What you'll find on this page:

  • Repayment options to pay your card account

    Via BPAY®

    You can use BPAY® to make your repayments. Our Biller Code is 49551 and your 16-digit Virgin Money Card number is your Customer Reference number.

    Direct Debit Auto Pay

    With Direct Debit Auto Pay your repayments will be automatically deducted each month from the bank account of your choice so you'll never have to worry about them.

    To set this up click on the link to download the 'Direct Debit Auto Pay application form' and return it to us.

    It's important to know that if you make any manual payments between due dates, then the Direct Debit will only draw the difference between the amount of the manual payments and the Direct Debit amount.

    By posting us a Cheque

    You can post us your payment by enclosing your completed Payment Slip provided with your monthly statement and mail with your cheque (no notes or coins please) to the following address:

    Virgin Money
    GPO Box 4299
    Sydney NSW 2001

    Please make your cheques payable to your Virgin Money Account number and specify your account type e.g. “Virgin Australia Velocity Flyer Card - Account number”. So we can process it as quickly as possible for you it would be good if you write the actual Account number on the back of your cheque. Cheques payable to the Account holder may also be accepted (e.g. dividend cheque, Medicare refund, etc) but cheques payable to a third party will not be accepted.

    Again, a friendly reminder to please write your account number on the back of all cheques.

    At Australia Post

    You can make your payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS and they'll be processed immediately. It's important to remember to take your Payment Slip and your Credit Card with you for a faster transaction. For payments made at any other Australia Post using cash or EFTPOS, please allow 48 hours for the payment to reach your Account. When paying by cheque at any Australia Post office, please allow 7 business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.

  • Pay bills with your card

    It’s important to know that not all billers accept bill payments via credit card via BPAY. As a general rule if a biller charges a surcharge for credit card payments, then BPAY is not allowed. You can check if your biller accepts credit card payments via BPAY at bpay.com.au. Find your biller then check what payment methods they accept.

    If your biller does accept credit card BPAY payments, then log into your Virgin Money Online account and head to the Payments and Transfers section.

    To pay your bill, go to: Payments & Transfers > Make Payment / Transfer, and select 'Ad-Hoc Bill Payment' from the drop down menu. Then click on SEARCH to enter the Biller and Reference codes as detailed on your bill and confirm the transaction.

    If you have billers you'd like to pay off regularly via BPAY with your credit card, you can add the biller to your frequent biller list.

    BPAY payments are not eligible to earn Velocity Points10Learn more about making payments and transfers with your online account.

  • Minimum monthly repayments

    Your Minimum Payment Due is (rounded up to the nearest dollar):

    1. the Card Balance if it is less than $30; or
    2. the greater of:
      • $30; or
      • 2.00% of the Card Balance; or
      • the sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month, plus any Monthly Instalment for that month.

    You'll see the date your payment is due on your Credit Card statement in the top right hand corner.

     

  • Interest free period

    You'll enjoy up to 44 interest-free days on all purchases, providing you repay the full balance on your Card each month.

    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 interest-free days do 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 Withdrawals, Balance Transfers or Bank Cheques. These transactions will incur interest from the date the transaction is made (regardless of whether the Account is repaid in full each month).

  • Hardship Assistance

    How we may be able to assist you in times of financial hardship

    Virgin Money knows that from time to time you may experience a sudden change in your life which causes unplanned financial hardship and an urgent call for our help. That's why we provide you with short term financial relief and longer-term support.

    We’re here to understand your situation and tailor our financial solutions to best suit your individual needs. Depending on your circumstances, these include temporary relief on your loan or credit card repayments, loan extensions or a variation of your contract.

    So whether your situation is caused by unemployment, injury or illness, divorce, a natural disaster or an unexpected reduction in your income, we’re here to help you get back on track.

    For more information on how we can assist you – click on the links below:

Virgin Money Credit Cards - View our handy FAQs

View our handy FAQs

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Virgin Money Credit Cards - Need to contact us?

Need to contact us?

If you need help along the way give our Customer Care team a call on
13 37 39 They're available 24x7. 

Virgin Money Credit Cards - Manage your application

Manage your application

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