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FAQs

FAQs for existing credit card holders.Tell me more

FAQs

Applying

Card features

Velocity Frequent Flyer

Additional protection

Q.
How easy is it to apply for a Virgin Credit Card and how long does it take?
A.
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.

Q.
What sort of info will I need to have with me?
A.
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 monthly expense and income details.
Q.
Can I speed up my application?
A.
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.
Q.
Can I check my application's progress?
A.
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.
 

Balance Transfers

Q.
Is there a Balance Transfer fee?
A.
No, there are no fees.
Q.
What are the benefits of doing a Balance Transfer?
A.
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 your balances sooner.
Q.
Can I arrange Balance Transfers when I apply?
A.
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.

It’s important to know that any special balance transfer offers are only available for 30 days after your card is approved. So it’s best to request a balance transfer when you complete your application or soon after your card has been approved.
Q.
What credit account balances can be included in a Balance Transfer?
A.
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.
Q.
Are there any minimum and maximum amounts that I can Balance Transfer?
A.
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.
Q.
How long will my Balance Transfer take?
A.
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. 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.
Q.
Do I have to close the accounts that I am transferring from?
A.
No, not unless you want to. If you do you'll need to contact the institution directly to arrange.
Q.
What happens if my Balance Transfer amounts I request are more than my Credit Limit?
A.
We'll only be able to transfer amounts up to your available credit limit on the day the Balance Transfer is completed.
 

Credit Limits

Q.
Is there a fee to apply for a Credit Limit Increase or decrease?
A.
No, there are no fees.
Q.
Are there any minimum and maximum Credit Limits
for each Virgin Credit Card?
A.
Yes there are:
  • The Virgin No Annual Fee Credit Card has a minimum Credit Limit available of $2,000 and maximum of $10,000.
  • All our other credit cards have a minimum Credit Limit of $6,000 and a maximum of $100,000 (the maximum you can request at application is $30,000).
Q.
How is my Credit Limit determined?
A.
Your Credit Limit is determined when we apply our credit assessment criteria to 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.
 

Annual Fee

Q.
When will my annual fee be charged?
A.

If you choose a Card that has an annual fee it will be charged when you activate your Card, and then on each anniversary of the date we approved your Card Account originally.

If you have any Additional Cardholders, any annual fee will be charged to your main Account 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.

Q.
Are there any other fees and charges that I should know about?
A.
Depending on how you use your Card there may be other charges applicable, please click here for the fees and charges that apply to your card.
 

Additional Card Holders

Q.
What are the Annual Fees for any Additional Cardholders?
A.
  • The Virgin No Annual Fee Credit Card has no Annual Fee for any Additional Cardholders - ever.
  • The Annual Fee for any additional Low Rate Credit Cardholders is $29.
  • The Annual Fee for any additional Virgin Flyer Credit Cardholders is $39.
  • The Annual Fee for any additional Virgin High Flyer Credit Cardholders is $89.

    The annual fee of any Additional Card will be charged to your main Account 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.
Q.
Where will the additional Cards be sent to?
A.
We'll send any additional cards to the primary account holder’s postal address for the attention of the Additional Cardholder.
Q.
How long will it take for any Additional Cardholders Cards to be sent to out?
A.
As with your original application if successful the Additional Cardholder should be out shopping in around 10 working days after approval.
 

General

Q.
Are Virgin Money Credit Cards widely accepted?
A.
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.
Q.
How will you calculate my minimum monthly repayment?
A.
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: $10 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.
Q.
How can I make repayments?
A.

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 cheques 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.

Q.
How are payments applied to Virgin Credit card accounts?
A.
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.
Q.
How does the interest-free period1 work?
A.
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.
Q.
Can I pay my bills with a Virgin Credit Card using BPAY®?
A.
Yes you can use BPAY® to pay your bills from your Virgin Credit Card. You'll need to set up your Virgin Money Online account and head to the 'Payments and Transfers' section.
Q.
Can I see Statements online?
A.
You can see your Statements at any time by logging into Virgin Money Online and heading to 'See my Statements' in ‘Account Services’.
 
