Applying for a Virgin Credit Card is easy. All you have to do is choose the one you'd like, and then click on 'Apply Now'. It should take less than 10 minutes to complete if you have all your info on hand, and we'll get back to you with a response 60 seconds after you submit your application.

You can also give us a call on 13 37 39 and we'll take your application for you over the phone and once approved we'll have your Card out to you within 10 working days.

We'll need to know your age, Australian residency status, your driver’s licence if you have one and your current financial details including employment and income details.

Yes, you can help us process your application as soon as possible by making sure you give us a contact number so that we can easily reach you. You can also let your payroll department (or accountant if you're self-employed) know in advance to make sure they’re good to confirm your income details when we call them.

Yes, you can easily check the status of your application online 24/7 using your 13 digit reference number, which we’ll email to you soon after you’ve submitted your application or give us a call on 13 37 39 and follow the prompts.

If successful you should be out shopping with your card 10 working days after approval. We'll email (if you've given us an email address) and write to you to let you know of your application status.

Yes, you must activate your card, it's easy, just give us a call on 13 37 39 and follow the prompts.

A Balance Transfer involves transferring any existing balances on any other credit accounts that you may have with other financial institutions to your new Virgin Credit Card.

Well, for starters, having your credit balances all in one place is a whole lot easier to manage so no more remembering all those different due dates on your other credit accounts. It also means that any savings you make in interest charges may help you pay off the debt sooner.

Yes and yes! You can apply to transfer a balance from another financial institution when applying for your new Virgin Credit Card. All you have to do is give us the key details of the other account, including the name the account's held in, the type of Card or account it is, the Card or Account number, the amount you want to transfer and the name and address of the organisation that issued the Card or account you’d like to transfer from. Balance Transfers can also take up to 10 working days to process. Click here to find out more.

If you didn't request a Balance Transfer when you applied for your Card, you can still apply by giving us a call on 13 37 39.

Any credit account balances with other financial institutions/stores, such as:

• Visa and MasterCard (all banks)
• Most store cards (e.g. David Jones and Myer)
• Personal Loans
• Lines of credit.

It's important to know that the credit account you want to transfer must be in the name of the Virgin Credit Card primary account holder.

The following credit accounts can't be included in a Balance Transfer:

• Account balances from financial institutions/stores issued outside Australia
• Accounts with balances greater than your available credit limit the day the Balance Transfer is completed
• Existing Virgin Credit Card account balances.

The minimum amount you can transfer over to your Virgin Credit Card is $500 and you can transfer up to your maximum available Credit Limit the day the Balance Transfer is completed.

Balance Transfer requests can take up to 10 working days. You should allow extra time for any cheques to be received by the other financial institution and you can check if your Balance Transfer request has completed by logging into your Virgin Money Online account. If it's taken longer than the normal timeframe, you might want to check that your other financial institution are not the cause of any delay before we have the Balance Transfer cheque stopped and reissued.

No, not unless you want to. If you do you'll need to contact the institution directly to arrange.

Yes, Balance Transfers are treated as an everyday transaction on your Account so your available credit will reduce.

We'll only be able to transfer amounts up to you available credit limit on the day the Balance Transfer is completed.

Sorry, Balance Transfers don't earn points.

Yes there are:

• The Virgin No Annual Fee Credit Card has a minimum Credit Limit available of $2,000 and maximum of $10,000.
• The Virgin Flyer Credit Card has a minimum Credit Limit of $5,000 and a maximum of $100,000. Your initial credit limit will be set at an amount up to $30,000, and over time this may increase up to $100,000, if you satisfy our credit criteria.

Your Credit Limit is determined by your individual financial situation. If your situation changes, it's important to give us a call on 13 37 39 and let us know so we can update your details.

After having your Virgin Credit Card for 9 months, you'll be able to request an increase in your Credit Limit.

