p.a. for 18 months balance transfer offer a 2% balance transfer fee applies, is charged once only and is added to your balance transfer amount at the time we process your request.
  • Redemption bookings are based on an Economy Reward Seat, are subject to availability and to the Velocity Membership Terms and Conditions and must be booked at velocityfrequentflyer.com. Quoted redemption booking details are correct as at 9 November 2015 and are subject to change. Seats are limited and may not be available at peak times or on all flights. Name changes are not permitted. Bookings can be changed/cancelled prior to travel by paying the fee and any applicable fare difference in accordance with the fare rules, as published on the Virgin Australia website on the day you request your change. For current change and cancel fees, see Virgin Australia’s domestic Fees page, international short haul Fees page and international long haul Fees page. For a redemption booking, the payment amount will comprise of taxes or, where the total cash component of a booking exceeds $50 and this amount is paid for by credit card or debit card, the payment amount will comprise of taxes and a Booking and Service fee. Add our Booking and Services fee when paying by credit card or debit card ($7.70 per person per booking for Virgin Australia domestic flights, $10 per person per booking for Virgin Australia international short-haul flights and $30 person per booking for Virgin Australia international long-haul flights and flights operated by partner airlines). Add our Guest Contact Centre fee for bookings by phone ($35 per person for domestic redemption bookings and $60 per person for international redemption bookings). Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or Booking and Service fee components are not eligible for Points earn. A minimum checked baggage allowance of 1 piece up to 23kg applies for Economy Reward Seats and allowances increase for Silver, Gold and Platinum members. View baggage allowances for Reward Seat Redemptions. Additional fees will be charged for baggage in excess of the published allowances. For current fees for excess baggage, see Virgin Australia’s domestic Baggage Details, international short haul Baggage Details and international long haul Baggage Details. Fees are chargeable at the time of purchase and are more expensive if not purchased prior to arriving at the airport. Conditions and travel restrictions apply for all fares. Fares to international destinations not operated by Virgin Australia will be flown by one of Velocity’s international partner airlines, check the partner airline’s website for baggage fees, limits and policies for your flight. Baggage allowances for flights operated by partner airlines will vary in accordance with the individual policy of that carrier. Please check the operating carrier’s website for full details. More information on which of our partners can fly you to your chosen destination can be found by viewing our Interactive Route Map, available on the Velocity website.
  • $50 Virgin Mobile credit offer available if you apply by 29 February 2016 and make an Eligible Transaction within 3 months of card approval. Eligible Transactions means retail purchases made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, charge backs, refunds, fraudulent transactions, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Offer is only available to existing Virgin Mobile Postpaid Mobile and Postpaid Mobile Broadband customers (excludes Prepaid Mobile and Prepaid Mobile Broadband customers). Account details (including account name and mobile number) must be the same as your Virgin Mobile details when applying for this offer. You must be a primary account holder with Virgin Mobile. $50 credit will be applied to eligible customer’s accounts within the next 3 bills after the qualifying purchases are made. This offer is subject to change at the discretion of Virgin Money, is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).
  • Minimum Credit Limit of $6,000 on No Annual Fee Card if you choose to take up this balance transfer offer. Otherwise, the standard No Annual Fee Card has a minimum Credit Limit of $2,000.
  • Upon launch from mid-2016 the benefit will be made available to Primary Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. Full terms and conditions for the benefit will be available by mid-2016.