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. for the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card, Virgin Money No Annual Fee Card and 21.69% p.a. for the Virgin Money Low Rate Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 1 August 2017. This offer is valid from 1 August 2017 to 31 October 2017. For the Virgin Money No Annual Fee Card balance transfer offer a 3% balance transfer fee applies. The balance transfer fee is charged once only and is added to your balance transfer amount at the time we process your request.
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 Purchase amounts revert to the retail purchase rate, 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 1 August 2017. This offer is valid for applications submitted from 1 August 2017 to 31 October 2017.
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. The respective balance transfer fees (3% for the Virgin Money No Annual Fee Card) have been applied to the savings amount shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate.
3% BT fee refund is available for new approved customers only who apply by 31 October 2017 and spend a minimum of $2,000 on eligible purchases on the card within 3 months of card approval date. Eligible purchases means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, and transactions made in operating a business. The refund will be credited to the primary card holder’s account within 8 to 10 weeks after the qualifying purchases are made. The fee will only be refunded once per account and is not available to existing customers. 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 other promotions or offers.
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Offer applies to new approved Virgin Australia Velocity Flyer Card customers who apply by 31 October 2017 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 Point promotions or offers. 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, available at velocityfrequentflyer.com, as amended from time to time.
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For claims lodged on or after 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a Group Policy issued to Citigroup Pty Limited by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177) on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850) and is subject to Terms, Conditions, exclusions. Limits and excess may apply. Full Terms and Conditions are available here. For claims lodged prior to 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions. Limits and excess may apply. Full Terms and Conditions are available here.
If you do not pay your account in full by the due date and you carry a balance on your credit card from month to month the 44 days interest free period does not apply. If you then make a purchase you are charged interest. You will then need to pay your balance off in full for 2 consecutive months for the maximum 44 days interest free period to take effect. No interest free period is available on Cash Advances or Balance Transfers.
Cash 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, available at www.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). For full details see definition Changes to your Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions - effective 15 June 2017
Additional cardholder fees may apply unless otherwise specified under the promotion. Primary cardholders are responsible for additional cardholder transactions and payments.
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. Please ask us for additional details.
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Annual fee refund is available for new approved customers only who apply by 31 October 2017 and spend a minimum of $1,000 each month on eligible transactions for the first 6 months from 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). For full details see definition Changes to your Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions - effective 15 June 2017. The refund will be credited to the eligible primary card holder’s account within 8 to 10 weeks after the expiry of the 6 month period. The fee will only be refunded once per account
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.
Withdrawal limits, fees and charges may apply.
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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. See Terms & conditions for full details.
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80,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 31 October 2017. 16,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 5 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). For full details see definition
Changes to your Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions - effective 15 June 2017. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the High Flyer Card 80,000 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, available at
velocityfrequentflyer.com 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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120,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 31 October 2017. 40,000 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). For full details see definition Changes to your Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions - effective 15 June 2017. Credit Card application must be submitted through this page or by calling 13 37 39 and indicating that you would like the High Flyer Card 120,000 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, available at velocityfrequentflyer.com, 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 16 March 2017 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 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 $70 per passenger per booking). For Rewards Seat bookings on Etihad Airways operated flights, an Etihad Airways Carrier Charge will apply, view more information here. Add $40 or 5,200 Points for 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 2017. 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 31 October 2017. 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). For full details see definition Changes to your Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions - effective 15 June 2017. Credit Card application must be submitted through this page or by calling 13 37 39 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, available at velocityfrequentflyer.com, 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).
Minimum Credit Limit of $6,000 on No Annual Fee Card if you choose to take up this balance transfer offer. Otherwise, the standard No Annual Fee Card has a minimum Credit Limit of $2,000.
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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 Terms & Conditions for full details.