An increase in your Credit Limit will be approved subject to Virgin Money's lending criteria. If you apply online, an approved Credit Limit increase is effective immediately. If requesting a Credit Limit increase over the phone or by post or fax, please allow 5 to 10 working days for us to assess your application.

It's important to remember that:

• A minimum of 9 months from your Account open date and 6 months from your last limit increase is required before an increase can be considered
• Currently, the maximum increase at any one time is 50% of your existing Credit Limit
• Under ACT legislation, any of our cardholder's who reside in ACT need to apply for an increase in writing
• Credit Limits cannot be increased by more than the product maximum.
• The Virgin No Annual Fee Credit Card has a Credit Limit of $10,000
• The Virgin Flyer Credit Card has a maximum Credit Limit of $100,000

To decrease your Credit Limit is easy, just give us a call and follow the prompts or write to us. It's important to remember that the Credit Limit can't be lower than the product minimum or lower than your current balance:

• The Virgin No Annual Fee Credit Card has a minimum Credit Limit of $2,000.
• The Virgin Flyer Credit Card has a minimum Credit Limit of $5,000.

Yes, once your Credit Limit Increase has been approved, you can use the available credit for a Balance Transfer.

No, there are no fees.

You can have up to four Additional Cardholders linked to your Virgin Credit Card. It’s a great way of making sure your family members are covered if and when they ever need it. All Additional Cardholders will have their very own Virgin Credit Card and any transactions made using these cards will be separately itemised on your Card Statement, making it easy to manage your finances. It's important to note that all Additional Cardholders must be over 16 years of age. It's easy to get an Additional Card - here's how:

• Log into Virgin Money Online and select ‘Add an Additional Cardholder’ in ‘Account Services’
• Or just give us a call on 13 37 39 and follow the prompts, we're here to help.

The Virgin No Annual Fee Credit Card has no Annual Fee for any Additional Cardholders - ever. The Annual Fee for any additional Virgin Flyer Credit Cardholder is $39.

If you have any Additional Cardholders, any annual fee will be charged to your main Account and appear on your next statement when the additional card is issued, pro rata up to your next anniversary date when your Account was approved and then payable with the annual fee.
To make it easier to understand, let's say the annual fee for your additional card is $40, the primary Account was issued in January and the additional Account was issued in July. The pro rata annual fee will be $20 as there is 6 months left until the primary Account is up for renewal again in Jan. From Jan onwards, the annual fee for the additional card will be $40 and will be charged along with your primary Account annual fee.

We'll send any additional cards to the primary account holder’s postal address for the attention of the Additional Cardholder.

As with your original application if successful the Additional Cardholder should be out shopping in around 10 working days after approval.

Applying for another Virgin Credit Card is just as easy and the same deal as when you applied for your first Card. Once you've had your first Card for over 6 months, all you have to do is choose the one you'd like, and then click on 'Apply Now'. As before it should take less than 10 minutes to complete and we'll get back to you with a response 60 seconds after you submit your application.

You can also give us a call on 13 37 39 and we'll take your application for you in around 10 minutes and have your Card out to you within 10 working days.

Remember you can help us move quickly by making sure you give us a contact number that we can easily reach you on, and also let your payroll department (or accountant if you're self-employed) know in advance to make sure they’re good to confirm your income details when we call for verification.

With Secure Sentinel, just one toll-free phone call from you from anywhere in the world will cancel all the registered Cards that you have in your wallet if it's lost or stolen. One of our friendly Customer Care Consultants will be happy to discuss this cover with you, just give them a call on 13 37 39.

To register for Virgin Money Online you'll need the following:

• Your 16-digit Internet Access Number (This needs to be activated by calling 13 37 39 and using your TPIN)
• Your 4-digit Internet Pin (IPIN)
• Your Account number (for Virgin Credit Card customers, this is just your card number)

  Once you've received these, it's easy to set up, just follow the steps shown in your Internet Access Number letter and you're good to go.

