Virgin Credit Cards
Make more of your money
Any questions?
We're here to help, so just give us a call.
13 37 39
Existing customers
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FAQs for existing credit card holders.
FAQs
Applying
Card features
Velocity Frequent Flyer
Additional protection
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.
Balance Transfers
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.
- Visa and MasterCard (all banks)
- Most store cards (e.g. David Jones and Myer)
- Personal Loans
- Lines of credit.
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.
Credit Limits
- 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).
Annual Fee
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.
Additional Card Holders
- 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.
General
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
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.
- Any expenses incurred enforcing the Credit Card & Rewards Terms & Conditions
- Interest Charges
- Any Late Payment Fees
- Balance Transfers and Special Promotions
- Retail Purchases that have already appeared on the statement of Account
- Cash Advances that have already appeared on the statement of Account
- All other Fees and Charges
- Balance Transfers that have not yet appeared on a statement of Account
- 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.
Velocity Frequent Flyer program applies to our Flyer & High Flyer Cards only
Up to 4 complimentary flights every year8
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.
Velocity Points3
- 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.
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.
Keeping your Card secure
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.
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.
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
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
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
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
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
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
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.
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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