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Virgin Australia Velocity Flyer Card

Go places faster with the Virgin Australia Velocity Flyer credit card. Turn your everyday spend into flights, accommodation and more. The sky’s the limit.

Choose the promotional offer that suits you best

Offer 1

  • 0 percent p.a. for 14 months on balance transfers for 18 months on balance transfers1
  • Earn 2
    bonus Velocity Points on everyday spend5
  • half annual fee in your first year annual fee in your first year

How it works

 

Apply now

or

Offer 2

  • 0% p.a. for 12 months on purchases for up to 12 months on purchases2
  • 0% p.a. on balance transfers for 6 months
    on balance transfers1

How it works

Pay no interest on purchases for 12 months from date of card approval. Plus get 6 months interest free on balance transfers (reverts to cash advance rate).

Apply now

or

Offer 3

  • Earn up to 30,000 bonus Velocity Points bonus Velocity Points21
  • half annual fee in your first year annual fee in your first year
  • 0% p.a. for 6 months on balance transfers for 6 months on balance transfers1

How it works

Get 0% p.a. for 6 months on balance transfers (reverts to cash advance rate), plus earn 10,000 bonus Points for every month $1,500 or more is spent for the first 3 months from card approval.

Apply now

Rates, annual fee & limits

Annual fee $129 Additional card fee $39
Purchase rate 20.74% p.a. Interest free days on purchases8 Up to 44*
Cash advance rate 20.99% p.a. Balance transfer rate at end of offer period Reverts to cash advance rate
Minimum credit limit $6,000 Minimum income required $35,000

* You must pay your balance in full each month (including balances transferred) to receive interest free days

Fees common across all our credit cards listed further down this page.

Card features and benefits

Velocity Points Earn

Velocity Points Earn

Turn your everyday credit card spend10 into flights, accommodation and more.

Exclusive Flight Benefit

Exclusive Flight Benefit

 

How the flight benefit works.

Visa payWave

Visa payWave

For purchases of up to $100, now you can simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient17.

Personal Concierge

Personal Concierge

Take advantage of round-the-clock access to the Visa Platinum Concierge Service14. It's the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world.

Guaranteed Pricing Scheme

Guaranteed Pricing Scheme

 
Learn more

 

Transit Accident Insurance

Transit Accident Insurance6

 

Learn more

Visa Platinum Benefits

Visa Platinum Benefits

Imagine having first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.

Learn more

Fraudshield

Fraudshield®

 

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Fees common across all our credit cards

A Cash Advance Fee ‐ (Domestic) On a cash advance less than $100: $2.70 per transaction
On amounts of $100 and over: 2.7% of the transaction amount
A Cash Advance Fee ‐ (International) $5.00 per transaction ‐ Note: withdraw limit of $1,000 cash per day (subject to your Available Cash limit)
International Transaction Fee 3.3% on the AUD dollar conversion of any transaction made in foreign currency; or any transaction made with an overseas merchant in Australian Dollars, of which a 1% service and assessment fee is payable by Us to Visa.
Dishonour Fee $15 each time a cheque or Direct Debit payment is dishonoured
Late Payment Fee $10 if your Payment Due isn't paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due is made.
Overlimit Fee $40 per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012.
Over-the-Counter Fee (Bank@Post) $2.50 per transaction
Information Request and Statement Copies $7 per additional statement or document copy

Important stuff

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

All interest rates shown are variable. This information is correct at 22 August 2016. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria.

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

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

Virgin Money (Australia) Pty Limited ABN 75 103 478 897 ("Virgin Money") distributes the Virgin Money Credit Cards ("Credit Cards") as an authorised credit representative under credit representative no 369377. Citigroup Pty Ltd ABN 88 004 325 080 AFSL/Australian credit licence 238098 ("Citibank") is the credit provider and issuer of the Credit Cards.

  • Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of new card application, for the period shown. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card, Virgin Money No Annual Fee Card and 21.69% p.a. for the Virgin Money Low Rate Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 22 August 2016. This offer is valid from 22 August 2016 to 30 September 2016. For the Virgin Money No Annual Fee Card balance transfer offer a 2% balance transfer fee applies, is charged once only and is added to your balance transfer amount at the time we process your request.
  • 0% p.a. on Purchases for new Virgin Australia Velocity Flyer Credit Card customers only for the period shown above from the date your account is approved. At the end of the promotional period Purchase amounts revert to the variable retail rate 20.74% p.a. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 22 August 2016. This offer is valid from 22 August 2016 to 30 September 2016.
  • The above example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. The promotional period is the period of the balance transfer offer shown. The rate, balance, interest and potential savings calculations in the table above are examples only. The estimate savings amount is based on a $7,000 balance transfer at an interest rate of 20% p.a. when compared to the balance transfer offer shown. For the Virgin Money No Annual Fee Card the 2% balance transfer fee has been applied to the savings amount shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate.
  • $100 cashback offer for new approved customers only who apply by 30 September 2016 and spend a minimum of $2,000 on Eligible Transactions on the card within 3 months of card approval date. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, and transactions made in operating a business. The cashback will be credited to the eligible customers account within 8 to 10 weeks after the qualifying purchases are made. You must be the primary account holder, the offer can only be used once per person and is not available to pre-existing customers. This offer is subject to change without notice at the discretion of Virgin Money, is non-transferrable and can't be used in conjunction with other promotions or offers.
  • Offer applies to new approved Virgin Australia Velocity Flyer Card customers who apply by 30 September 2016 under the 0% p.a. for 18 months on balance transfer offer. Earn 2 bonus Velocity Points on top of your standard earn rates for every $1 spent per month in the first 3 months from card approval. Points earn capped at 10,000 bonus Points per month, after which time standard earn rates apply for remainder of the month. Standard earn rate applies after promotional period. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Card Point promotions or offers. 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 velocityfrequentflyer.com, as amended from time to time.
  • For claims lodged on or after 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a Group Policy issued to Citigroup Pty Limited by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177) on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850) and is subject to Terms, Conditions, exclusions. Limits and excess may apply. Full Terms and Conditions are available here. For claims lodged prior to 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions. Limits and excess may apply. Full Terms and Conditions are available here.
  • Virgin Australia Velocity Credit Card holders who use their Card to book a flight with a "VA" flight number online at www.virginaustralia.com or by calling 13 67 89, will earn Velocity Points at the Virgin Australia Earn Rate. The Virgin Australia Earn Rate is 1 Velocity Point per $1 spent for Virgin Australia Velocity Flyer cardholders and 3 Velocity Points per $1 spent for Virgin Australia Velocity High Flyer cardholders. Velocity Points are calculated based on the Australian dollar value of the booking and are awarded for each whole Australian dollar spent. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time.
  • If you do not pay your account in full by the due date and you carry a balance on your credit card from month to month the 44 days interest free period does not apply. If you then make a purchase you are charged interest. You will then need to pay your balance off in full for 2 consecutive months for the maximum 44 days interest free period to take effect. No interest free period is available on Cash Advances or Balance Transfers.
  • Cash withdrawal limits, fees and charges may apply.
  • To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business.
  • Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments.
  • Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please ask us for additional details.
  • Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.
  • A valid Visa Platinum card must be used to make a purchase. Offers are subject to terms and conditions of the participating merchants providing the offers. Participating merchants are solely responsible for offer redemption and fulfilment, Visa does not provide any of the goods and services relating to the offers, nor make any representations or warranties in respect of the offers or such goods and services. Visa may modify or remove any of the merchants and/or their offers at any time without prior notice. Information about the offers is correct at the time of publication. You may wish to check with the participating merchant immediately before utilising an offer.
  • Withdrawal limits, fees and charges may apply.
  • The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher, your account is active and in good order and you are a Velocity Frequent Flyer Member. See Terms & conditions for full details.
  • 30,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 September 2016. 10,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 3 months from card approval. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the High Flyer Card 30,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • 30,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 September 2016. 10,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on Eligible Transactions for 3 months from card approval. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the Flyer Card 30,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points, there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer can’t be used in conjunction with other Virgin Flyer Card promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • 50,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 September 2016. 10,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 5 months from card approval. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the High Flyer Card 50,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • 25,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 September 2016. 5,000 bonus Velocity Points will be awarded for every month $500 or more is spent on Eligible Transactions for 5 months from card approval. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points, there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).
  • 60,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 September 2016. 10,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 6 months from card approval. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the High Flyer Card 60,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
  • The quoted redemption booking details are correct as at 18 June 2016 and are subject to change. A card payment fee may apply for bookings made via the Velocity website. For customers wishing to book a Reward Seat for travel on Etihad Airways operated flights, an Etihad Airways Carrier Charge will apply. View more information. Redemption bookings are based on a one-way Reward Seat, are subject to availability and to the Velocity Membership Terms and Conditions and must be booked at velocityfrequentflyer.com. Seats are limited and may not be available at peak times or on all flights. Name changes are not permitted. Refunds and itinerary changes are permitted prior to travel, and may be subject to a service fee, fare differences (if applicable) and fare restrictions as outlined on the Virgin Australia website. Bookings for Reward Seat itineraries to, from or via the United States made at least 7 days prior to departure may be cancelled up to 24 hours after confirmation, without penalty by calling the Membership Contact Centre on 13 18 75. For a redemption booking, the payment amount will comprise of taxes. A fee will apply to redemption bookings if booked by phone ($35 or 4,500 Points per person for Virgin Australia domestic and international short-haul redemption bookings and $60 or 7,500 Points per person for Virgin Australia international long-haul redemption bookings and redemption bookings on Velocity's international partner airlines). Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. A minimum checked baggage allowance of 1 piece up to 23kg applies for Economy Reward Seats and allowances increase for Silver, Gold and Platinum members. View baggage allowances for Reward Seat Redemptions. Additional fees will be charged for baggage in excess of the published allowances. Fees are chargeable at the time of purchase and are more expensive if not purchased prior to arriving at the airport. Conditions and travel restrictions apply for all fares. Fares to international destinations not operated by Virgin Australia will be flown by one of Velocity's international partner airlines. Baggage allowances for flights operated by partner airlines will vary in accordance with the individual policy of that carrier. Please check the operating carrier's website for full details. More information on which of our partners can fly you to your chosen destination can be found by viewing our Interactive Route Map.
  • $50 Annual Fee for life offer is available for new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 September 2016. Offer is only available to existing Virgin Mobile Postpaid Mobile and Postpaid Mobile Broadband customers (excludes Prepaid Mobile and Prepaid Mobile Broadband customers). Account details (including account name and mobile number) must be the same as your Virgin Mobile details when applying for this offer. You must be a primary account holder with Virgin Mobile. This offer is subject to change at the discretion of Virgin Money, is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).
  • Minimum Credit Limit of $6,000 on No Annual Fee Card if you choose to take up this balance transfer offer. Otherwise, the standard No Annual Fee Card has a minimum Credit Limit of $2,000.
  • The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Terms & Conditions for full details.