  If any of these details didn't arrive in the post up to 7 days after your card arrived, just give our Customer Care Team a call on 13 37 39 and we'll arrange new ones to be sent.

If you've forgotten or misplaced any of your PINs, give our Customer Care Team a call on 13 37 39 (+61 2 8288 2222 if calling from overseas), they're available 24/7 and just let them know what your after. They'll arrange for a new one to be posted out to you.

To register for Virgin Money Online you'll need to set up your User ID, Password and Security Questions. It's easy, just head to the Virgin Money Online Registration page at my.virginmoney.com.au and follow the instructions contained in your Internet Access Number letter.

Security Questions are designed to provide you with an extra level of security. They're a set of 12 questions ranging from 'what is your favourite colour?' to 'what school did you go to?' As part of the set up procedure you'll need to provide three answers to your choice of questions. Always pick questions that you can easily remember the answers to as you'll be asked to answer at least one question each time you sign on.

It's easy, you choose them from a list and select the questions you want to use and type in your unique answer. You then need to re-enter your answers. This is to ensure we've recorded them correctly.

Just give us a call on 13 37 39 and follow the prompts. You'll need your Virgin Credit Card or (Virgin Saver number if for this Account) and your Telephone Personal Identification Number (TPIN) with you. If you can't remember your TPIN, just give us a call and we'll reset this for you and send you a new one.

With Virgin Money Online you can manage your account 24/7:

• Check your Account information
• View your details, activity and statement
• Pay your bills via BPAY up to your Credit Card limit
• Update your contact details

Plus lot's more, it's the convenient way of managing your card account.

The easiest way to change any contact details is to log into Virgin Money Online with your User ID and Password, head to 'Manage my Profile and Settings' and select from the list of options what you'd like to update, or give us a call on 13 37 39 if you prefer.

Just give us a call on 13 37 39 and follow the prompts. You'll need your Virgin Credit Card or (Virgin Saver number if for this Account) and your Telephone Personal Identification Number (TPIN) with you. If you can't remember your TPIN, just give us a call and we'll reset this for you and send you a new one.

We like to make things easy for you and with Virgin Money you're able to securely access your Account online 24/7, from anywhere in the world , or if you prefer talking to someone, just can give us a call on 13 37 39. So no need for branches.

Virgin Credit Cards are recognised all over the world and are accepted at over 29 million locations.

Virgin Money have partnered with Citibank who are the world's largest issuer of bank credit cards and the Citibank Group is represented almost everywhere in the world, which means:

• You can always get information or help if you ever need it
• You can rest assured that your Virgin Credit Card will be recognised all over the world

You can also withdraw cash while you're overseas by heading to any ATM that displays the Visa, Plus, Star or NYCE symbols.

Yes you can and it's easy. You can withdraw cash from an ATM/EFTPOS machine using your Virgin Credit Card and your ATM PIN. You can withdraw up to your available cash limit however there is a maximum of $1000 cash per day, at any ATM that displays the VISA symbol. Australia Post - You can withdraw cash at an Australia Post Branch with your Virgin Credit Card and your ATM PIN. You can withdraw up to your available cash limit however there is a maximum of $1000 cash per day. It's important to remember that standard cash advance fees and charges may apply. You can make over the counter withdrawals at any bank in the world that displays the VISA symbol. You'll also need some photo ID. Standard cash advance fees may apply when withdrawing cash from your Virgin Credit Card Account. Please click here for our Flyer Cards rates and fees or our No Annual Fee rates and fees.

If you need to withdraw cash while you're overseas, head to any ATM that displays the Visa, Plus, Star or NYCE symbols. It's important to remember that the Standard cash advance and currency conversion fees will apply. Please click here for our Rewards Cards rates and fees or our No Annual Fee rates and fees. In case of an emergency, call us immediately on +61 2 8288 2222.

