The Virgin Australia Velocity Flyer Card

Earn up to 30,000 bonus Velocity Points21

Earn 10,000 bonus Points for every month $1,500 or more is spent for the first 3 months from card approval. Up to a total of 30,000 Velocity Points.

Pay ½ the annual fee in your first year - that's a saving of $65

All these great benefits with ½ the annual fee in your first year, reverting to an annual fee of $129.

0% p.a. for 6 months1 on balance transfers (reverts to cash advance rate)

After the period any unpaid balance transfer amount will revert to the cash advance rate.

Earn Velocity Points on your everyday spend10

The Virgin Australia Velocity Flyer Card Velocity Point earn rates

Spend each statement period Standard earn rate Spend with Virgin Australia7
First $1,500 0.66 Points per $1 1 Point per $1
After $1,500 0.5 Points per $1
HERE’S AN EXAMPLE OF HOW YOU CAN EARN VELOCITY POINTS
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Spend $1,000 on retail purchases
0.66 Points per $1
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Spend $1,000 with Virgin Australia
1 Point per $1
1,660 Velocity Points

The Virgin Australia Velocity High Flyer Card

Earn up to 50,000 bonus Velocity Points22

Earn 10,000 bonus Points for every month $3,000 or more is spent for the first 5 months from card approval. Up to a total of 50,000 Velocity Points.

Earn Velocity Points on your everyday spend10

The Virgin Australia Velocity High Flyer Card Velocity Point earn rates

Spend each statement period Standard earn rate Spend with Virgin Australia7
First $10,000 1 Point per $1 3 Points per $1
After $10,000 0.5 Points per $1
HERE’S AN EXAMPLE OF HOW YOU CAN EARN VELOCITY POINTS
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Spend $8,000 on retail purchases
1 Point per $1
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Spend $1,000 with Virgin Australia
3 Points per $1
11,000 Velocity Points

0% p.a. for 6 months on balance transfers1 (reverts to cash advance rate)

After the period any unpaid balance transfer amount will revert to the cash advance rate.

Great range of complimentary insurances6

We’ve got you covered with this range of complimentary insurance when you use the Virgin Australia Velocity High Flyer Card. Insurance cover includes:

  • International Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Purchase Cover and Extended Warranty Insurance
  • Guaranteed Pricing Scheme
  • Transit Accident Insurance
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Enjoy exclusive flight benefits

Now you're flying - with a $129 Virgin Australia Gift Voucher17, each year.

Enjoy an exclusive $129 Virgin Australia Gift Voucher on us, each year. Make a retail purchase on your card within 2 months prior to requesting your voucher to unlock your benefit. Use your Virgin Australia Gift Voucher when booking Virgin Australia flights on any fare type (including sale fares) or selected Virgin Australia Holidays’ packages anytime within 6 months of voucher issue date.

On the Virgin Australia Velocity High Flyer Card only, relax with two complimentary Single Entry Virgin Australia domestic Lounge passes33, on us, each year.

Relax and enjoy some time out before your flight with two complimentary Single Entry Virgin Australia domestic Lounge passes. These passes will appear in your Velocity account as an anniversary present from us each year and are valid until your next card anniversary.

Where could you go with these bonus Points25?

High Flyer Card 50,000 bonus Points

  • BrisbaneSingaporeFrom 37,500 Points + $112.53 Taxes & Fees
  • MelbourneAbu Dhabi, UAEFrom 47,000 Points + $110.06 Taxes & Fees
  • SydneyLos Angeles, USAFrom 47,000 Points + $138.07 Taxes & Fees
  • AdelaideSan Francisco, USAFrom 55,000 Points + $173.21 Taxes & Fees
  • PerthDublin, IrelandFrom 55,000 Points + $107.62 Taxes & Fees

Flyer Card 30,000 bonus Points

  • SydneyRarotonga, Cook IslandsFrom 23,900 Points + $99.07 Taxes & Fees
  • BrisbaneDenpasar, BaliFrom 23,900 Points + $95.73 Taxes & Fees
  • MelbourneNadi, FijiFrom 23,900 Points + $88.72 Taxes & Fees
  • PerthApia, SamoaFrom 28,900 Points + $110.65 Taxes & Fees
  • BrisbaneSingaporeFrom 37,500 Points + $112.53 Taxes & Fees
The Points prices displayed are valid for Reward Seats booked from 29 February 2016 to 31 May 2016 and will change on 1 June 2016. 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.

Visa payWave

For purchases of up to $100, you can simply wave & go anywhere that has a Visa payWave sensor.

Up to 4 additional cards to share with loved ones11

Additional cardholder fee of $39 p.a. per card applies for the Virgin Australia Velocity Flyer Card, and $89 p.a. per card applies for the Virgin Australia Velocity High Flyer Card.

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Rates, annual fee and limits

Virgin Australia Velocity
Flyer Card
Virgin Australia Velocity
High Flyer Card
Annual fee $64 in first year, then $129 $289
Additional card fee11 $19 in first year, then $39 $89
Balance transfer rate
(reverts to cash advance rate)
0% p.a. for 6 months1 0% p.a. for 6 months1
Purchase rate 20.74% p.a. 20.74% p.a.
Cash advance rate 20.99% p.a. 20.99% p.a.
Interest free days8
as long as you don’t have an outstanding balance
Up to 44 days* Up to 44 days*
Minimum credit limit $6,000 $15,000
Minimum income $35,000 $75,000

Important Stuff

click the edit button to change this text.
Fees, charges, and credit criteria apply. See our full terms and conditions here.
All interest rates shown are variable. This information is correct at 29 April 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.
  1. 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 29 April 2016. This offer is valid from 4 April 2016 to 5 June 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.
  2. 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 29 April 2016. This offer is valid from 4 April 2016 to 5 Junee 2016.
  3. 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 and Virgin Australia Velocity Flyer Card 0% p.a. for 18 months balance transfer offer, 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.
  4. $100 cashback offer for new approved customers only who apply by 5 June 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.
  1. 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.
  1. 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.
  2. 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.
  3. Cash withdrawal limits, fees and charges may apply.
  4. 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.
  5. Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments.
  1. 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.
  1. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.
  2. 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.
  3. Withdrawal limits, fees and charges may apply.
  1. The Virgin Australia Gift Voucher benefit 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 on your card within 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.
  2. 10,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 5 June 2016 under the 0% p.a. for 14 months on Balance Transfers offer. Earn 10,000 bonus Velocity Points if you spend $5,000 or more on Eligible Transactions 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. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the Flyer Card 10,000 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 is subject to change at the discretion of Virgin Money. 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).
  1. 20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 5 June 2016. Earn 10,000 bonus Points when you make an Eligible Transaction within 3 months of card approval date. Earn the remaining 10,000 bonus Velocity Points if you spend $10,000 on Eligible Transactions 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. 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 20,000 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).
  2. 30,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 5 June 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).
  3. 50,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 5 June 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).
  1. 25,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 5 June 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).
  2. Your total balance transfers may not exceed 80% of your credit limit. For the Virgin Australia Velocity Flyer Card balance transfer offer a 2% Balance Transfer fee (“BT fee”) applies, is charged once only and is added to your balance transfer amount at the time we process your request. The balance transfer interest rate applies to balances transferred with this offer and BT fee 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 and BT fee will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 29 April 2016. This offer is valid from 4 April 2016 to 5 June 2016.
  1. 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. The Points prices displayed are valid for Reward Seats booked from 29 February 2016 to 31 May 2016 and will change on 1 June 2016. 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. 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.
  2. $50 Annual Fee for life offer is available for new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 June 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).
  1. 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.
  1. 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.