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Velocity Points Calculator

Credit card Velocity reward points

Virgin Money Credit Cards

While your adventures maybe closer to home these days, you can build your Velocity Points balance to fly on Virgin Australia’s network of destinations across Australia. Or turn your Points into gift vouchers, online shopping, wine for a cosy night in and more.

Assumptions: Velocity Points calculations for credit card spend are based on retail spend only and do not include additional Points that you could earn if you spend with Virgin Australia; stated monthly credit card spend remains constant over the stated period; our Velocity Points earn rates for the above products do not change over the term. The Velocity Calculator does not display any additional bonus Velocity Points you may be eligible for if you take out a Virgin Australia Velocity credit card and meet any associated offer conditions.

Fees, charges, and credit criteria apply. New cards customers only and cannot be used in conjunction with any other offers. See our full terms and conditions here. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

All interest rates shown are variable. This information is correct at 14 March 2025. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card, Virgin Australia Velocity Flyer Card and Virgin Money Anytime Rewards Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria.

All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money.

Please note that to read our PDF forms, you will need to have Adobe Reader installed on your computer.

Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Virgin Money Credit Cards ("Credit Cards"). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

To obtain a copy of the Target Market Determination (TMD) related to this product.

Things you need to know
1. Offer commenced 14 May 2025. Your total Balance Transfers may not exceed 80% of your credit limit. The Balance Transfer interest rate applies to balances transferred with this offer for the period shown, from the date the Balance Transfer is processed, and the balance transfer fee (if applicable). At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Money Anytime Rewards Card, Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Please note that unless advertised otherwise, you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable ongoing purchase rate. If we approve your credit card application, the Balance Transfer offer will be available for 3 months from the date your application is approved. Both Velocity Points and Virgin Money Points are not issued on balance transfers. Offer may be varied or withdrawn at any time. If a balance transfer fee applies the fee will be debited from your account on the day or the day after your balance transfer is processed. View more information about Balance Transfers.
2. Purchase Rate offer: Offer commenced 5 March 2024. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024.Offer may be varied or withdrawn at any time. The promotional rate of 0% p.a. applies to retail purchases for the promotional period advertised from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 19.99% p.a. on the Virgin Money No Annual Fee Card will apply to any outstanding retail purchases and any new retail purchases. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information.
3. The example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. The promotional period is the period of the balance transfer offer shown. The rate, balance, interest and potential savings calculations in the table above are examples only. The estimate savings amount is based on a $7,000 balance transfer at an interest rate of 20% p.a. when compared to the balance transfer offer shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate.
4. You can earn Bonus Points through offers from selected partners when you shop online at participating retailers through the Partner Offers in the Rewards Hub or make a settled debit card purchase with selected merchants described in the Partner Offers in the Rewards Hub. Online Only Offers are facilitated by Ascenda and are subject to Ascenda’s additional Ascenda Terms and Conditions. Individual offers may also be subject to relevant merchants’ terms and conditions.
5. The Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit is a Special Feature available to Primary Cardholders only. An additional 20% Bonus Status Credits will be awarded when you fly on an Eligible Virgin Australia Flight and meet eligibility criteria being: a) a flight purchased using your Virgin Australia Velocity High Flyer Card directly with Virgin Australia (via Virgin Australia website, Virgin Australia Call Centre or Virgin Australia App); b) the Virgin Australia flight is eligible to earn Status Credits; c) your Velocity membership number was provided against the booking at the time of purchase or before your date of travel; d) at the time of booking, purchasing and taking the flight, your credit card account must be open and in good standing. The amount of Bonus Status Credits is capped at 100 Bonus Status Credits each credit card anniversary year. Status Credit earn is subject to the fare type and distance travelled. We will allocate Bonus Status Credits within 60 days of the allocation of your base Status Credits to your Velocity Program account. See Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms & Conditions for full details and definitions.
6. Complimentary insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Virgin Money Australia (VMA) branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to the Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
7. Complimentary international travel insurance is limited to the primary cardholder only.
8. Unless advertised otherwise, the interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.
9. Withdrawal limits, fees and charges may apply.
10. Velocity membership Terms and Conditions, apply. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition
11. Annual Additional cardholder fees may apply unless otherwise specified under the promotion. Primary cardholders are responsible for additional cardholder transactions and payments.
12. Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. For more details and terms and conditions click here.
13. Offer commenced 4 September 2024. 80,000 bonus Virgin Money Points will be awarded to new and approved Virgin Money Anytime Rewards Credit Card account holders when $3,000 or more is spent on eligible purchases within 3 months from account approval. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Virgin Money Account up to 2 months after the qualifying purchases. Offer may be varied or withdrawn at any time. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
14. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit www.concierge-asia.visa.com for details.
15. A valid Visa Platinum card must be used to make a purchase. Offers are subject to terms and conditions of the participating merchants providing the offers. Participating merchants are solely responsible for offer redemption and fulfilment, Visa does not provide any of the goods and services relating to the offers, nor make any representations or warranties in respect of the offers or such goods and services. Visa may modify or remove any of the merchants and/or their offers at any time without prior notice. Information about the offers is correct at the time of publication. You may wish to check with the participating merchant immediately before utilising an offer.
16. Offer commenced 1 July 2025. Up to 70,000 bonus Velocity Points offer is available to new and approved Virgin Australia Velocity Flyer Card account holders.
  25,000 bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 2 months from account approval. The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 2 months after the qualifying purchases.
  An additional 20,000 Velocity Points will be credited within 3 months of your anniversary when you keep your card open for over 12 months, provided it has been activated by you.
  To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). Velocity membership, Status Credits earn and Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time. This offer is not applicable or valid in conjunction with any other advertised or promotional offer.