 

Velocity Frequent Flyer program applies to our Flyer & High Flyer Cards only

Up to 4 complimentary flights every year8

Q.
What are the terms and conditions relating to the 'complimentary’ flight offer?
A.
For the full Terms and Conditions relating to the Virgin Australia ‘complimentary’ flight offer click here.
Q.
How do I book my ‘complimentary’ flight?
A.
The ‘complimentary’ flight offer is available for Virgin Australia flights sold in Saver, Flexi and Premium economy fare classes. Booking for the ‘complimentary’ flight must be made a minimum of 21 days in advance of travel.

To book your ‘complimentary’ flights, give our friends at Virgin Australia a call on 13 67 89 and have your Virgin Flyer Credit Card or Virgin High Flyer Credit Card and Velocity Frequent Flyer membership Number handy and quote promotion code 2FOR1CC1.

It’s important to know that the ‘complimentary’ flight offer cannot be used for bookings made via the internet and flight availability is strictly limited and we can’t guarantee you’ll get your preferred travel date or time.
Q.
Once I've booked my ‘complimentary’ flights can I change them?
A.
Flight changes and cancellations are subject to the standard Fare Rules that apply to the selected fares that have been booked, as located at virginaustralia.com.au. If you need further assistance, give Virgin Australia a call on 13 67 89.
Q.
If I don't use all my ‘complimentary’ flight segments in a year will they accumulate?
A.
Sorry, any unused ‘complimentary’ flight segments remaining at the end of the year will not be rolled over to the next year and will be forfeited.
Q.
Will I earn Velocity Points on my ‘complimentary’ flights?
A.
Yes, you'll be eligible to earn Velocity Points twice when purchasing your ‘complimentary’ fare. You'll earn Points by making your purchase with your Virgin Flyer Card or Virgin High Flyer Card at the rate stated with your card. As the ‘complimentary’ flight 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 from Virgin Australia for the value of the fare paid for your ticket. You will not earn Points for your travelling companion.
 

Velocity Points3

Q.
How are my Velocity Points earned and transferred in to my Velocity Frequent Flyer Account?
A.
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 Frequent Flyer Account within 3 business days after the close of the statement cycle. It's important to note that Points can only be transferred to your Velocity Frequent Flyer Account at the end of your statement cycle.
Q.
Do my Velocity Points expire?
A.
Your Velocity Points will be transferred to your Velocity Frequent Flyer Account after each statement cycle. Once your Points are in your Velocity Frequent Flyer 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 Frequent Flyer terms and conditions at virginaustralia.com/velocity.
Q.
Is Velocity Frequent Flyer membership required?
A.
Yes. In order for Virgin Money to transfer Velocity Points to your Velocity Frequent Flyer 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 virginaustralia.com/velocity where you can join for free online. If you choose not to join Velocity Frequent Flyer, you will be ineligible for any offers or benefits relating to Virgin Australia or the Velocity Frequent Flyer Program.
Q.
What can Velocity Points be redeemed for?
A.
You can redeem your Velocity Points for many things, here's just a couple:
  • Domestic and international flights with Virgin Australia, Virgin Samoa, Etihad Airways, Virgin Atlantic, Virgin America, Delta and more.
  • A range of great hotels, car rentals and products including gift cards and vouchers.
Head to virginaustralia.com/velocity to see the full range of what's on offer or give the Velocity Team a call on 13 18 75.
Q.
How do I redeem with my Velocity Points?
A.
To redeem your Velocity Points log in to your Velocity Frequent Flyer Account at virginaustralia.com/velocity and follow the instructions. If you need some assistance give the Velocity Frequent Flyer team a call on 13 18 75.
Q.
Can I access Virgin Australia's 'The Lounge' in Australia?
A.
Virgin Credit Cards do not automatically allow lounge access, however you can redeem your Points earned at virginaustralia.com/velocity for yearly lounge entry or a single-entry lounge pass.
Q.
Can I use my Velocity Points to pay my Credit Card annual fee?
A.
Sorry, Velocity Points can't be used to pay your Credit Card annual fee at this time.
Q.
Are my Velocity Points earned through my Virgin Credit Card capped?
A.
For the Virgin High Flyer Credit Card you’ll earn 1.25 Points for each $1 spent, uncapped.
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.
Q.
Why do I need to provide you with an email address?
A.
If you choose to join the Velocity Frequent Flyer 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 Frequent Flyer program. It's also important that you keep us up to date if you ever change any email address that we have for you.
 