Important note: If you're travelling overseas and plan to use your Virgin Credit Card, it's important for you to know that many places overseas will ask you to enter in a PIN instead of signing for your purchase so we suggest you memorise your PIN before you go. If you don't have one, give us a call on 13 37 39 and we'll get one out to you.

If your Credit Card is lost or stolen please call us immediately on 13 37 39 and follow the prompts, we're available 24/7 (or from overseas on +6 12 8288 2222). A member of our Customer Care Team will immediately block your old card and re-issue you with a new card. Allow up to 5 working days for the new card to arrive in the post. In addition to blocking your card, we'll go through and check all the recent activity on your account. This lets us fully investigate any unrecognised transactions made with your credit card. Further information about liability for card transactions is contained in your account Terms and Conditions.

If your Credit Card is damaged, just give us a call on 13 37 39 and follow the prompts, (or from overseas on +61 2 8288 2222) we're available 24/7 and we'll organise for a new card to be posted out to you in the next 5 working days. In the mean time, you'll still be able to use your card Account number for online purchases while your new card is on it's way out to you. It's important to remember that when your new card arrives, you'll need to activate it and also make sure that your old card has been disposed of safely.

Your minimum Monthly Payment Due is (rounded up to the nearest dollar): the Card Balance if it's less than $30, or the greater of $30 or 2.00% of the Card Balance, or;
- if you've been charged a Late Payment Fee: $30 Late Payment Fee, the sum of 1.00% of the Card Balance and any interest charged for that month, plus any Monthly Instalment amount.
You'll see the date your payment is due on your Credit Card statement.

At Virgin Money we like to give you a choice of how you can make your repayments, which are either by Direct Debit Auto Pay, Cheque, via Bank@Post at an Australia Post office or via BPay from any other suitable bank account that you have.

Direct Debit Auto Pay

Take the hassle out of making your repayments by setting up a Direct Debit. With Direct Debit Auto Pay your repayments will be automatically deducted each month from the bank account of your choice so you'll never have to worry about them.

To set this up:

To set this up log in to Virgin Money Online, head to ‘My Accounts’ then ‘Manage my Account’ and ‘Manage my Payment Options’. Click on the link to download the  ‘Direct Debit Auto Pay application form’ and fax it back to us on 1300 634 315 or pop it in the post to:

Virgin Money
Reply Paid PO Box 40
Sydney NSW 2001

It's important to know that if you make any manual payments between due dates, then the Direct Debit will only draw the difference between the amount of the manual payments and the Direct Debit amount.

Via BPAY®

If you're registered for internet and/or phone banking with the financial institution that holds the account you want to pay from, you can use BPAY® to make your repayments. Just follow the prompts and enter our Biller Code 49551 followed by your 16-digit Virgin Money Card number as your Customer Reference number.

By posting us a Cheque

You can post us your payment by enclosing your completed Payment Slip provided with your monthly statement and mail with your cheque (no notes or coins please) to the following address:

Virgin Money,
GPO Box 20022
MELBOURNE VIC 3001

Please make your cheque's payable to your Virgin Money Account number and specify your account type eg. Virgin Flyer Credit Card - Account number. So we can process it as quickly as possible for you it would be good if you write the actual Account number on the back of your cheque. Cheques payable to the Account holder may also be accepted (e.g. dividend cheque, Medicare refund, etc) but cheques payable to a third party will not be accepted. Again, a friendly reminder to please write your account number on the back of all cheques.

At Australia Post

You can make your payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS and they'll be processed immediately. It's important to remember to take your Payment Slip and your Credit Card with you for a faster transaction. For payments made at any other Australia Post using cash or EFTPOS, please allow 48 hours for the payment to reach your Account. When paying by cheque at any Australia Post office, please allow 7 business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.

Here's how your payments may be applied to your Virgin Credit Card Account.