17. The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of use for full details.
18. Offer commenced 3 February 2025. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, from the date the balance transfer is processed, and the balance transfer fee (if applicable). At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Money Anytime Rewards Card, Virgin Australia Velocity Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Please note, you will be charged interest on retail purchases while you have a balance transfer. If we approve your credit card application, the Balance Transfer offer will be available for up to 3 months from the date your application is approved. Both Velocity Points and Virgin Money Points are not issued on balance transfers. Offer may be varied or withdrawn at any time. Offer commenced 3 February 2025. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, from the date the balance transfer is processed, and the balance transfer fee (if applicable). At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Money Anytime Rewards Card, Virgin Australia Velocity Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Please note, you will be charged interest on retail purchases while you have a balance transfer. If we approve your credit card application, the Balance Transfer offer will be available for up to 3 months from the date your application is approved. Both Velocity Points and Virgin Money Points are not issued on balance transfers. Offer may be varied or withdrawn at any time. If a balance transfer fee applies, the fee will be debited from your account on the day or the day after your balance transfer is processed. View more information about balance transfers.
19. Gift Cards or Vouchers are administered by Ascenda Australia Pty Ltd and are subject to the Ascenda Terms and Conditions. Requested Gift Cards are subject to separate terms and conditions made available at the time of requesting the Gift Card. Once points have been redeemed for a Gift Card, the Gift Card cannot be returned. Expiry dates will apply.
20. Offer commenced 1 July 2025. Up to 100,000 bonus Velocity Points offer is available to newly approved Virgin Australia Velocity High Flyer Card account holders.
  40,000 bonus Velocity Points will be awarded each month $3,500 or more is spent on eligible purchases for first 2 months from card approval (spend period). The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholder's Velocity account up to 2 months after the qualifying purchases.
  An additional 20,000 Velocity Points will be credited within 3 months of your anniversary when you keep your card open for over 12 months, provided it has been activated by you.
  To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). Velocity membership, Status Credits earn and Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time. This offer is not applicable or valid in conjunction with any other advertised or promotional offer.
21. Hotel bookings made through the Virgin Money Rewards Program are operated by Ascenda Australia Pty Ltd and subject to Ascenda’s additional Booking and Travel Terms. Individual hotel bookings may be subject to further terms and conditions stipulated by Ascenda’s travel partners. These additional terms will be made available to you by Ascenda at the time the relevant booking is made. Points earned from making a Hotel Booking will be credited to your account within 24 hours after the completion of your hotel stay.
22. Virgin Money Rewards is the Virgin Money Rewards Program referred to in the Credit Card Rewards Program for Virgin Money Anytime Rewards Terms and Conditions (Credit Card Rewards T&Cs). All rewards are subject to the Credit Card Rewards T&Cs. For further information on program participation, see Virgin Money Rewards Terms and Conditions.
23. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Your Fixed Payment Option amount uses part of your existing credit limit. As you pay off your Fixed Payment Option amount, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. If you fail to pay the Monthly Instalment by the Payment Due Date that Monthly Instalment will be charged interest at the retail purchase rate from the Payment Due Date. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate applicable (the retail purchases rate is applicable for transaction instalment plans and statement instalment plans and the cash advance rate is applicable for cash instalment plans). For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.
24. The quoted redemption fares are correct as at 16 January 2020 and are subject to change. Fares are subject to availability, and seats are limited and may not be available at peak times or on all flights. Price is based on a one way economy or return Reward Seat fare or business Reward seat fare as specified, and must be booked on the Velocity website. Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. Price may vary until ticketed. All payments made on the internet or on the phone via debit/credit card are subject to a payment surcharge between 0.6% to 1.3% of the total value of the card transaction (capped at $40 for domestic and $70 for international, per passenger per booking). For Rewards Seat bookings on Etihad Airways operated flights, an Etihad Airways Carrier Charge will apply, view more information here. You may also be entitled to a refund under the Australian Consumer Law in certain circumstances. Add $40 or 5,200 Points for domestic and international short haul bookings or $70 or 8,800 Points for international long haul booking per person for bookings made on the phone. A checked baggage allowance is included in your fare, view Reward Seat Baggage Allowances for details. Name changes are not permitted. Other changes, refunds and cancellation are permitted prior to travel and may incur a fee and any applicable fare difference. View the Velocity Rewards Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.
25. Offer commenced 12 September 2024. The bonus Velocity Points offer is available for new and approved Virgin Australia Velocity High Flyer and Flyer credit card customers. For High Flyer: up to 40,000 bonus Velocity points offer: 20,000 bonus Velocity points will be awarded for every month $3,500 or more is spent on eligible purchases for the first 2 months from account approval (spend period). For Flyer up to 20,000 bonus Velocity points offer: 10,000 bonus Velocity points will be awarded for each month $1,500 or more is spend on eligible purchases for the first 2 months from account approval (spend period). The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 2 months after the qualifying purchases. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
26. Offer commenced 4 September 2024. $50 cash back is available for new and approved Virgin Money Low Rate and No Annual Fee credit card customers who spend $1,500 or more on eligible purchases in the first 3 months of account approval date (spend period). Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. The cash back of $50 will be credited to the Primary Cardholder’s account up to 10 weeks after the end of the 3 month qualifying period. The cash back credit will be applied once per account and does not contribute to your monthly minimum repayment. Offer may be varied or withdrawn at any time and is non-transferrable and can’t be used in conjunction with any other promotions or offers. Please note that if you have a balance transfer, you will be charged interest on any spend that you make.
27. Earn 1 Virgin Money Point for every $1 spent on Eligible Transactions. There is no limit to the amount of points you can earn. Points will be transferred to your Virgin Money Rewards account within 15 Business Days after an Eligible Transaction has been processed by us. To earn and redeem Virgin Money Points, you must hold a Virgin Money Anytime Rewards Credit Card and add your credit card to your account profile in the Virgin Money app. Points earn and redemption are subject to the Virgin Money Rewards Terms and Conditions and the Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions for full details and definitions.