Keeping your Card secure

Q.
How safe is my Card - do you offer complimentary Card security?
A.

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

If your Card is lost or stolen, in most cases we can cancel and replace your Card within 48 hours in almost any location, for free. If you're overseas, you can report the loss to any bank or financial institution with the VISA sign.

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.

Q.
Do you offer any additional cover for my Virgin Credit Cards?
A.

Yes we also offer CreditShield® Edge that assists you with 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 available by calling 13 37 39 anytime.

CreditShield® Edge policies commencing prior to 1 January 2012 are issued by MetLife Insurance Limited (MetLife) ABN 75 004 274 882, AFSL 238096. Policies commencing on or after 1 January 2012 are issued by MetLife Insurance Limited (MetLife) ABN 75 004 274 882, AFSL 238096 and ACE Insurance Limited (ACE) ABN 23 001 642 020, AFSL 239687. The distributor is Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098 (Citibank). CreditShield® 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.

Q.
What is CreditShield® Edge?
A.

CreditShield® Edge assists you with 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 available by calling 13 37 39 anytime.

CreditShield® Edge policies commencing prior to 1 January 2012 are issued by MetLife Insurance Limited (MetLife) ABN 75 004 274 882, AFSL 238096. Policies commencing on or after 1 January 2012 are issued by MetLife Insurance Limited (MetLife) ABN 75 004 274 882, AFSL 238096 and ACE Insurance Limited (ACE) ABN 23 001 642 020, AFSL 239687. The distributor is Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098 (Citibank). CreditShield® 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.

 

Interstate Flight Inconvenience Insurance – High Flyer Card

Q.
What is Interstate Flight Inconvenience Insurance?
A.

Interstate Flight Inconvenience is a benefit available to all Virgin High Flyer Credit Cardholders and is available on interstate travel where the travel tickets are entirely purchased on the cardholder's Virgin High Flyer Credit Card.

Simply pay for the interstate flights with your Virgin High Flyer Credit Card and you'll receive Flight Inconvenience Insurance for you, your spouse and any dependent children covering flight delays, missed connections, Loss of or damage to business items/personal items, rental vehicle excess and more.

This includes interstate flights purchased which are part of your 4 complimentary flights per year.

For full details please read the Terms and Conditions here.

 

International Travel Insurance - High Flyer Card

Q.
What is International Travel Insurance?
A.

International Travel Insurance is a benefit available to all Virgin High Flyer Credit Cardholders and is available on travel outside of Australia where the overseas travel tickets are purchased on the cardholder's Virgin High Flyer Credit Card.

Simply pay for your overseas flights with your Virgin High Flyer Credit Card and you'll receive international travel insurance for you, your spouse and any dependent children including medical expenses for illness or injury, lost or stolen luggage, legal liability and more.

For full details please read the Terms and Conditions here.

 

Transit Accident Insurance - Flyer and High Flyer Card

Q.
What is Transit Accident Insurance?
A.

Transit Accident Insurance is a benefit available to all Virgin Flyer Credit Cardholders and Virgin High 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 or Virgin High 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.

 

Guaranteed Pricing Scheme - Flyer & High Flyer Cards

Q.
What is the Guaranteed pricing scheme?
A.

Guaranteed pricing scheme is a benefit available to Virgin High Flyer cardholders and Virgin Flyer cardholders when personal goods are purchased by a cardholder anywhere in Australia (excluding internet sales), and the entire cost is charged to the cardholder’s Virgin High Flyer credit card account or Virgin Flyer credit card account.

