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You can change your PIN via the following steps:

  1. Sign in to Virgin Money Online and select 'My Profile' from the 'Services' menu option (located on the top menu bar)
  2. Click on 'My Profile' in the left hand navigation and select the 'Change ATM PIN' option
  3. Enter your One-Time PIN (OTP) (if required)
  4. On the Change ATM PIN page, enter your new ATM PIN in the field provided, then re-enter it again to confirm
  5. Click 'Change PIN' to validate.

 

If you have additional cardholders they’ll need to set up their own Virgin Money Online account. To do this we will need to have their mobile number on file, so give our Customer Care Team a call on 13 37 39. Once we have their mobile number listed, they can then go ahead and set up their online account using their card details and then change their ATM PIN.

 

If your credit card is lost or stolen, please call us immediately on 13 37 39, or +612 8288 2222 if you're outside of Australia. 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.

 

Only if your card is lost or stolen and it's an emergency, in most cases, we can cancel and replace it within 48 hours in almost any location, free of charge. If you're overseas you can report your card missing at any bank or financial institution displaying a VISA sign.

 

If you've requested to receive eStatements we'll email you your monthly statement in the form of an encrypted PDF attachment, you'll be required to enter a password to view your statement. A copy of the statement will also be stored within your online account for up to 2 years. Your statement will include all the information you need to know for the last month of activity, such as your account balance and the minimum amount due.

It’s also best if you have the latest version of Adobe Reader in order to view your statements within Virgin Money Online.

If you've asked for paper Statements, you can always switch to eStatements in your online account by clicking on 'Services', then head to 'My Profile' and select 'eStatements'.

  • For details on how to read your statement, you can view an example here for our Flyer Rewards cards or here for our other cards (Low rate and No Annual Fee).
 
 
 

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 statement notifications if you opted for eStatements and also any other important information relating to your accounts.

The good news is it's easy to do. Log into Virgin Money Online using your User ID and Password, head to the 'Services' tab, then 'My Profile' and selecting '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, simply complete the Name Change Form, and supply us with some evidence such as a photocopy of your marriage certificate, divorce paper or deed poll.

 
 

With your Virgin 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 ‘Virgin No Annual Fee Credit Card’: no Annual Fee - ever.
  • For the ‘Virgin Low Rate Card’: $29.
  • For the ‘Virgin Flyer Credit Card’: $39.
  • For the ‘Virgin High Flyer Credit Card’: $89.
To request additional cards on your account, you can either:
 
 

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 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.

New customers
When you apply for a new Virgin 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 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.
  • 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.
 

The Virgin No Annual Fee Credit Card has a minimum Credit Limit available of $2,000 and maximum of $10,000.
The Virgin 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 $30,000).

How to increase your Credit Limit?
After having your Virgin 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


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:

  • The Virgin No Annual Fee Credit Card has a minimum Credit Limit of $2,000
  • The Virgin Australia Velocity flyer card & the Virgin Money 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.

 

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 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 from a Virgin No Annual Fee Card to a Virgin Flyer or 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.

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.
 

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.

 

Cancelling regular paymentsa where you have provided a third party with your 16-digit Virgin credit card number: you need to contact the third party directly and tell them when you want to cancel your regular payment or when your account details change, including a change in card number and/or change of card expiry date. Until you notify the third party, your bank is required to continue to process transactions from them.

We’ve attached a useful link to create a change in account details letter. It’s a good idea to keep a copy of any cancellations or changes in account details. This will help if the third party doesn’t complete your request quickly or if you decide to disputeb any incorrect payments. Don't forget you need to contact the third party directly.

Cancelling regular payments where you have instructed Virgin Money to transfer money out of your Virgin card account on regular basis: If you have setup regular BPAY payments from your card account via Virgin Money Online, you can cancel these payments by logging into your Virgin Money Online account and selecting 'Payments & Transfers', then 'Manage Payments & Transfers'. You can then cancel any future dated scheduled payments.

a. Regular payments can be either a recurring payment or an instalment payment. A regular payment represents an agreement between you (the cardholder) and a Merchant in which you preauthorise the Merchant to bill your card account at predetermined intervals (e.g. monthly or quarterly) or at intervals as agreed by you. The amount may differ or be the same for each transaction.

There are many benefits for cardholders who set up regular payments, including:

1) Ensures timely payment to the Merchant;
2) Saves you time as the payment is processed automatically; and
3) Saves you money as you do not have to pay for cheques, money transfers or postage nor will you be liable for late fees.

b. Customer’s right to dispute: Any issues with your regular payments, including failure of the Merchant to act on a change details advice, should be taken up directly with your Merchant first. If you require further assistance to resolve an issue between you and a Merchant, please give us a call on 13 37 39. We’re here to help.

 
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Important information

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

All interest rates shown are variable. This information is correct at 01 October 2014. 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.

#7,500 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity Flyer Card account holders who apply by 04 January 2015 and make a Retail Purchase with the card within 3 months of card approval date. Additional 7,500 bonus Velocity Points offer is provided if you also spend $5,000 on Retail Purchases on the card within 3 months of card approval date. Retail purchases are for valid goods and services purchases only. Charge backs, refunds or fraudulent transactions do not count towards Retail Purchase eligibility. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the credit card with the 15,000 points offer. There must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

^10,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity Flyer Card account holders who apply by 04 January 2015 and make a Retail Purchase with the card within 3 months of card approval date. Additional 10,000 bonus Velocity Points offer is provided if you also spend $5,000 on Retail Purchases on the card within 3 months of card approval date. Retail purchases are for valid goods and services purchases only. Charge backs, refunds or fraudulent transactions do not count towards Retail Purchase eligibility. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the 20,000 Velocity Points offer. There must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. This offer can’t be used in conjunction with other Virgin Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

*New approved Virgin Australia Velocity High Flyer customers who apply by 04 January 2015 will receive 10,000 bonus Velocity Points per month for the first 6 months after card approval, when a minimum of $3,000 is spent on Retail Purchases in each of those months. Retail Purchases will not count towards Bonus Velocity Point eligibility where the Retail Purchase is ultimately charged back or refunded or is found to be fraudulent. There must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. 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).

