If you love to travel, the Virgin Australia Velocity High Flyer Card is for you. Earn Velocity Points on your everyday spend, plus enjoy exclusive flight benefits and a range of complimentary insurances. It’s a seriously rewarding credit card.

Virgin Money Credit Cards - Velocity High Flyer Card: Bonus Points offer

80,000 Bonus Points offer

  • Earn up to 80,000 bonus Velocity Points20
  • 0% p.a. for 15 months on balance transfers1 (reverts to cash advance rate)

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Get 16,000 bonus Points for every month $3,000 or more is spent in the first 5 months from card approval. Up to a total of 80,000 Velocity Points.

Rates, annual fee & limits

Annual fee $289
Additional card fee $89
Purchase rate 20.74% p.a.
Interest free days on purchases8 Up to 448
Cash advance rate 20.99% p.a. Balance transfer rate at end of offer period Reverts to cash advance rate
Minimum credit limit $15,000 Minimum income required $75,000

Fees common across all our credit cards listed further down this page

Card features and benefits

Velocity Points Earn

Turn your everyday credit card spend10 into flights, accommodation and more.

Calculate Points     Learn more

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
 

Exclusive Flight Benefit

Enjoy an exclusive $129 Virgin Australia Gift Voucher17 each year. To unlock your benefit, simply make a retail purchase in the 2 months prior to requesting your voucher.

How the flight benefit works

International Travel Insurance6

When you travel, it helps to take some peace of mind with you. Simply pay for you and your family’s overseas flights with your Virgin Australia Velocity High Flyer card and you’ll receive international travel insurance for you, your spouse and any dependent children provided they travel with you. Cover includes medical expenses for illness or injury, loss or theft of personal items, legal liability and more as outlined in the Complimentary Insurance Terms and Conditions.

Extended Warranty Insurance6

The manufacturer’s warranty period is generally doubled, for up to 12 months, when you purchase personal goods with your Virgin Australia Velocity High Flyer Card, as outlined in the Complimentary Insurance Terms and Conditions.

Purchase Cover6

Receive 90 days free insurance against loss, theft or accidental damage on a wide range of new personal goods purchased anywhere in the world using your Virgin Australia Velocity High Flyer Card as outlined in the Complimentary Insurance Terms and Conditions.

Fraudshield®

Rest assured that we're on the case, to keep your card safe around the clock with Fraudshield®. As long as you keep your contact details up to date, we'll contact you if we detect any irregular transactions on your account. Our cards also come with Visa's Zero Liability policy12, ensuring you won't be held liable for fraudulent transactions made with your card. 

Visa payWave

For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient9.

Personal Concierge

Take advantage of round-the-clock access to the Visa Platinum Concierge Service14. 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.

Transit Accident Insurance6

Purchase your overseas travel tickets with your Virgin Australia Velocity Flyer or High Flyer card and if you sustain an injury while riding as a passenger whilst outside Australia, you may receive up to $250,000, as outlined in the Complimentary Insurance Terms and Conditions.

Guaranteed Pricing Scheme6

If you make a purchase with your Flyer or High Flyer card and then see the same product advertised at a lower price in a catalogue from a store within 25kms of the store from where the covered products were purchased, you can claim the difference within 60 days if the price difference is greater than $75, up to $500 and the product hasn't been purchased online, as outlined in the Complimentary Insurance Terms and Conditions. Conditions apply.

Visa Signature Benefits

Gain access to unique Visa privileges such as a range of great reduced holiday offers on hotels and resorts around the globe & up to 30% discount on green fees at some of the most prestigious golf clubs around the world. With Visa Platinum Benefits you'll also get exclusive access to pre-sale tickets to some of the most sought-after events in Australia.

Learn more

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Virgin Money Credit Cards - Calculate your Velocity Points

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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.