This scheme guarantees the cardholder gets the best price if, within 21 days of the purchase, they advise us that they have, subsequent to their purchase, received a printed catalogue showing the same business item/personal good for a lower price from a store within 25 kilometres of the store from where the personal good was purchased, and the price difference is greater than A$75. Conditions apply.

For full details please read the Terms and Conditions here.

 

 

Purchase Cover Insurance - High Flyer Card

Q.
What is Purchase Cover Insurance?
A.

Purchase Cover Insurance provides you with three months of free insurance against loss, theft, or accidental damage over a wide range of new personal goods purchased anywhere in the world using your High Flyer Credit Card.

For full details please read the Terms and Conditions here.

 

Extended Warranty Insurance - High Flyer Card

Q.
What is Extended Warranty Insurance?
A.

With Extended Warranty Insurance you receive up to 12 months extended warranty (in addition to the manufacturer's expressed Australian warranty) on personal goods purchased with your Virgin High Flyer Credit Card.

For full details please read the Terms and Conditions here.

 

 

PrintImportant information

See our full terms and conditions here.
The things you need to know - Fees, charges, terms and conditions apply and are available upon request.

All interest rates shown are variable. This information is correct at 14 May 2012. You must be at least 18 years of age to apply for a credit card. You must also earn at least $25,000 p.a. for the No Annual Fee Credit Card or $35,000 p.a. for the Virgin Low Rate Credit Card, Virgin Flyer Credit Card and Virgin High Flyer Credit Card. Approval is subject to our credit criteria.

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 consult your issuer for additional details.

6. The balance transfer interest rate applies to balances transferred with this offer at point of application, for the period shown. Transferred balances are repaid first during this period. Annual fees attract interest at the retail purchases rate. 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 Flyer, Virgin High Flyer and 21.69% p.a. for the Virgin Low Rate Credit card. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. The interest rates for retail purchases are 12.99% for the Virgin Low Rate credit card, 18.99% p.a. for the Virgin No Annual Fee credit card and 20.99% p.a. for the Virgin Flyer and High Flyer credit card. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 14 May 2012. This offer is valid from 14 May and ends 30 June 2012.

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. The promotional period is 6 months for No Annual Fee, 9 months for Low Rate, 12 months for Virgin Flyer and 6 months for Virgin High Flyer Credit cards. Excludes annual fees and other charges. This rate, balance, interest and potential savings calculations in the table above are examples only. Your personal circumstances may differ. It does not include interest accrued on the Virgin credit card at the standard interest rate. The balance transfer interest rate applies to balances transferred with this offer at point of application, for the period shown. Transferred balances are repaid first during this period. 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 Flyer, Virgin High Flyer and 21.69% p.a. for the Virgin Low Rate Credit card. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rate. Current purchase interest rates are 12.99% p.a. on Low Rate, 18.99% p.a. on No Annual Fee and 20.99% p.a. on the Flyer and High Flyer credit cards. Interest rates are variable, subject to change and our credit criteria. This offer ends 30 June 2012.

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 for you and a friend for up to 4 segments a year in saver, flexi and premium fare classes (excludes sale fares).  The Virgin Australia Guest Contact Centre will advise if there is availability for the dates you wish to travel. Credit card payment fees apply to both Guests and are not discounted. Checked baggage charges apply to some fare types. New Virgin Australia Guest Contact Centre bookings made at least 21 days in advance only. Payment with Virgin Flyer Credit 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. Check out here for further Terms & Conditions.

9. Offer provides 50% discount off the normal price of Live2air. Full price will be charged to cardholders account and a credit of 50% of the charge amount will be applied to the account within 14 days. Live2air may not be available on all flights. Payment with Virgin Flyer or Virgin High Flyer or No Annual Fee Credit Card required. Discount will appear on your credit card statement. This offer may be withdrawn at any time. For full terms and conditions go to Virgin Australia.

11. International Travel Insurance, Extended Warranty Insurance, Interstate Flight Inconvenience Insurance and Purchase Cover Insurance are provided automatically to Virgin 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 High Flyer and Virgin 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.

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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 No. 238098 ("Citibank"). Citi is the credit provider and issuer of the Credit Cards.