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

All interest rates shown are variable. This information is correct at 2 April 2013. 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 No Annual Fee Credit Card, $35,000 p.a. for the Virgin Low Rate Credit 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. If you are a 457 Visa holder you must earn at least $50,000 p.a and apply via virginmoney.com.au/credit-card/visa-holder.

#7,500 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 June 2013 and make a Retail Purchase with the card within 3 months of card approval date. Additional 7,500 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 June 2013 and spend $5,000 on Retail Purchases on the card within 3 months of card approval date. Retail purchases are for valid goods and services purchases only. Charge backs, refunds or fraudulent transactions do not count towards Retail Purchase eligibility. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the credit card with the 15,000 points offer. There must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. This offer is valid until 30 June 2013 and is subject to change at the discretion of Virgin Money. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. This offer is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card Point promotions or offers. Offer is not available to existing Virgin 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 30 June 2013 and make a Retail Purchase with the card within 3 months of card approval date. Additional 10,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 June 2013 and spend $5,000 on Retail Purchases on the card within 3 months of card approval date. Retail purchases are for valid goods and services purchases only. Charge backs, refunds or fraudulent transactions do not count towards Retail Purchase eligibility. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the 20,000 Velocity Points offer. There must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. This offer is valid until 30 June 2013 and is subject to change at the discretion of Virgin Money. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. This offer is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Flyer Point promotions or offers. Offer is not available to existing Virgin 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 30 June 2013 and make a Retail Purchase with the card within 3 months of card approval date. Additional 10,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 June 2013 and spend $10,000 on Retail Purchases on the card within 3 months of card approval date. Retail purchases are for valid goods and services purchases only. Charge backs, refunds or fraudulent transactions do not count towards Retail Purchase eligibility. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would the 20,000 Velocity Points offer. There must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. This offer is valid until 30 June 2013 and is subject to change at the discretion of Virgin Money. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. This offer is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin High Flyer Point promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).

+All redemptions quoted are one-way economy Reward Seats, subject to availability and to the Velocity Membership Terms and Conditions and booked on the internet at virginaustralia.com/velocity. Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Quoted fares are correct as at 26 March 2013 and are subject to change. Seats are limited and may not be available at peak times or on all flights. Any taxes, Booking and Service fees and surcharge components are not eligible for Points earn with Velocity airline partners. Name changes are not permitted. Refunds and itinerary changes are permitted prior to travel, subject to a service fee, fare differences (if applicable) and fare restrictions as outlined here. Payment amount will comprise of taxes or taxes and a Booking and Service fee, depending on the value. A Booking and Service fee will apply when paying by credit card or debit card when the payment amount is $50 or more: $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 per person per booking for Virgin Australia international long haul flights and flights operated by partner airlines. A phone booking fee applies: $35 per person per booking for Virgin Australia domestic and international short haul flights and $60 per person per booking for Virgin Australia international long haul flights and flights operated by partner airlines. Baggage Allowances for Economy Reward Seat fares vary by membership level. Red members receive 1 piece up to 23kg. Complimentary baggage allowances apply for Silver, Gold and Platinum Velocity members. Additional baggage charges apply for Virgin Australia domestic and international short haul flights, please click here for a schedule of current fees. Fees are chargeable at the time of purchase. Fees will be incurred for excess baggage. Saver, Flexi, Premium and Business Class Fares include a checked baggage allowance. Conditions and travel restrictions apply for all fares. Fares quoted to international destinations not operated by Virgin Australia will be flown by one of Velocity's partner airlines. More information on which of our partners can fly you to your chosen destination can be found by viewing our Interactive Route Map.

1. 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.

2. Cash withdrawal limits, fees and charges may apply.

3. 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 virginaustralia.com/velocity, as amended from time to time.

4. Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments.

5. 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.

6. 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 No Annual Fee, Virgin Australia Velocity Flyer, Virgin Australia Velocity High Flyer Card and 21.69% p.a. for the Virgin Low Rate credit card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 2 April 2013. This offer is valid from 2 April to 30 June 2013.

7. 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 default savings amount is based on a $6000 balance transfer at an interest rate of 21% p.a. when compared to the balance transfer offer shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin credit card at the standard interest rate.

8. The offer is valid for two Guests only and both Guests must be booked and travelling together, and the Primary Cardholder must be one of the guests travelling. Offer provides 50% off Domestic Virgin Australia flights (which includes taxes payable for both guests) for you and a friend for up to 4 sectors a year in Saver Lite, Saver, Flexi and Business fare classes (excludes sale fares). The Virgin Australia Guest Contact Centre will advise if there is availability for the dates you wish to travel. Booking and service fees (excluding Guest Contact Centre fees) apply to both Guests and are not discounted. Booking and service fees can be found at virginaustralia.com. Checked baggage charges apply to some fare types, and baggage allowance varies by fare type. See virginaustralia.com for full details on baggage charges and allowances. New Virgin Australia Guest Contact Centre bookings made at least 21 days in advance only. Payment with Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card and/or Virgin Australia vouchers required. Seats must be booked in the same fare class and are subject to availability which may be limited at peak times such as weekends, Christmas or School Holidays. Check out here for further Terms & Conditions.

11. 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.

12. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.

13. 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.

14. Withdrawal limits, fees and charges may apply.

15. New Virgin Australia Velocity Flyer and Virgin Australia Velocity High Flyer Cards issued post 2 October 2012 only.

16. Eligible Transaction means any Retail Purchase which is 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, interest charges, government charges, insurance charges, payments to loan accounts, 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. 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 virginaustralia.com/velocity, as amended from time to time.

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