Help me choose a Virgin Money credit card

Answer the three questions below and we'll help you find a Virgin Money credit card.

Upcoming Changes

  • We’re updating our Terms and Conditions effective 24 November 2025 and making important changes to your Virgin Money Credit Card. Learn more about the changes at virginmoney.com.au/credit-card-changes.

    Virgin Money Credit Card applications (new or saved) must be submitted before 26 October otherwise any incomplete applications will be cancelled. New applications will be temporarily unavailable between 26 October 2025 and December 2025. Please review the updated Terms and Conditions before applying.

 

  • Access to Virgin Money Online Internet Banking will no longer be available from 7:30PM AEDT Friday 21 November 2025, due to a system change. The new Virgin Money Internet Banking will be available to register from 4:00AM AEDT Monday 24 November 2025. Learn more

 

1/3
How do you expect to pay each month?
Minimum repayments only

Minimum
repayments only

Depends on the month

Depends on
the month

Full balance each month

Full balance
each month

2/3
What is your annual income?

Income per year

$ 75K

$25K $150K+
3/3
What feature best suits your needs?
Low rate

Low rate

No annual fee

No annual fee

Rewards

Rewards

Search again

Best match:

Annual fee $129

Turn your eligible10 everyday spend into Velocity Points to help you get travelling sooner.

Velocity Flyer Card

Perks:

  • Earn Velocity Points on your eligible10 everyday spend
  • $129 Virgin Australia Gift Voucher, yearly17
  • Save on interest if you take up a Balance Transfer

For existing customers, contact us on 13 37 39 if you would like to change your current credit card product (subject to approval). Please note any offers are for new Virgin Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers.

Best match:

Annual fee $129

Enjoy supercharged bonus Velocity Points and exclusive flight benefits.

Velocity High Flyer Card

Perks:

  • Earn Velocity Points on your eligible10 everyday spend
  • $129 Virgin Australia Gift Voucher, yearly17
  • Earn up to 100 Bonus Status Credits5

For existing customers, contact us on 13 37 39 if you would like to change your current credit card product (subject to approval). Please note any offers are for new Virgin Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers.

Best match:

Annual fee $129

Enjoy all the advantages of having a credit card, without having to pay an annual fee.

No Annual Fee Card

Perks:

  • Purchase rate of 19.99% p.a.
  • Minimum credit limit of $2,000

For existing customers, contact us on 13 37 39 if you would like to change your current credit card product (subject to approval). Please note any offers are for new Virgin Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers.

Best match:

Annual fee $129

Enjoy a low variable purchase rate of 12.99% p.a.

Low Rate Card

Perks:

  • Low variable purchase rate of 12.99% p.a.
  • $99 annual fee
  • Minimum credit limit of $2,000

For existing customers, contact us on 13 37 39 if you would like to change your current credit card product (subject to approval). Please note any offers are for new Virgin Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers.

Also consider:

Enjoy rewards, perks, points and more with our Virgin Money Points earning credit card.

Anytime Rewards Card

Perks:

  • Earn Virgin Money Points on your everyday spend (uncapped)29
  • Redeem points for rewards via the Virgin Money App
  • Save on interest if you take up a Balance Transfer

For existing customers, contact us on 13 37 39 if you would like to change your current credit card product (subject to approval). Please note any offers are for new Virgin Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers.