Your points your way, because we wouldn’t have it any other way. And you can do it all from the Virgin Money app.

Epic ways to use your points

Points for cash14

Turn your points into cash and send it straight into your Virgin Money Go Account (or any one of your Virgin Money savings accounts).

Pay with points15

Put a big line through that purchase like it never happened. Simply use your points to pay for an item you've already bought - and poof! - the value will be credited back to your account. That's not banking, that's points magic.

Gift cards16

Got a special something (or someone) in mind? Swap your points for a gift card from brands like Amazon, Bunnings or JB Hi-Fi and instantly use in store or online. 

Share your points17

Want to pay it forward? We’re all about sharing the love. With Virgin Money you can gift your points to anyone you want, as long as they bank with us.

Like the idea of a rewarding everyday bank account?

Check out these products or compare our accounts.


Still have some questions? Let’s see if we can answer them for you now.

  • What is Virgin Money Rewards?

    Virgin Money Rewards is our loyalty program designed with you in mind. Our goal is to recognise and reward you for who you are, and to help you create better money habits. It’s about giving you a rewarding banking experience every day, not just someday.

    You'll earn Virgin Money Points for a whole heap of things like partner offers, everyday purchases, direct debits and BPAY payments when you meet the Monthly Criteria (see below) on your Virgin Money Go Account, we might just decide to say thanks or well done, as well, for doing a bunch of good things for you (not us). And when it comes to using your points, we’ll give you plenty of ways that work for you too.

    The best part - there’s more to come. We’re still new and building our program and we have some exciting stuff planned. We can’t wait to share it with you.

    Find out how to earn points

  • How can I earn points?

    We love to give, so there's heaps of ways to earn points:

    • For making a purchase, direct debit or BPAY payment on your everyday Virgin Money Go Account when you meet the Monthly Criteria the previous month
    • Partner offers - earn points from shopping with our partners via the "Offers from our partners" section of the Rewards Hub
    • Booking a hotel - earn 5 points per dollar spent via the "Book Travel" section of the Rewards Hub
    • Referring a friend - earn bonus points by referring a friend to their first Virgin Money Go Account (T&Cs apply)
    • Welcome bonus on a new Virgin Money Go Account (T&Cs apply)
    • Just for being you. We’ll find the perfect moment to surprise you with bonus points, little perks or special offers, just to say thanks

    Getting up and running is easy if you’re already a customer and have the app. Just head to the Rewards hub > Earn to start earning today.

    Learn all the ways to earn points

  • Do my Virgin Money Points expire?

    There’s no 'use-by' date on these points as long as you have an active eligible product with us and have earned or redeemed a point within the last 2 years. That said, if you close all your accounts, you’ll have 3 months to redeem any outstanding points.

  • What is the Monthly Criteria?

    To unlock 8 points per purchase, direct debit and BPAY payment on your Go Account, plus bonus interest on your Boost Saver, you need to meet the Monthly Criteria in the previous month. Here’s what you need to do each month:

    Age group Monthly Criteria
    14 – 17 years There are no criteria required to activate the benefits. You’re already good to go.
    18 – 24 years
    Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending). Ready? Go.
    Over 25 years
    Deposit $2,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending). Let’s go!