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Report your card lost or stolen

If your credit card is lost or stolen, please call us immediately on 13 37 39. If you're overseas, please call us reverse charges via the operator in the country you’re travelling in (international operator number) then request +61 2 8288 2222, so that this call is at no cost to you. We're here 24/7, and we'll block your lost or stolen card straight away, and then send you a new card which should arrive within 5 working days.

When you call, as well as blocking your card, we'll ask you about your recent spending, so we can fully investigate any unrecognised transactions that have been made with your card.

For more information about liability for card transactions see your account Terms & Conditions.

Updating your personal details

It's really important to keep us up to date with your contact details, especially your email address as this is where we'll send your monthly card statement and also any other important information relating to your accounts.

The good news is it's easy to do. Log into Virgin Money Online then go to: Services > My Profile > My Contact Details, or just give our Customer Care Team a call on 13 37 39, they're available 24/7.

If you need to change your name, we need you to:

  1. Provide a signed written request - please specify your account number and the changes to your name. Request should bear both your old signature and new signature.
  2. Provide evidence of your name change – such as marriage certificate, divorce papers or deed poll, change of name certificate issued by the State’s Registry Office of Births, Deaths and Marriages, passport or driver’s license (please do not send the original – a certified true copy is adequate). Evidence must be stamped and signed by Justice of the Peace who is registered on the Justice of the Peace website.
  3. Post this detail to us at Virgin Money, Reply Paid, GPO Box 40, Sydney, NSW, 2000 or alternatively fax it to us on 1300 794 785.

As soon as we get them we’ll arrange to update your name on your Virgin Money Credit Card account and send you your replacement cards.

Add additional cardholders

With your Virgin Money Credit Card you can have up to 4 Additional Cardholders linked to your account. It’s a convenient way of making sure your family share the benefits of the Virgin Credit Card.

We give Additional Cardholders their own card. Any transactions made using these cards will be listed separately on your card statement, so you can easily keep track of who’s spending what. It’s important to know that Additional Cardholders must be aged over 16 and the primary cardholder is responsible for each additional cardholders’ transactions.

Annual fees for any additional cardholder are:

  • For the No Annual Fee Card: no Annual Fee ‐ ever.
  • For the Low Rate Card: $29.
  • For the Virgin Australia Velocity Flyer Card: $39.
  • For the Virgin Australia Velocity High Flyer Card: $89.

To request additional cards on your account, you can either:

  • Log into your Virgin Money Online account, the go to Services > Card Services > Apply for a new card
  • Call us on 13 37 39
  • Fill in the application form for additional cardholders and pop it in the post or fax it back to us.

Upgrade or downgrade your card

How to upgrade your Credit Card?

Once you've had your current Virgin Money credit card for 6 months, you can apply for a Card upgrade by calling us on 13 37 39.

If you'd like to upgrade to a Virgin Australia Velocity High Flyer Card, we’ll need to make sure that we can offer you the minimum credit limit of $15,000 or if you'd like to upgrade to a Virgin Australia Velocity Flyer or Virgin Money Low Rate Card, we’ll need to make sure that we can offer you the minimum credit limit of $6,000. If yours is currently below these minimum credit limits. Just give our Customer Care Team a call on 13 37 39 and they’ll be able to help you out.

If you require a credit limit increase at the same time as your card upgrade, we’ll process the limit increase first and then process the upgrade if the limit increase is approved.

Your new card will be sent to you 7 to 14 days after your upgrade has been approved. During this time, you can continue to use your old card for purchases, which will continue to work until your new card is activated. Once your new card has been activated, you should destroy your previous card.

Any additional card holders will also receive a new card, account number and ATM PIN.

The annual fee applicable to your card is pro-rated for the primary card and any additional cards. You'll see on your next statement the charge of the pro-rated annual fee for your new card and for any additional card. You should contact any merchants you're automatically paying with your current card and advise them of your new card number.

How to downgrade your Credit Card?

You can call us on 13 37 39 anytime to request a downgrade.

Once the downgrade request has been processed, you and any additional cardholder will receive your new card within 7 to 14 days. Your current annual fee will be pro-rated for the period you have held your current card and you'll be charged a pro-rated annual fee for your new card (if there is one applicable). This may result in a refund.

If you're downgrading to our No Annual Fee card, it's important to know that your current credit limit may be lowered to bring it in line with the maximum credit limit allowable for your new card. You should contact any merchants you're automatically paying with your current card and advise them of your new card number.