1. Any expenses incurred enforcing the Credit Card & Rewards Terms & Conditions
2. Interest Charges
3. Any Late Payment Fees
4. Balance Transfers and Special Promotions
5. Retail Purchases that have already appeared on the statement of Account
6. Cash Advances that have already appeared on the statement of Account
7. All other Fees and Charges
8. Balance Transfers that have not yet appeared on a statement of Account
9. Retail Purchases that have not yet appeared on a statement of Account and Cash Advances that have not yet appeared on a statement of Account.

Just so you know, this can vary depending on your individual circumstances.

You'll enjoy up to 44 days interest-free on all purchases, providing you repay the full balance on your Card each month. Interest-free periods don't apply to Cash Withdrawals, Balance Transfers or Bank Cheques. These transactions will incur interest from the date the transaction's made (regardless of whether the Account is repaid in full each month). You'll be charged interest on retail purchases if the statement's full closing balance is not repaid by the due date.

Yes you can use BPAY® to pay your bills from your Virgin Credit Card as long as your biller allows it. As a general rule, companies that add a surcharge for paying by Credit Card do not allow BPAY® payments by Credit Card. You should check with your Biller if you’re unsure.

Once you’ve verified that your Biller accepts Credit Card BPAY® payments, log in to Virgin Money Online, select 'My Credit Cards' and head to the 'My Payments and Transfers’ section, or give us a call on 13 37 39 and follow the prompts to request a BPAY® payment using our Telephone Self Service.

If you make a BPAY® on your Virgin Credit Card by 4pm AEST (Australian Eastern Standard Time) it should be received by the payee the next working day.

If you use BPAY® on your Virgin Credit Card it will show on your Account as a 'debit' within 2 working days. You can also contact the biller directly to confirm if they've received it.

You can see your Statements at any time by logging into Virgin Money Online and heading to 'See my Statements' in ‘Account Services’.

To print copies of your Card statement, log into Virgin Money Online and head to 'See my Statements' in 'Account Services' and you'll be able to download your statement in a printable PDF format. You can also give us a call on 13 37 39 to have a copy of your statement posted out to you within 5 to 7 working days. A fee of $7.00 per credit statement requested will apply.

Yes you can and it's easy. Head to 'Download my Account Activity' under 'Account Services' and you choose the Account and period you want to download.

You should always check your statement against your personal records as soon as possible to make sure that you recognise all of the transactions. If you don't recognise something, call us straight away on 13 37 39 (or 61 2 8288 2222 if you're overseas).

If you choose a Card that has an annual fee it will be charged to your account and appear on your next statement after you activate your card. The annual fee will then be charged on each anniversary of the date we approved your Card Account originally.

The Virgin No Annual Fee Credit Card has no Annual Fee for any Additional Cardholders - ever. The Annual Fee for any additional Virgin Flyer Credit Cardholder is $39.

If you have any Additional Cardholders, any annual fee will be charged to your main Account and appear on your next statement when the additional card is issued, pro rata up to your next anniversary date when your Account was approved and then payable with the annual fee. To make it easier to understand, let's say the annual fee for your additional card is $40, the primary Account was issued in January and the additional Account was issued in July. The pro rata annual fee will be $20 as there is 6 months left until the primary Account is up for renewal again in Jan. From Jan onwards, the annual fee for the additional card will be $40 and will be charged along with your primary Account annual fee.

Depending on how you use your Card there may be other charges applicable, please click here for our Rewards Cards fees and charges or our No Annual Fee fees and charges.

For the full Terms and Conditions relating to the Virgin Blue 'Buy one seat, get one free’ flight offer click here.

If you provided your Velocity Rewards number to us in your application, your Velocity Rewards account should be updated within 10 business days after your card is approved. Once your Velocity account has been updated you can call Virgin Blue to book your flights. Bookings for the 'Buy one seat, get one free’ flight must be made a minimum of 21 days in advance of travel. It’s important to know that if your Velocity Rewards membership is in a different name than your Credit Card account, your Velocity Rewards account will not be updated as the names of both need to be the same.

