Our highest Virgin Money Points earning credit card

Earn 1 Virgin Money Point for every $1 of eligible everyday spend29, with no limit on the points you can rack up.

Earn loads of Bonus Points4 and other epic benefits

Check out our latest Bonus Points offer below, and points earning partner offers from brands like The ICONIC, Menulog and more.

Redeem points in the Virgin Money app for what matters most to you

Like cash back, gift cards, transfers to Velocity Frequent Flyer and partner hotels. Or even use your points to pay for recent purchases.


Latest offers

80,000 Virgin Money Points offer. Bonus!

Take out the Virgin Money Anytime Rewards Credit Card and be rewarded with 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in your first 3 months from card approval.13

There’s more. With this offer you also get:

  • Earn 1 Virgin Money Point for every $1 you spend on the card, with no limit to the points you can rack up.29
  • 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 additional cardholder fee.

Apply now

  • Card details
    Annual Fee $149
    Balance Transfer Rate1 0% p.a. for 12 months. 
    Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
    Interest Free Days8 Up to 55 days on retail purchases.
    You will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 19.99% p.a.
    Cash Advance Rate 20.99% p.a.
    Points Earn29 1 Virgin Money Point per $1 spent on Eligible Transactions, uncapped.
    Bonus Points Receive 80,000 bonus Virgin Money Points13 when you spend $3,000 or more on eligible purchases in your first 3 months from card approval. 
    Visa Privileges15 Visa Platinum
    Minimum Credit Limit $6,000
    Minimum Income $35,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

More about Virgin Money Credit Cards

Virgin Money app

The Virgin Money app keeps you in the know, with a spend tracker, alerts and clever insights into your credit card spend – and more.

Digital wallet

Use your phone or wearable to pay from your credit card account, with Apple Pay36, Samsung Pay37 or Google Pay.40

Personal Concierge

Take advantage of round-the-clock access to the Visa Platinum Concierge Service.14 It's the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world.

Visa payWave

Pay for anything from coffee to a set of monogrammed bath towels with a simple wave of your Virgin Money Credit Card anywhere with a Visa payWave sensor.9


Your card is safe with Fraudshield®. If there are any unusual transactions on your account, we’ll reach out. And you won't be liable for fraudulent transactions made with your card.12

Visa Platinum Benefits

Enjoy first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment. Go to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.

Learn more

balance transfer

So... how do balance transfers actually work?

Do you have a balance on a credit card or loan from another bank, and you’re being charged interest on it? You might choose to transfer that balance to take advantage of a 0% interest rate offer elsewhere. That means you won’t pay any interest on the balance you transferred for a certain amount of time.

Keep in mind that it’s only the balance you transferred that has no interest fees – anything else you buy with your new credit card is subject to the interest rate of the card you’ve chosen. 

And a hot tip: pay off the balance you transferred before the end of the 0% period to avoid a Cash Advance interest rate.

More about balance transfers

Want to know more?

credit card rewards and benefits

Card rewards and benefits

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

Learn more

balance transfer

All about a balance transfer

How a balance transfer can help manage credit card repayments.

Learn more

using your credit card

How to use your card

Everything you need to know to set up and use your Virgin Money Credit Card. Sorted.

Learn more

balance transfer calculator

Balance transfer calculator

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

Learn more


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  • How do I link my credit card to the Virgin Money app?

    Download the Virgin Money app from the App Store or Google Play Store, open the app, select the ‘Existing customer, this way’ option, enter your mobile number then complete the steps to add your credit card details.

    If you're an existing Virgin Money Go Transaction account and/or Virgin Money Boost Saver or Grow Saver account customer, you can go to the account screen, select the + sign, select credit card and follow the steps.

    Download the Virgin Money app

  • 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 be able to earn Bonus Points through a huge range of partner offers and booking hotels through the Virgin Money Rewards Hub. Not to mention, you’ll get access to other epic perks and experiences along the way.

    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. 

    Debit Card and Anytime Rewards Credit Card customers will earn points on settled purchases (not pending), BPAY payments and direct debits from your Virgin Money Go Account and cash outs from a merchant's point of sales terminal.

  • How do I earn Virgin Money Points?

    Once your Anytime Rewards Credit Card is registered on the Virgin Money app, you’ll be enrolled in Virgin Money Rewards, and you’ll automatically earn points. You can earn 1 Virgin Money Point for every $1 spent on Eligible Transactions29, with no limit to the number of points you can earn. 

  • What can I redeem my Virgin Money Points for?

    Your Virgin Money Points can easily be redeemed via the Virgin Money app. Choose gift cards from a range of our partners, swap your points for cash back, transfer them to Velocity Frequent Flyer Points (part of Virgin Australia’s Velocity Frequent Flyer program), share them with a joint account holder or use your points to credit the amount of a recent purchase.

  • Can I get cash back with the credit card?

    Yes, you can swap your points for cash back onto the primary cardholder’s Anytime Rewards Credit Card, or one of your linked savings accounts. 

  • What does cash back on a credit card mean?

    With the Anytime Rewards Credit Card, you can redeem the points you’ve earned for cash back, and the value of those points will be returned to your account in cash. 

  • How do I know how many Virgin Money points I have to redeem?

    You can easily check your Virgin Money points balance to see how many points you can redeem. Just go to the Rewards Hub in the Virgin Money app. 

  • Are credit card rewards worth it?

    If using a credit card is a convenient way to manage regular spending, you can take advantage of earning rewards on things you already buy.

    Cards like the Anytime Rewards Credit Card offer Virgin Money Points on eligible transactions, which can be redeemed on rewards like cash back, gift cards or to pay for purchases you’ve already made.  

    As with any credit card, make sure you know the annual fee and interest rate, and pay your credit card bill in full every month to avoid paying interest on your purchases.  

  • How do credit card rewards work?

    When you pay for purchases on a credit card that earns rewards, you earn ‘points’ for your spending. With the Anytime Rewards Credit Card, you earn Virgin Money Points, and these can be redeemed for rewards available in our Virgin Money Rewards program, which include cash back, gift cards and more.  

    Some cards have a limit on how many points you can earn on purchases. The Anytime Rewards Credit Card has no limit on the points you can earn.