Balance transfers

You could save on interest

Make life easier and save on interest: Transfer the balance of your non-Virgin Money credit cards, store cards or lines of credit onto your Virgin Money Credit Card and only have one account to manage. It could mean big savings, by potentially reducing the interest you’re charged on your existing credit balance. It’s also easier to manage your debt when it’s all in one place.

To see how much you could save in interest with a balance transfer, refer to our Balance Transfer Calculator page.

New customers

When you apply for a new Virgin Money Credit Card, you can also apply for a Balance Transfer.

To do so, you’ll need to give us key details of that account, including the:

  • name the account is held in
  • type of card or account
  • card or account number
  • amount to be transferred
  • issuing organisation’s name and address.

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.

Existing cardholders

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 special offer rates are available for 30 days after your card is approved. If you’d like to request a balance transfer after that time please give us a call on 13 37 39 to see what rates we can offer you.

Once you’ve transferred your balance, be sure to close your old credit cards, store cards or lines of credit, as it won’t happen automatically.

Here’s some more information that may help you on Balance Transfers.

  • The minimum amount you can transfer over to your Virgin Money Credit Card is $500 and your total Balance Transfer may not exceed 80% of your maximum available Credit Limit the day the balance transfer is completed
  • You can't transfer a balance from one Virgin Money card to another 
  • A Balance Transfer isn’t additional credit. Just like normal spending on your account, it reduces your available credit
  • We can only transfer balances from accounts held in the primary cardholders name
  • Balance Transfers don’t earn you Velocity Points
  • Accounts that have a Balance Transfer do not qualify for interest free days.

Fixed Payment Option

The Fixed Payment Option is an offer available to eligible Virgin Money credit cardholders via Virgin Money Online. It allows you to take advantage of an interest rate lower than the standard interest rate you currently pay on your credit card account for a fixed term of 1, 2 or 3 years. You can request a cheque for $500 or more up to your available credit limit, or select unbilled retail purchases of $500 or more and convert them to a Fixed Payment Option.

Here’s some important information that may help you to understand Fixed Payment Options:

  • You cannot assign any outstanding balances to a Fixed Payment Option, i.e. a balance that has already appeared on your statement
  • A maximum of 5 unbilled retail purchases can be assigned to a single Fixed Payment Option
  • A Fixed Payment Option does not alter your current credit limit, as it uses your existing available credit limit
  • There are no fees associated with set up, early repayment or cancellation

How to set up?

To find out whether there is a Fixed Payment Option offer currently available to you, sign in to Virgin Money Online and go to: Rewards & Offers > My Offers. A Fixed Payment Offer is subject to eligibility at the time of processing. If there is no Fixed Payment Option offer showing, you cannot set one up at that point in time.

See our demo on how to set up a Fixed Payment Option comprising of a cheque request.

See our demo on how to set up a Fixed Payment Option comprising of unbilled retail purchase transactions.

Understanding repayments

Once a Fixed Payment Option has been set up, you need to make fixed monthly repayments, called Monthly Instalments. These are rolled into the Minimum Payment Due amount on your monthly statement. This means you pay the Fixed Payment Option off within your chosen term, with the full amount paid off entirely at the end of your chosen term provided you’ve met all your repayments.

  • A summary of your Fixed Payment Option will appear on the next monthly statement after you set it up. It will appear as a separate section towards the bottom of your statement, and will contain your fixed Monthly Instalment repayment amount
  • Your first Monthly Instalment repayment will be billed in the second statement period after you’ve set up a Fixed Payment Option. Just make the Minimum Payment Due, as this amount also comprises your Instalment repayment amount
  • Missed payments will be charged at the standard Annual Percentage Rate
  • If your Fixed Payment Option is cancelled by us due to several missed payments, the full outstanding balance will be charged at the standard Annual Percentage Rate
  • To pay off your Fixed Payment Option sooner, or to cancel, call 13 37 39.

The Fixed Payment Option Terms and Conditions can be viewed in the Credit Card Terms and Conditions and Other Important Information booklet.

For more information on the Fixed Payment Option and Frequently Asked Questions visit virginmoney.com.au/FPO.

Change your Credit Limit

Our No Annual Fee Credit Card has a minimum Credit Limit available of $2,000 and maximum of $10,000.