28. Pay with Virgin Money Points is available on select purchases to allow you to pay for your purchase with Virgin Money Points. Pay with Virgin Money Points is not available to additional cardholders of Virgin Money Credit Cards. The purchases available for Pay with Virgin Money Points are Eligible Transactions and BPAY transactions on your Virgin Money Credit Card made in the last 3 months. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi Accounts, bank fees and charges such as interest and ATM charges, transactions made using Virgin Money Rewards Points and government related transactions. Government related transactions include transactions with government or semi-government entities or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). You must have sufficient points to be able to redeem the total value of the purchase through Pay with Points. If you redeem your points with Pay with Points we will credit a cash amount equal to the selected transaction into your Credit Card. Once we credit the amount you cannot reverse the redemption. Pay with Points will reduce the outstanding balance of your account but won't count towards your next monthly repayment obligation. You must still pay the minimum payment on your monthly card statement. Any credit to your credit card account is non-refundable.
29. You may redeem your Virgin Money Points for a cash amount in AUD to be credited. Once funds have been credited to your Account they cannot be reversed to Virgin Money Points. The amount of Virgin Money Points required for a specific cashback amount is set out on the Rewards Hub, may vary from time to time and is subject to any minimum redemption amount specified.
30. The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Virgin Australia Lounge Pass Benefit Terms & Conditions for full details. Get the latest information on Virgin Australia lounge access. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and as amended from time to time.
31. You can redeem your Virgin Money Points for a credit amount to your nominated Virgin Money Account. Once funds have been credited to your account they cannot be reversed to points. The amount of Virgin Money Points required for a specific cashback amount is set out in the Rewards Hub, may vary from time to time and is subject to any minimum redemption amount specified.
32. For a list of compatible Apple Pay devices, see support.apple.com/en-us/102896
33. Samsung Pay is only compatible with selected Samsung devices. For full list of compatible devices, please visit www.samsung.com/au/apps/samsungpay/
34. Offer commenced 4 September 2024. Virgin Australia Velocity Flyer Card half annual fee offer is available to new customers. The annual card fee is $74 for the first year, then $149 will be charged on the anniversary of your card account being opened with Virgin Money. Annual fees are subject to change.
35. Offer commenced 4 September 2024. Virgin Australia Velocity Flyer Card no annual fee offer is available to new customers. The annual card fee is $0 for the first year, then $149 will be charged on the anniversary of your card account being opened with Virgin Money. Offer may be varied or withdrawn at any time. Annual fees are subject to change.
36. Google, Android, Google Pay and Google Wallet are trademarks of Google LLC. Terms and Conditions are available here. Google Pay is available on compatible Android mobile devices.
37. The Accelerated Velocity Points Earn Benefit is a Special Feature available to Primary Cardholders only. Earn an additional 1 Velocity Point with your Virgin Australia Velocity Flyer Card, or 2 Velocity Points with your Virgin Australia Velocity High Flyer Card per $1 spent on eligible Virgin Australia Purchases. Virgin Australia Purchase means the purchase of a Virgin Australia flight, product or service via the Virgin Australia website at virginaustralia.com, Virgin Australia App or via the Virgin Australia Contact Centre using your Virgin Australia Velocity Flyer or High Flyer Credit Card. Your Account must be in good standing at the time of the Virgin Australia Purchase. To receive Velocity Points you must supply your Velocity membership Account Information. See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.
38. From time to time we may offer you the ability to earn Bonus Points or other benefits with selected partners. Specific offer terms will be set out individual conditions at the time the offer is made to you.
39. Subject to the terms and conditions of the Virgin Money Rewards program available here.
40. Earn 1 Velocity Point per $1 spent on Eligible Transactions up to $8,000 each statement period, 0.5 Velocity Points per $1 spent on Eligible Transactions per statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Velocity membership Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.
41. Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent on Eligible Transactions per statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Velocity membership Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.
42. Pay with points is available on select purchases to allow you to pay for your purchase with Points. Pay with points is not available to additional cardholders of Virgin Money Credit Cards. The purchases available for pay with points are Eligible Transactions and BPAY transactions on your Virgin Money Credit Card made in the last 3 months. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi Accounts, bank fees and charges such as interest and ATM charges, transactions made using Rewards Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). You must have sufficient points to be able to redeem the total value of the purchase through Paid Pay with points. If you redeem your points with Pay with points we will credit a cash amount equal to the selected transaction into your Credit Card. Once we credit the amount you cannot reverse the redemption. Pay with Points will reduce the outstanding balance of your account but won't count towards your next monthly repayment obligation. You must still pay the minimum payment on your monthly card statement. Any credit to your credit card account is non-refundable.
43. You can redeem your points for a credit amount to your nominated Virgin Money Account. Once funds have been credited to your account they cannot be reversed to points. The amount of Points required for a specific cashback amount is set out in the Rewards Hub, may vary from time to time and is subject to any minimum redemption amount specified.
44. Gift Cards or Vouchers are administered by Ascenda Australia Pty Ltd and are subject to the.Ascenda Terms and Conditions Requested Gift Cards are subject to separate terms and conditions made available at the time of requesting the Gift Card. Once points have been redeemed for a Gift Card, the Gift Card cannot be returned. Expiry dates will apply.
45. Hotel and flight bookings made through the Virgin Money Rewards Program are operated by Ascenda Australia Pty Ltd and subject to Ascenda’s additional Booking and Travel Terms. Individual hotel and/or flight bookings may be subject to further terms and conditions stipulated by Ascenda’s travel partners. These additional terms will be made available to you by Ascenda at the time the relevant booking is made. Points earned from making a hotel booking will be credited to your account within 24 hours after the completion of your hotel stay.
46. A 2% balance transfer fee applies. Your total Balance Transfers may not exceed 80% of your credit limit. The Balance Transfer interest rate applies to balances transferred with this offer for the period shown, from the date the Balance Transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Australia Velocity Flyer Card and Virgin Australia Velocity High Flyer Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Post this advertised date; Virgin Money reserve the right to continue, withdraw or change the offer at any time without notice. Please note that unless advertised otherwise, you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable ongoing purchase rate. Velocity Points are not issued on Balance Transfers. View more information about Balance Transfers.
47. Virgin Money Low Rate Card no annual fee offer is available to new customers only. The annual card fee is $0 for the first 2 years, then $99 will be charged each year thereafter on each subsequent anniversary of your card account being opened with Virgin Money. Other fees and charges are also payable. Offer may be varied or withdrawn at any time. Fees and charges are subject to change.
  
  Credit Card Terms and Conditions and Other Important Information.
48. Menulog: Virgin Money reserves the right to amend or withdraw this offer at any time without notice. Points offer expires midnight 31/05/2024 AEST. To be eligible for points, you must pay using your Virgin Money Visa Debit Card at the checkout. Maximum of 3,000 points earned per calendar month per cardholder. Orders that are cancelled or refunded will not be eligible for points. This offer cannot be used in conjunction with any other offer. Excludes voucher codes, gift cards, cash back and coupon deals. You must click on the Menulog offer within the Virgin Money app and pay with your Virgin Money Visa Debit card at the checkout.
49. The ICONIC: Virgin Money reserves the right to amend or withdraw this offer at any time without notice. A maximum of 6,000 Virgin Money Points can be earned per transaction. Offer expires midnight 30/06/2024 AEST. GST, delivery costs and products that are returned do not contribute to the purchase amount that is eligible for points. This offer cannot be used in conjunction with any other offer. Excludes voucher codes, gift cards, points and coupon deals. This offer is subject to the Virgin Money Rewards Terms and Conditions.
50. OVO Energy: Virgin Money reserves the right to amend or withdraw this offer at any time without notice. Offer expires midnight 31/05/2025 AEST. To be eligible for points you must access the partner site through the link provided in this application and pay using your Virgin Money Visa Debit Card. You will earn your bonus 20,000 points within 15 business days of your first bill cycle payment. From your second bill cycle payment onwards, you will earn 10 Virgin Money Points for every $1 spent once you pay using your Virgin Money Debit Visa Card. Allow up to 5 business days from the date of transaction for the points to be credited to your account. You will earn points for one billing cycle post the termination date if your payment falls within the month before the offer expiry date. If you have set up a direct debit and your payment period falls after this period, you will no longer earn points.
  