~10,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 4 January 2015 and make a Retail Purchase with the card within 3 months of card approval date. Additional 10,000 bonus Velocity Points offer is provided if you also spend $10,000 on Retail Purchases on the card within 3 months of card approval date. Retail purchases are for valid goods and services purchases only. Charge backs, refunds or fraudulent transactions do not count towards Retail Purchase eligibility. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the 20,000 Velocity Points & half fee offer. There must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. This offer can’t be used in conjunction with other Virgin Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

+Redemption bookings are based on an Economy Reward Seat, are subject to availability and to the Velocity Membership Terms and Conditions and must be booked at velocityfrequentflyer.com. Quoted redemption booking details are correct as at 19 September 2014 and are subject to change. 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, subject to a service fee, fare differences (if applicable) and fare restrictions as outlined on the Virgin Australia website. 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. A Booking and Service fee will apply 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). A fee will apply to redemption bookings if booked 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. To view baggage allowances for Reward Seat Redemptions, click here. 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, available on the Velocity website.

 

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 www.velocityfrequentflyer.com, 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 ask us for additional details.

6. 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 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 01 October 2014. This offer is valid from 01 October 2014 to 04 January 2015.

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. 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 default 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. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate.

8. Offer valid for Primary Cardholder and one Guest booked and travelling together in the same fare class. The offer provides 50% off the base fare component of a domestic Virgin Australia Saver/Saver Lite Fare (which excludes taxes and Booking and Service Fees) for the Primary Cardholder and one Guest when flying together. Saver Lite fares do not include a checked baggage allowance. Guests travelling on a Saver Lite fare may only purchase a baggage allowance at the airport for the applicable fee (baggage allowance cannot be purchased online). Limit of 4 sectors a year. Excludes sale fares. Taxes and fees to be covered by Primary Cardholder. Guest Contact Centre fees do not apply. See virginaustralia.com/fees for full details on fees. Offer valid on new bookings made via the Guest Contact Centre at least 30 days before travel and paid with an eligible Virgin Australia Velocity Credit Card and/or Virgin Australia vouchers. Seats are subject to availability which may be limited at peak times such as weekends, Christmas or School Holidays. Flight availability and fare prices advertised on the Virgin Australia website are not indicative of real-time availability or costs. Contact the Virgin Australia Guest Contact Centre for costs and availability for your travel dates. Click here for further Terms and Conditions.

9. Fare and earn rate restrictions apply for Velocity Airline Partners. Not all fare types are eligible to earn Velocity Points. Click here for more information.

10. New approved Virgin Australia Velocity Flyer customers who apply by 04 January 2015 will receive 5,000 bonus Velocity Points per month for the first 5 months after card approval, when a minimum of $500 is spent on Retail Purchases in each of those months. Retail Purchases will not count towards Bonus Velocity Point eligibility where the Retail Purchase is ultimately charged back or refunded or is found to be fraudulent. Credit Card application must be submitted through this page www.virginmoney.com.au/credit-card/welcome/flyer/phoneoffer2/. There must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account to earn Bonus Velocity Points. This offer 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 purchases. This offer is not redeemable for cash, is non transferrable and can't be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).

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

15. New Virgin Australia Velocity Cards issued post 2 October 2012 only and new Virgin Money Low Rate and Virgin Money No Annual Fee Cards issued post 1 July 2013.

16. Uncapped points offer is for Eligible Transactions only. Eligible Transaction 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, 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, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. 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.

17. 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 01 October 2014. This offer is valid for applications made until 04 January 2015 and can't be used in conjunction with other offers.

18. Offer applies to new approved Virgin Australia Velocity Flyer Card customers who apply between 01 October 2014 and 04 January 2015 under the 0% p.a. for 14 months on balance transfer offer. Earn 4 Points for every $1 spent per month up to $1,500. Then 2 Points for every $1 spent. 20,000 maximum 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 Flyer Card 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.

19. You must spend $1,000 or more on retail purchases in your first 3 months to be eligible for this offer. Offer reverts to 0% p.a. for 6 months on balance transfers if first 3 month spend criteria not met. After the interest free period any unpaid balance transfer amount will revert to the cash advance rate. It’s available if you apply by 04 January 2015. Your total balance transfer 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. Interest rates are current as at 01 October 2014, are variable and subject to change.

20. New approved Virgin Australia Velocity Flyer customers who apply by 04 January 2015 will receive 5,000 bonus Velocity Points per month for the first 5 months after card approval, when a minimum of $500 is spent on Retail Purchases in each of those months. Retail Purchases will not count towards Bonus Velocity Point eligibility where the Retail Purchase is ultimately charged back or refunded or is found to be fraudulent. Credit Card application must be submitted through this page www.virginmoney.com.au/credit-card/welcome/flyer/phoneoffer/. There must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account to earn Bonus Velocity Points. This offer 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 purchases. This offer is not redeemable for cash, is non transferrable and can't be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).

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

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