The 'Buy one seat, get one free’ offer is available for Virgin Blue flights sold in Blue Saver, Flexible, Corporate Plus  and Premium Economy  fare classes. To book your 'Buy one seat, get one free’ flights, give our friends at Virgin Blue a call on 13 67 89 and have your Virgin Flyer Credit Card and Velocity Rewards Membership Number handy and quote promotion code 2FOR1CC1. It’s important to know that the 'Buy one seat, get one free’ flight offer cannot be used for bookings made via the internet.

Flight changes and cancellations are subject to the standard Fare Rules that apply to the selected fares that have been booked, as located at virginblue.com.au.  If you need further assistance, give Virgin Blue a call on 13 67 89.

Sorry, any unused 'Buy one seat, get one free’ flight segments remaining at the end of the year will not be rolled over to the next year and will be forfeited.

Yes, you'll be eligible to earn Velocity Points twice when purchasing your 'Buy one seat, get one free’ fare. You'll earn Points by making your purchase with your Virgin Flyer Card at the rate stated with your card. You also earn at least 5 Velocity Points for every dollar spent by purchasing a Virgin Blue fare.   As the 'Buy one seat, get one free’ offer is a 50% discount on each fare (plus any standard credit card fees that may apply, which are not discounted) you'll earn Points for the value of the fare paid for your ticket. You will not earn Points for your travelling companion.

At the end of your statement cycle, the number of Points earned from retail purchases are calculated using the conversion rate that is applicable to your Virgin Credit Card. The Points earned will be automatically transferred into your Velocity Rewards Account within 15 days after the close of the statement cycle. It's important to note that Points can only be transferred to your Velocity Rewards Account at the end of your statement cycle.

Your Velocity Points will be transferred to your Velocity Rewards Account after each statement cycle. Once your Points are in your Velocity Rewards Account they will not expire as long as you’re an active Velocity Member, that is, a Member who earns or redeems Velocity Points within a three-year period. For full details, see the Velocity Rewards terms and conditions at velocityrewards.com.au.

Give our friends at Velocity Rewards a call on 13 18 75 between 8am and 8pm Monday to Friday (Sydney time) and they'll be happy to help you out.

Your Virgin Credit Card rewards balance displays Points earned on your Virgin Credit Card. Your Velocity Rewards Account balance contains not only Points earned with your Virgin Credit Card, but also Points earned on other Velocity activity including flights purchased with the Virgin Blue Group or any of Velocity's other Program Partners. Your Velocity Rewards Account balance will also change when you redeem your Points for flights or products. Remember it also takes up to 15 days for your Velocity Points to be transferred in to your Velocity Account after the close of the statement cycle.

Yes. In order for Virgin Money to transfer Velocity Points to your Velocity Rewards Account, you must provide us with your Velocity Membership Number either on your application form when applying for your Virgin Credit Card or by calling us on 13 37 39. If you're not currently a Velocity Member you can arrange this when you apply for your card or head to velocityrewards.com.au where you can join for free online. If you choose not to join Velocity Rewards, you will be ineligible for any offers or benefits relating to Virgin Blue or the Velocity Rewards Program.

Velocity Points may only be transferred to the primary cardholder's Velocity Rewards Account regardless of who purchased the retail transactions.

You can redeem your Velocity Points for many things, here's just a couple:

• Domestic and International flights with Virgin Blue, V Australia, Pacific Blue, Polynesian Blue and selected Global Airline Partners
• A range of great hotels, car rentals and tours.

Head to velocityrewards.com.au to see the full range of what's on offer or give the Velocity Team a call on 13 18 75.

To redeem your Velocity Points log in to your Velocity Rewards Account at velocityrewards.com.au and follow the instructions. If you need some assistance give the Velocity Rewards team a call on 13 18 75.

Sorry, Points earned can only be transferred to your Velocity Rewards Account. You can use your Velocity Points towards Virgin Atlantic travel see velocityrewards.com.au

Virgin Credit Cards do not automatically allow lounge access, however you can redeem your Points earned at velocityrewards.com.au for yearly lounge entry or a single-entry lounge pass.

Log in to Virgin Money Online and head to the rewards section.  Select 'Modify my details' and enter or change your Velocity Rewards Membership Number.

Sorry, Velocity Points can't be used to pay your Credit Card annual fee at this time.

To find out how many Velocity Points you have earned on your Credit Card you can:

• Log into your Virgin Money Online Account and head to the ‘Rewards’ section
• View your monthly credit card statement
• Call us on 13 37 39.

To view your full Velocity Points balance, log in to velocityrewards.com.au.

Sorry, Points earned cannot be transferred to another Virgin Credit Card Account. However, see velocityrewards.com.au for their rules on transferring Points between Velocity Accounts.

For the Virgin Flyer Credit Card you'll earn 1 Point for each $1 spent up to $1,500 per month, you'll then earn 1 Point for each $2 spent. No cap.

If you have any question relating to the Velocity Points earned with your Virgin Money Credit Card you can either log into Virgin Money Online and send us an email or call our Customer Care Team on 13 37 39. If you'd like to query your Velocity Rewards Account, head to velocityrewards.com.au and log in to ‘Your Account’ or give Velocity a call on 13 18 75.

Your Velocity Points balance in your Virgin Credit Card Account is updated every working day. To check your Velocity Points balance at any time, log into your account at virginmoney.com.au and head to the ‘Rewards’ section or give us a call on 13 37 39. You're points will be transferred to your Velocity Rewards account 15 days after your statement is issued.

If you choose to join the Velocity Rewards program with your credit card application, you'll need to provide us with a current e-mail address which is a condition of joining the Velocity Rewards program. It's also important that you keep us up to date if you ever change any email address that we have for you.

You're Protected

Yes. We’ll always do everything we can to keep your online transactions safe and secure. We’ve invested in 128 bit SSL technology and we’ve a range of security initiatives in place that are part of our ongoing commitment to making your online activity as safe as it can be.

When using Virgin Money Online any communications you send to or receive from our secure system is specially encrypted to make sure all of the data stays completely confidential.

As soon as you sign in to Virgin Money Online the page will tell you the last date and time you signed in. If you notice any unusual activity, give us a call immediately 13 37 39.

Added protection

We use a dynamic on-screen keyboard (it’s on the Login page), which protects your password when you enter it. You use your mouse to enter your password using the on-screen keyboard instead of typing the keys in the traditional way, which can be targeted using key logging software.

We also use a digital certificate so you can check the identity and authenticity of our websites. You’ll find it by clicking the Padlock Icon in the Status Bar at the bottom of the page.

And we’re looking out for you 24/7

Virgin Money Online is monitored by our dedicated team of security personnel around the clock. They consistently look for ways to make our site safer and maintain all of our internet services so they’re always available when you want to use them.

If you suspect your Account has been compromised in any way, call us immediately on 13 37 39, or 61 2 8288 2222 if you’re outside Australia. You’ll find more about online security at the websites of:

Australian High Tech Crime Centre

Australian Competition and Consumer Commission – Scamwatch Australian Securities & Investment Commission.

Very, and yes we do. Our Cards use Secure Chip technology which uses a microchip embedded in your Card to store your Card's data, keeping you safer against card fraud than your average magnetic stripe.

Our Security Guarantee ensures cover under a range of different circumstances, allowing you complete peace of mind at home and overseas, online and off.

FRAUDSHIELD®

If we detect any irregular transactions on your Account, we’ll call you immediately, even if you're overseas (if we have your contact details). All you need to do is call our Customer Care Team on 13 37 39, and let us know your contact details before you travel.

Emergency Card Replacement

You are also covered by Visa's Zero Liability Policy guarantee, ensuring you won't be held responsible for fraudulent transactions made with your Card.

