The No Annual Fee Credit Card.

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 12 July 2010. You must be at least 18 years of age to apply for a credit card. You must also earn at least $20,000 p.a. for the No Annual Fee Credit Card or $50,000 p.a. for the Virgin Flyer Credit Card. Approval is subject to our credit criteria.

1. The maximum 44 days interest free period applies when you pay your balance off in full for 2 consecutive months. If you carry a balance on your credit card from month to month the 44 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

2. Cash withdrawal limits, fees and charges may apply.

3. Velocity is owned and operated by Velocity Rewards Pty Ltd as trustee of the Loyalty Trust. Membership of Velocity and Points earn and redemption is subject to the Member Terms & Conditions, available at velocityrewards.com.au, as amended from time to time. Points are earned on eligible purchases only. Points cannot be redeemed on Virgin America.

4. Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments.

5. VISA Zero liability guarantee. Terms and conditions apply. See here for details.

6. No Annual Fee Credit Card Balance Transfer 2.9%p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. Transferred balances are repaid first. At the end of the balance transfer period, your interest rate will revert to the Virgin No Annual Fee Credit Card APR for cash advances, currently 20.99% p.a. The current Virgin No Annual Fee Credit Card APR for retail purchases is 16.95% p.a. Interest rates are variable, subject to change and our credit criteria.

7. Virgin Flyer Credit Card Balance Transfer 6.9%p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. Transferred balances are repaid first. At the end of the balance transfer period, your interest rate will revert to the Virgin Flyer Credit Card APR for cash advances, currently 20.99% p.a. The current Virgin Flyer Credit Card APR for retail purchases is 20.99% p.a. Interest rates are variable, subject to change and our credit criteria.

8. Terms & Conditions apply. Second seat for free offer provides 50% off Virgin Blue flights for you and a friend is valid for up to 4 sectors a year and in Blue Saver, Corporate Plus, Flexible and Premium Economy classes. Credit card payment fees apply to both Guests and are not discounted. Checked baggage charges apply to some fare types. New Virgin Blue Guest Contact Centre bookings made at least 21 days in advance only. Payment with Virgin Flyer Credit Card and/or Virgin Blue vouchers required. Seats must be booked in the same fare class and are subject to availability. Check out here further Terms & Conditions.

9. To be eligible for the free flight offer, you must apply for Virgin Flyer Credit Card by 30 September 2010 and make a retail purchase with the Virgin Flyer Credit Card by 15 Oct 2010. If eligible, the Primary Cardholder will receive a one-way Virgin Blue GO fare class flight to and from select destinations which do not include NT and WA. Flight must be booked through the Virgin Blue Guest Contact Centre within 3 months of first card spend. Redemption on new flight bookings only after 16 Aug 2010  and must be made at least 21 days in advance of travel. Free flight subject to availability and is not available on all routes. No Baggage allowance is included. Check out here for further terms and conditions.

10. 1,000 bonus Velocity Points offer is provided to new approved Virgin No Annual Fee Credit Card account holders on first retail purchase spend prior to 31 Dec 2010. There must be an active Velocity Membership linked to the Virgin No Annual Fee Credit Card account. This offer is valid until 31 Dec 2010 and is subject to change at the discretion of Virgin Money. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying retail purchase. This offer is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin No Annual Fee Credit Card points promotions or offers.