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

Long, balance transfer offer

  • 0% p.a. for up to 22 months on balance transfer with a 1% balance transfer fee1

  • Earn 3 additional bonus Velocity Points per $1 on your everyday spend5 in the first 3 months (capped at 10,000 Points per month)5

Purchase & annual fee savings offer

  • 0% p.a. for up to 14 months on purchases2

  • Half annual fee in the first year

Up to 70,000 Velocity Points offer

  • Earn up to 70,000 bonus Velocity Points16
  • 0% p.a. for 18 months on balance transfers1

100,000 Velocity Points & Balance Transfer offer

  • Earn up to 100,000 bonus Velocity Points20
  • 0% p.a. for 15 months on balance transfers1

No fee & Balance Transfer
offer

  • $0 No annual fee...ever


  • 6.9% p.a. for 36 months on balance transfers1

Low variable purchase rate & balance transfer offer

  • 0% p.a. for 14 months on balance transfers1 (reverts to cash advance rate)
  • Half annual fee for life
  • 10% cash back (capped at $100 total) on spend in the first 3 months from card approval7

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

Annual Fee $64 for your first year, then $129 $64 for your first year, then $129 $64 for the first year, then $129 $289 $0 $49
Balance Transfer Rate1 0% p.a. for up to 22 months on balance transfers1 with a 1% balance transfer fee (reverts to cash advance rate). No interest free days apply while you have a balance transfer. 0% p.a. for 6 months1 (Reverts to cash advance rate. No interest free days apply to retail purchases while you have a balance transfer) 0% p.a. for 18 months on balance transfers1 (Reverts to cash advance rate. No interest free days apply to retail purchases while you have a balance transfer) 0% p.a. for 15 months1 (Reverts to cash advance rate. No interest free days apply to retail purchases while you have a balance transfer) 6.9% p.a. for 36 months on balance transfers1 (Reverts to cash advance rate. No interest free days apply to retail purchases while you have a balance transfer) 0% p.a. for 14 months on balance transfers1 (Reverts to cash advance rate. No interest free days apply to retail purchases while you have a balance transfer)
Interest Free Days8 Up to 448
unless you have a balance transfer. The Interest Free Period will increase to up to 55 days for any Virgin Money Low Rate, Virgin Money No Annual Fee and Virgin Australia Velocity Flyer Credit Card Statements issued on or after 1 November 2019.
Up to 448
unless you have a balance transfer. The Interest Free Period will increase to up to 55 days for any Virgin Money Low Rate, Virgin Money No Annual Fee and Virgin Australia Velocity Flyer Credit Card Statements issued on or after 1 November 2019.
Up to 448
unless you have a balance transfer. The Interest Free Period will increase to up to 55 days for any Virgin Money Low Rate, Virgin Money No Annual Fee and Virgin Australia Velocity Flyer Credit Card Statements issued on or after 1 November 2019.
Up to 448
unless you have a balance transfer
Up to 448
unless you have a balance transfer. The Interest Free Period will increase to up to 55 days for any Virgin Money Low Rate, Virgin Money No Annual Fee and Virgin Australia Velocity Flyer Credit Card Statements issued on or after 1 November 2019.
Up to 448
unless you have a balance transfer. The Interest Free Period will increase to up to 55 days for any Virgin Money Low Rate, Virgin Money No Annual Fee and Virgin Australia Velocity Flyer Credit Card Statements issued on or after 1 November 2019.
Purchase Rate 20.74% p.a. 0% p.a. for up to 14 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 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter.

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.

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.

Earn 1 Velocity Point per $1 spent on Eligible Transactions up to $8,000 each statement period, 0.5 Points per $1 spent thereafter.
Bonus Points Earn 3 additional bonus Velocity Points per $1 on your everyday spend5 in the first 3 months (capped at 10,000 Points per month) Earn up to 70,000 bonus Velocity Points. Receive 20,000 Points for each month you spend $1,500 or more on Eligible Transactions in the first 3 months from card approval (capped at 60,000 Points) and 10,000 Points after your first anniversary16 Earn up to 100,000 bonus Velocity Points. Receive 25,000 Points for each month you spend $3,000 or more on Eligible Transactions in the first 3 months from card approval (capped at 75,000 Points) and 25,000 Points after your first anniversary20
Flight Benefit $129 Virgin Australia Gift Voucher, each year17 $129 Virgin Australia Gift Voucher, each year17 $129 Virgin Australia Gift Voucher, each year17 $129 Virgin Australia Gift Voucher, each year17 and 2 complimentary Single Entry Lounge passes each year33
Minimum Credit Limit $6,000 $6,000 $6,000 $15,000 $2,000 $6,000
Minimum Income $35,000 $35,000 $35,000 $75,000 $25,000 $35,000
Visa Privileges15 Visa Platinum Visa Platinum Visa Platinum Visa Signature

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

APPLY NOW

MORE INFO

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

    Calculate your balance transfer savings

    Calculate now

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

    Find out about our credit card Rewards & Benefits

    Find out more

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 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date.

Please note this is in addition to any International Transaction Fee that may be payable.

International Transaction Fee

We charge you an International Transaction Fee of 3.3%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1% 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 or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants).  The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

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

Dishonour Fee $15 each time a cheque or Direct Debit payment is dishonoured
Late Payment Fee $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.
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
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.

Important Note for No Annual Fee and Low Rate Customers regarding Paper Statements issued on or from 1 November 2019: 

For 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.

Avoid this fee by opting in to receive electronic communications (eStatements) which are sent directly to the email address on your Account. To enrol, log on to your Virgin Money Online account and select ‘My Profile’ from the Services tab.

Anytime, anywhere

Take charge of your Virgin Money credit card wherever you are, with the Virgin Money app. Check your balance, credit card statement information including minimum payment and due date, and pay bills, all on the go.

FIND OUT MORE