Compare our credit cards

At Virgin Money, we have a range of different credit cards. Some reward you by turning your everyday spend into Velocity Points, others keep it simple with no annual fee or one of the lowest ongoing variable purchase rates in the market.

Virgin Australia Velocity Flyer Card Virgin Australia Velocity Flyer Card Virgin Australia Velocity Flyer Card Virgin Australia Velocity High Flyer Card No Annual Fee Card Low Rate Card

Balance Transfer & Points offer

  • 0% p.a. for 18 months on balance transfers1 (Reverts to cash advance rate)
  • Earn 3 bonus Velocity Points on everyday spend5
  • 1/2 annual fee in your first year

Purchase & Balance Transfer offer

  • 0% p.a. for up to 12 months on purchases2
  • 0% p.a. for 6 months on balance transfers1

Bonus Points offer

  • Earn up to 40,000 bonus Velocity Points27
  • 0% p.a. for 6 months on balance transfers1

Points & Balance Transfer Offer

  • Earn up to 30,000 bonus Velocity Points20
  • 1.9% p.a. for 15 months on balance transfers1
  • 1/2 annual fee in your first year

No fee & Balance Transfer Offer

  • $0 No annual fee...ever
  • 0% p.a. for 12 months on balance transfers1 (3% BT fee applies)
  • BT fee refund if you spend $2,000 on eligible purchases in the first 3 months from card approval4

Low variable purchase rate & balance transfer offer

  • LOW ongoing variable purchase rate
  • 0% p.a. for 12 months on balance transfer1 (reverts to cash advance rate)

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Annual Fee $64 first year, then $129 $129 $129 $144 first year, then $289 $0 $99
Balance Transfer Rate1 0% p.a. for 18 months on balance tranfers1 (1.5% BT fee applies. Reverts to cash advance rate) 0% p.a. for 6 months1 (reverts to cash advance rate) 0% p.a. for 6 months1 (reverts to cash advance rate) 1.9% p.a. for 15 months1 (reverts to cash advance rate) 0% p.a. for 12 months on balance transfers1 (3% BT fee applies. Reverts to cash advance rate). Fee refunded if you spend $2,000 on eligible purchases in the first 3 months from card approval4 0% p.a. for 12 months on balance transfers1 (reverts to cash advance rate)
Interest Free Days8 Up to 44* Up to 44* Up to 44* Up to 44* Up to 44* Up to 44*
Purchase Rate 20.74% p.a. 0% p.a. for up to 12 months2 (reverts to purchase rate) 20.74% p.a. 20.74% p.a. 18.99% p.a. 11.99% p.a.
Cash Advance Rate 20.99% p.a. 20.99% p.a. 20.99% p.a. 20.99% p.a. 20.99% p.a. 21.69% p.a.
Points Earn10 Earn Points on your everyday credit card spend. See earn rates here Earn Points on your everyday credit card spend. See earn rates here Earn Points on your everyday credit card spend. See earn rates here Earn Points on your everyday credit card spend. See earn rates here
Bonus Points Earn 2 bonus Velocity Points on top of your standard earn rates for every $1 spent in your first 3 months from card approval5 . Capped at 10,000 bonus Points per month. Earn up to 40,000 bonus Velocity Points. Earn 10,000 bonus Points for every month $1,500 or more is spent for the first 4 months from card approval27 . Earn up to 30,000 bonus Velocity Points. Earn 10,000 Points for every month $3,000 or more is spent for the first 3 months from card approval20 .
Flight Benefit Find out more Find out more Find out more Find out more
Insurance6 Find out more Find out more Find out more Find out more
Minimum Credit Limit $6,000 $6,000 $6,000 $15,000 $6,000
applies for this offer29
$6,000
Minimum Income $35,000 $35,000 $35,000 $75,000 $25,000 $35,000
Visa payWave Find out more Find out more Find out more Find out more Find out more Find out more

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Discover the points earn rates on our Velocity Rewards cards

  • The Virgin Australia Velocity Flyer Card
    Spend each statement period Standard earn rate on retail purchases
    First $1,500 0.66 Points per $1
    After $1,500 0.5 Points per $1

    Here's an example of how you can earn Velocity Points

    Spend $2,000
    on retail purchases

       

    990 Points
    for the first $1,500 of spend in the statement period


     + 

    250 Points
    for spend over the initial $1,500 of spend in the statement period


     = 

    1,240 Velocity Points
     
  • The Virgin Australia Velocity High Flyer Card
    Spend each statement period Standard earn rate on retail purchases
    First $8,000 1 Point per $1
    After $8,000 0.5 Points per $1

    Here's an example of how you can earn Velocity Points

    Spend $11,000
    on retail purchases

       

    8,000 Points
    for the first $8,000 of spend in the statement period


     + 

    1,500 Points
    for spend over the initial $8,000 of spend in the statement period


     = 

    9,500 Velocity Points
     
  • Virgin Money Credit Cards - Calculate your balance transfer savings

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    Virgin Money Credit Cards - Find out about our credit card Rewards and Benefits

    Find out about our credit card Rewards & Benefits

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Fees common across all our credit cards

A Cash Advance Fee ‐ (Domestic) On a cash advance less than $100: $2.70 per transaction
On amounts of $100 and over: 2.7% of the transaction amount
A Cash Advance Fee ‐ (International) $5.00 per transaction ‐ Note: withdraw limit of $1,000 cash per day (subject to your Available Cash limit)
International Transaction Fee

We charge you an international transaction fee of 3.3%, of which a 1% service and assessment fee is payable by Us to Visa, for any retail purchase or cash advance transaction in:

  • Foreign currency once converted to Australian dollars; and/or
  • Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located overseas.

Note: It may not always be clear that the merchant or its financial institution/payment processor is located outside Australia.

Dishonour Fee $15 each time a cheque or Direct Debit payment is dishonoured
Late Payment Fee $10 if your Payment Due isn't paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due is made.
Overlimit Fee $40 per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012.
Over-the-Counter Fee (Bank@Post) $2.50 per transaction
Information Request and Statement Copies

$7 per additional statement or document copy
Paper Statement Fee For Flyer and High Flyer credit cards, each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances.