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, 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 6 March 2019. This offer is valid until 30 April 2019. 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.
0% p.a. on purchases for new Virgin Australia Velocity Flyer Credit Card customers only for the period shown above from the date your account is approved. At the end of the promotional period any outstanding purchase balance in addition to new purchases after that date will attract the ongoing purchase rate for retail purchases, currently 20.74% p.a. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. Interest rates are variable and subject to change. The interest rates are current as at 6 March 2019. This offer is valid until 30 April 2019.
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.
The 10% discount applies to the premium for Virgin Money Travel Insurance policies only purchased with a Virgin Money Credit Card. Offer is subject to change or removal at the discretion of Virgin Money without notice and can’t be used in conjunction with any other Virgin Money Travel Insurance offer or discount.
This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don’t know your financial needs we can’t advise if our products will suit you. Terms, conditions, limits and exclusions apply. Please consider the relevant Product Disclosure Statement and/or Terms and Conditions available at virginmoney.com.au before making a decision about the product.
Insurances: Virgin Car Insurance, Virgin Home and Contents Insurance, Virgin Travel Insurance, Virgin Income Protection and Virgin Life Insurance are promoted by Virgin Money (Australia) Pty Limited (“Virgin Money”) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Travel: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Worldwide Partners issues and manages Virgin Travel Insurance on behalf of the insurer, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. If you purchase a travel insurance policy, Virgin Money receives a commission which is a percentage of your premium – ask us for more details before we provide you with any services on this product. Income Protection Insurance and Life Insurance: is distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. All other benefits insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848.
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Offer applies to new approved Virgin Australia Velocity Flyer Card customers who apply by 30 April 2019 under the 0% p.a. for 18 months on balance transfer offer. Earn 3 bonus Velocity Points on top of your standard earn rate for each eligible $1 spent per month in the first 3 months from card approval. Points earn capped at 10,000 per month for the first 3 months, after which time standard earn rates apply for remainder of the month. Standard earn rate applies after promotional period. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Please note that if have a balance transfer, you will be charged interest on any spend that you make. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions as amended from time to time.
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Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of 74 High Street, Toowong QLD 4066 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Extended warranty insurance does not affect the rights of cardholders against a manufacturer in relation to contravention of statutory or implied warranties under Australian legislation. Citi does not guarantee this insurance.
10% cash back is available for new approved Virgin Money Low Rate credit card customers who apply by 30 April 2019 and spend on Eligible Transactions for the first 3 months of card approval date. 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). The cash back is capped at a total of $100 and will be credited to the primary card holder’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. This offer is subject to change without notice at the discretion of Virgin Money, 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.
Unless advertised otherwise, the 44 days 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.
Withdrawal limits, fees and charges may apply.
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To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, 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 Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.
Additional cardholder fees may apply unless otherwise specified under the promotion. Primary cardholders are responsible for additional cardholder transactions and payments.
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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, terms and conditions see www.visa.com.au.
Virgin Australia Velocity Flyer Card Virgin Mobile offer – Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of new card application, 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. Velocity Points are not issued on balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 6 March 2019. This offer is valid until to 31 October 2019. 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.
Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.
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.
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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. 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, your account is active and in good order 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.
Ongoing $50 Annual Fee for life of the product offer is available for new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April 2019. This offer is subject to change at the discretion of Virgin Money, is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).
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20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April 2019. 20,000 bonus Velocity Points will be awarded when $3,000 or more is spent on Eligible Transactions within the first 3 months from card approval. 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 Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. 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 and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. 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).
TBC
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90,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 April 2019. 30,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 3 months from card approval. 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 Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. 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 or by calling 1300 771 634 and indicating that you would like the High Flyer Card 90,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. 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 and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. 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).
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The quoted redemption fares are correct as at 22 May 2018 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.
$50 Annual Fee for life offer is available for new approved Virgin Australia Velocity Flyer Card account holders who apply by 31 October 2019. Offer is only available to existing Virgin Mobile Postpaid Mobile and Postpaid Mobile Broadband customers (excludes Prepaid Mobile and Prepaid Mobile Broadband customers). Account details (including account name and mobile number) must be the same as your Virgin Mobile details when applying for this offer. You must be a primary account holder with Virgin Mobile. This offer is subject to change at the discretion of Virgin Money, is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades).
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60,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April 2019. 20,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on Eligible Transactions for 3 months from card approval. 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 Rewards Program for High Flyer and Flyer Terms and Conditions for full details and definition. 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 or by calling 1300 771 634 and indicating that you would like the Flyer Card 60,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. 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 and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other Virgin Flyer Card promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).
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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.
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20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 April 2019. Make an Eligible Transaction within 3 months of card approval date and earn 10,000 bonus Points. Plus, you can earn a further 10,000 bonus Velocity Points if you spend $10,000 on Eligible Transactions within 3 months of card approval date. 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 Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. 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 by calling our Home Loan Team on 13 81 51 and the applicant must be a Virgin Money Reward Me Home Loan customer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. 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).