  You are unable to claim the 20,000 bonus points offer if you are an existing OVO Energy customer, however you can still access the ongoing points offer simply by updating your billing details directly with OVO Energy. Applications are subject to credit clearance and the availability of service in your area. This offer cannot be used in conjunction with any other offer. Excludes voucher codes, gift cards, cashback and coupon deals. This offer is subject to the Virgin Money Rewards Terms and Conditions.
51. A reduced annual fee of $74 will apply while you hold an eligible Virgin Money product. Eligible Virgin Money products are Virgin Money Go Accounts and Virgin Money Go and Boost Saver bundles. The standard annual fee, currently $149, will be charged when you stop holding an eligible Virgin Money product. All applications must meet eligibility criteria on all products to qualify including NAB’s standard credit assessment criteria. This offer can’t be used in conjunction with other Virgin Money Anytime Rewards credit card promotion or offers. Offer is not available to existing Virgin Money Credit Card holders.
52. Offer commenced 14 May 2025. 40,000 bonus Virgin Money Points will be awarded to new and approved Virgin Money Anytime Rewards Credit Card account holders when $3,000 or more is spent on eligible purchases within 3 months from account approval. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Virgin Money Account up to 2 months after the qualifying purchases. Offer may be varied or withdrawn at any time. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). 'The estimated gift card value is based on current redemption rates as at 14 May 2025 and is subject to change
53. Half annual fee while you are a BOQ Group employee. The current annual fee is $329 for the Virgin Australia Velocity High Flyer Card, $149 for the Virgin Australia Velocity Flyer Card and $149 for the Anytime Rewards Card. Annual fees are subject to change.

VELOCITY POINTS CALCULATOR