Visa's Zero Liability Policy guarantee⁵

You are also covered by Visa's Zero Liability Policy guarantee, ensuring you won't be held responsible for fraudulent transactions made with your Card.

Yes we also offer the following:

CreditShield®Edge and Secure Sentinel

With CreditShield® Edge you can cover your Virgin Credit Card with CreditShield®Edge. CreditShield®Edge covers your monthly Credit Card payments for up to $50,000 in the case of illness, accident, unemployment or death. It costs 49 cents per $100 of your closing balance each month. CreditShield®Edge will pay the minimum monthly amount due on your statement if you are unable to work, due to an accident or illness or for up to 6 months in any 12 month period if you become unemployed.

If you're between 18 and 59, have a Virgin Credit Card Account and are an Australian citizen or permanent resident of Australia, you're eligible to apply for this protection with guaranteed acceptance and no medical examination or questions.

You can find out more in the Product Disclosure Statement or just give us a call anytime on 13 37 39, we're here to help.

CreditShield®Edge covers your monthly Credit Card payments for up to $50,000 in the case of illness, accident, unemployment or death. CreditShield®Edge is 49 cents per $100 of the closing balance shown on your Virgin Credit Card statement CreditShield®Edge will pay the minimum monthly amount due on your statement if you are unable to work, due to an accident or illness or for up to 6 months in any 12 month period if you become unemployed.

If you're between 18 and 59, have a Virgin Credit Card Account and are an Australian citizen or permanent resident of Australia, you're eligible to apply for this protection with guaranteed acceptance and no medical examination or questions.

You can find out more in the Product Disclosure Statement or just give us a call anytime on 13 37 39, we're here to help.

CreditShield Edge is issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL No. 238096. The distributor is Citibank [Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098 ("Citibank")]. Credit Shield Edge is not a product of, nor is it guaranteed or distributed by Virgin Money (Australia) Pty Limited ABN 75 103 478 897 ("Virgin") or Virgin Money Financial Services Pty Ltd ABN 51 113 285 395.

If you need to make a claim just give our Customer Care Team a call on 13 37 39 (or 61 2 8288 2222 if you’re outside Australia) and they’ll organise a claim form to be sent to you.

With Secure Sentinel, just one toll-free phone call from you from anywhere in the world will cancel all the registered Cards that you have in your wallet if it's lost or stolen. One of our friendly Customer Care Consultants will be happy to discuss this cover with you, just give them a call on 13 37 39.

The Virgin Flyer Credit Card includes Travel Accident Insurance. It’s important to know that it’s not a comprehensive travel insurance policy.

For full details please read the Terms and Conditions here.

Transit Accident Insurance is a benefit available to all Virgin Flyer Credit Cardholders and is only available when the purchase price of a trip has been validly charged to the cardholder’s Virgin Flyer Credit Card while the insurance is in force and before the trip has commenced.

This cover provides certain benefits in the event of accidental death and cover for Cardholders who sustain an injury whilst on a trip, while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy.

It’s important to know that it’s not a comprehensive travel insurance policy.

For full details please read the Terms and Conditions here.

Travel Accident Insurance is issued by Zurich Australian Insurance Limited. This cover is provided automatically to Virgin Flyer Credit Cardholders under an Agreement entered into between Citigroup Pty and Zurich Australian Insurance Limited.

It's important to know that it's not a comprehensive travel insurance policy. For full details please read the Terms and Conditions here.

 

In the event of an accident that is likely to result in a claim, the Virgin Flyer Credit Cardholder (or their legal representative in the case of accidental death) must contact Zurich Australian Insurance Limited directly on 1800 285 189. If calling from overseas, a reverse charge call to Australia can be made by calling +61 2 9995 2021. So that you know the Virgin Money Customer Care Team won't be able to help you if you call them.

It's important to know that it's not a comprehensive travel insurance policy. For full details please read the Terms and Conditions here.