Compare all Virgin Money Credit Cards

Use our handy credit card comparison table to easily compare the rates, rewards and more.

Virgin Money Anytime Rewards Card Virgin Money Low Rate Card Virgin Money No Annual Fee Card Virgin Australia Velocity Flyer Card Virgin Australia Velocity Flyer Card Virgin Australia Velocity High Flyer Card

Virgin Money Points offer

Low rate offer

No annual fee offer

Velocity Points offer

Balance transfer offer

Velocity Points offer

Summary Rewards and more, anytime and anywhere, with Virgin Money Points. Keep your interest rate low, but your expectations high.  No annual fees, no frills, no fuss. Turn everyday spend into Velocity Point rewards without breaking a sweat.  Turn everyday spend into Velocity Point rewards without breaking a sweat.  Turbocharge your Velocity Points, rev up your rewards, and perk up your perks.

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Offers
  • Earn up to 80,000 bonus Virgin Money Rewards Points13 when you spend $3,000 or more on eligible purchases within the first 3 months from card approval.
  • 0% p.a. for 12 months on balance transfers.1
    Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
  • 0% p.a. for 15 months on balance transfers.1
    Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
  • Earn Virgin Money Bonus Points4 via the Virgin Money app and partner offers.
  • 0% p.a. for 6 months on purchases.2 Reverts to ongoing purchase rate. 
  • Earn Virgin Money Bonus Points4 via the Virgin Money app and partner offers.
  • Earn up to 60,000 bonus Velocity Points16 in your first 2 months (30,000 Points for each month you spend $1,500 or more on eligible purchases in the first two months from card approval).
  • 0% p.a. for 12 months on balance transfers.1
    Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
  • Half annual fee for the first year, and $149 after that.38
  • 0% p.a. for 24 months on balance transfers.1
    Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
  • $0 annual fee for the first year, and $149 after that.39

Earn up to 80,000 bonus Velocity Points20 (40,000 Points for each month you spend $3,500 or more on eligible purchases in the first 2 months from card approval.  

0% p.a. for 12 months on balance transfers.1
Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.

Rates
Purchase rate 19.99% p.a 12.99% p.a. 0% p.a. for 6 months on purchases.2 Reverts to 19.99% p.a. 20.74% p.a 20.74% p.a 20.74% p.a
Cash Advance rate 20.99% p.a. 21.69% p.a. 20.99% p.a. 20.99% p.a 20.99% p.a 20.99% p.a.
Interest Free Period

55 days8 on retail purchases.
Please note, you will be charged interest on retail purchases while you have a balance transfer.

55 days8 on retail purchases.
Please note, you will be charged interest on retail purchases while you have a balance transfer.

Up to 55 days8 on retail purchases.
Please note, you will be charged interest on retail purchases while you have a balance transfer.

Up to 55 days8 on retail purchases.
Please note, you will be charged interest on retail purchases while you have a balance transfer.

Up to 55 days8 on retail purchases.
Please note, you will be charged interest on retail purchases while you have a balance transfer.

Up to 44 days8 on retail purchases.
Please note, you will be charged interest on retail purchases while you have a balance transfer.

Balance Transfer1
Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.

0% p.a. for 12 months. 0% p.a. for 15 months.

n/a

0% p.a. for 12 months. 0% p.a. for 24 months. 0% p.a. for 12 months.
Rewards
Points Earn Earn 1 Virgin Money Point per $1 spent on Eligible Transactions, uncapped.29

n/a

n/a

Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter.10 Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter.10 Earn 1 Velocity Point per $1 spent on Eligible Transactions up to $8,000 each statement period, 0.5 Points per $1 spent thereafter.10
Bonus Points Earn up to 80,000 bonus Virgin Money Points13 when you spend $3,000 or more on eligible purchases in the first 3 months from card approval with no limit to the points you can earn.

n/a

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Earn up to 60,000 bonus Velocity Points.16 Receive 30,000 points for each month you spend $1,500 or more on eligible purchases in the first 2 months from card approval.

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Earn up to 80,000 bonus Velocity Points20 (40,000 points for each month you spend $3,500 or more on eligible purchases in the first 2 months from card approval).
Travel Voucher

n/a

n/a

n/a

$129 Virgin Australia Gift Voucher, each year17, when you make a retail purchase in the 2 months prior to requesting the voucher. $129 Virgin Australia Gift Voucher, each year17, when you make a retail purchase in the 2 months prior to requesting the voucher. $129 Virgin Australia Gift Voucher, each year17, when you make a retail purchase in the 2 months prior to requesting the voucher.

2 complimentary Single Entry Lounge passes each year.33

Additional Benefits Earn Virgin Money bonus points4 via the Virgin Money app and partner offers. Earn Virgin Money bonus points4 via the Virgin Money app and partner offers. Earn Virgin Money bonus points4 via the Virgin Money app and partner offers. Earn 1 additional Velocity Point per $1 spent41 on a Virgin Australia purchase using your Flyer Credit Card. Earn 1 additional Velocity Point per $1 spent41 on a Virgin Australia purchase using your Flyer Credit Card.

100 Bonus Status Credits each year when you book an eligible Virgin Australia flight.5

Earn 2 additional Velocity Points per $1 spent41 on a Virgin Australia purchase using your High Flyer Credit Card.

Fees $149 $99 $0 $149 $149 $329
Complimentary Insurance
Extended Warranty Insurance            
Purchase Protection Insurance            
International Travel Insurance            
Domestic Travel Insurance            
Domestic Rental Vehicle Excess Insurance            
Security
Fraudshield            
Visa’s Zero Liability policy12            
Visa Checkout            
Verified by Visa            
Visa Paywave            

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More about Virgin Money Credit Cards

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The small print on card fees

Find out more about our rates & fees.

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credit card rewards and benefits

Card rewards and benefits

Take advantage of all the perks of your Virgin Money Credit Card.

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balance transfer calculator

Balance transfer calculator

See what you could save on interest by transferring your balance.

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Phone payments

Phone payments, made painless

Paying off your credit card balance with your phone.

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FAQs

  • How do you compare credit cards?

    There are several factors that are essential to look at when comparing credit cards. The main four are interest rates, fees, rewards & benefits. However, there are also introductory offers, credit limits, balance transfer options and card types. It’s important to evaluate these aspects to choose a card that best suits your financial goals & spending habits.

  • Which credit card is best in the market?

    The ideal credit card will depend on your own individual needs and preferences. The best credit card for you will suit your lifestyle & spending. For example, if you love to travel then a high points earning card with complimentary insurance may be suitable. Or if your main goal is to save, you might be more suited to a no fee or low rate credit card.

  • Is it good to change credit cards?

    There are many benefits to changing credit cards, such as switching to take advantage of better rewards and lower interest rates or for more suitable features for your spending habits. However, taking out too many can negatively impact your credit score and there may be fees involved such as balance transfer fees & annual fees.

  • How many credit cards should I own?

    The ideal number of credit cards for a person will depend on your financial goals, spending habits and credit card management skills. You may want to own more than one for the benefits and rewards, building credit history or having emergency funds. However, there are many potential drawbacks, such as the risk of overspending, having to manage several accounts and potentially accumulating debt. It’s also worth noting, many lenders will consider the amount of credit you have to your name before approving a home loan or new credit card application. 

  • What is the best credit card for travel points?

    The best travel credit card will depend on your specific travel preferences. Different credit cards will offer varying benefits & rewards. For example, earning points that can be used on specific airlines, airport lounge passes, travel insurance or hotel partnerships. It’s important to consider all of these factors when comparing travel credit cards.