Our Low Rate Credit Card and Virgin Australia Velocity Flyer Card have a minimum Credit Limit of $6,000 and a maximum of $100,000 (the maximum you can request at application is $30,000).

The Virgin Australia Velocity High Flyer Card has a minimum Credit Limit of $15,000 and a maximum of $100,000 (the maximum you can request at application is $50,000).

How to increase your Credit Limit?

After having your Virgin Money 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 and will depend on the assessment of your current financial situation and verification of particular details. Please allow 7 to 10 working days for us to assess your credit limit 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
  • Credit Limits cannot be increased by more than the product maximum
  • If you require a credit limit increase at the same time as a card upgrade, we'll process the limit increase first and then process the upgrade if the limit increase is approved. 

How to decrease your Credit Limit?

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:

  • No Annual Fee Credit Card has a minimum Credit Limit of $2,000
  • The Virgin Australia Velocity Flyer card & our Low Rate Card have a minimum Credit Limit of $6,000
  • The Virgin Australia Velocity High Flyer Card has a minimum Credit Limit of $15,000

If you decrease your credit limit and request your previous limit to be re instated at a later time you may be required to complete a new application and will be subject to our lending criteria at that time.

Disputing a transaction

A transaction dispute occurs when you or an additional cardholder questions a transaction charged to your Virgin Money credit card account.

Visa have set rules and timelines for the dispute process, which can sometimes take up to 180 days to resolve.

Transaction dispute guidelines

  1. To allow us to help you resolve your dispute you must contact us immediately on 13 37 39 when you identify a suspicious transaction - ideally this should be within 60 days of the transaction date.
  2. If your dispute is not about a suspected fraudulent transaction, you should question the transaction with the merchant or service provider. If no resolution is agreed, we will act on your behalf in the formal dispute process.
  3. In order for us to act on your behalf we need you to provide us with all the available information and supporting documentation along with the dispute form signed by the account owner.
  4. Once we receive your dispute form and supporting documentation we will liaise directly with the merchant's bank to request a copy of the transaction voucher if appropriate (charges may apply) or a reversal of the charge.
  5. The merchant's bank will respond with either a copy of the voucher, a reversal of the charge or a request for more information. We will contact you by mail if further information is required - please ensure that you respond within the timeframes as advised on the correspondence to ensure that we can continue your transaction dispute.
  6. Dispute cases can take up to a maximum of 180 days depending on the nature of the dispute and it is important for you to stay in contact with us and assist with the case until a resolution is achieved.

It’s important to know that ‘unauthorised transactions’ are charges that a cardholder claims to have never authorised. Virgin Money must block your card before pursuing the dispute with the merchant's bank.

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 8 June 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 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 238098 ("Citibank"). 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 8 June 2016. This offer is valid from 8 June 2016 to 31 August 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 8 June 2016. This offer is valid from 8 June 2016 to 31 August 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 31 August 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 31 August 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 31 August 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 31 August 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 31 August 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 Points prices and taxes, carrier charges and fees displayed are correct as at 18 June 2016 and are subject to change. 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 Economy 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. Bookings can be changed/cancelled prior to travel by paying the fee and any applicable fare difference in accordance with the fare rules, as published on the Virgin Australia website on the day you request your change. For current change and cancel fees, see Virgin Australia’s domestic Fees page, international short haul Fees page and international long haul Fees page. For a redemption booking, the payment amount will comprise of taxes or, where the total cash component of a booking exceeds $50 and this amount is paid for by credit card or debit card, the payment amount will comprise of taxes and a Booking and Service fee. Add our Booking and Services fee when paying by credit card or debit card ($7.70 per person per booking for Virgin Australia domestic flights, $10 per person per booking for Virgin Australia international short-haul flights and $30 person per booking for Virgin Australia international long-haul flights and flights operated by partner airlines). Add our Guest Contact Centre fee for bookings by phone ($35 per person for domestic redemption bookings and $60 per person for international redemption bookings). Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or Booking and Service 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. For current fees for excess baggage, see Virgin Australia's domestic Baggage Details, international short haul Baggage Details and international long haul Baggage Details. 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, check the partner airline’s website for baggage fees, limits and policies for your flight. 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, available on the Velocity website.
  • $50 Annual Fee for life offer is available for new approved Virgin Australia Velocity Flyer Card account holders who apply by 31 August 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.