Virgin Money Credit Cards - Imagine the possibilities

Credit Cards

Virgin Money Australia Credit Cards

Points. Rewards. Perks. Low rates. No annual fees. Check out our credit cards today (with balance transfer options available too).

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Meet our credit cards

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Virgin Australia Velocity High Flyer Credit Card

Our fastest Velocity Points earning card, with the highest flying perks.

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Virgin Money Low Rate Credit Card

Keep your interest rate low, but your expectations high.

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balance transfer

Virgin Australia Velocity Flyer Credit Card

Turn everyday spending into someday holidaying, by earning Velocity Points.

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balance transfer calculator

Virgin Money No Annual Fee Credit Card

Save on interest and pay no annual fee – ever.

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credit card rewards and benefits

Virgin Money Anytime Rewards Credit Card

Rewards and more, anytime and anywhere, with Virgin Money Points.

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Our latest credit card offers

Select your Virgin Money card based on which offer takes your fancy – or learn more about each card below.

Virgin Australia Velocity High Flyer Credit Card

Virgin Australia Velocity High Flyer Card

Bonus Velocity Points offer

Up to 80k bonus Velocity Points

  • Earn up to 80,000 bonus Velocity Points20 
    (40,000 bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 2 months from card approval. New and approved customers only.)
  • Up to 100 Bonus Status Credits each year when you purchase and fly on eligible Virgin Australia flights.5 
  • A $129 Virgin Australia Gift Voucher each year.17
  • 2 Single Entry Lounge Passes each year.33

Apply now Find out more

  • Annual Fee $329
    Annual fees are subject to change.
    Balance Transfer Rate18 0% p.a. for 12 months. Reverts to cash advance rate.
    You will be charged interest on retail purchases while you have a balance transfer.
    Interest Free Days8 Up to 44 days on retail purchases
    You will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 20.74% p.a.
    Cash Advance Rate 20.99% p.a.
    Points Earn10

    Earn 1 Velocity Point per $1 spent on Eligible Transactions up to $8,000 each statement period, 0.5 Points per $1 spent thereafter.

    Earn 2 extra Velocity Points per $1 spent directly with Virgin Australia.41
    Bonus Points

    Earn up to 80,000 bonus Velocity Points20 

    (40,000 bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 2 months from card approval. New customers only.) 
    Flight Benefit

    Up to 100 Bonus Status Credits5 each year when you purchase and fly on an eligible Virgin Australia flight.

    $129 Virgin Australia Gift Voucher, each year17, when you make a retail purchase in the 2 months prior to requesting the voucher.

    2 complimentary Single Entry Lounge passes each year.33
    Visa Privileges15 Visa Signature
    Credit Limit Range $15,000 to $100,000
    Minimum Income $75,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

Virgin Australia Velocity Flyer Credit Card

Virgin Australia Velocity Flyer Card

Bonus Velocity Points offer

Up to 50k bonus Velocity Points + more

  • Earn up to 50,000 bonus Velocity Points16
    (25,000 points for each month you spend $1,500 or more on eligible purchases in the first 2 months from card approval).
  • 0% p.a. for 12 months on balance transfers with 2% balance transfer fee.18 Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
  • $149 annual fee.

Apply now Find out more

  • Annual Fee $149.
    Annual fees are subject to change.
    Balance Transfer Rate18 0% p.a. for 12 months with a 2% balance transfer fee. Reverts to cash advance rate.
    You will be charged interest on retail purchases while you have a balance transfer.
    Interest Free Days8 Up to 44 days on retail purchases
    You will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 20.74% p.a.
    Cash Advance Rate 20.99% p.a.
    Points Earn10

    Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter.

    Earn 1 extra Velocity Point for every $1 spent directly with Virgin Australia.41
    Bonus Points Earn up to 50,000 bonus Velocity Points.16 Receive 25,000 points for each month you spend $1,500 or more on eligible purchases in the first 2 months from card approval.
    Flight Benefit $129 Virgin Australia Gift Voucher, each year17,when you make a retail purchase in the 2 months prior to requesting the voucher.
    Visa Privileges15 Visa Platinum
    Credit Limit Range $6,000 to $100,000
    Minimum Income $35,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

Balance Transfer offer

  • 0% p.a. for 24 months on balance transfers.1 Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
  • $0 annual fee for the first year, and $149 after that.39

Apply now Find out more

  • Annual Fee $0 for the first year, then $149.39
    Annual fees are subject to change.
    Balance Transfer Rate1 0% p.a. for up to 24 months with a 1% balance transfer fee. Reverts to cash advance rate.
    You will be charged interest on retail purchases while you have a balance transfer.
    Interest Free Days8 Up to 44 days on retail purchases
    You will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 20.74% p.a.
    Cash Advance Rate 20.99% p.a.
    Points Earn10 Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter.
    Flight Benefit $129 Virgin Australia Gift Voucher, each year17,when you make a retail purchase in the 2 months prior to requesting the voucher.
    Visa Privileges15 Visa Platinum
    Credit Limit Range $6,000 to $100,000
    Minimum Income $35,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

Virgin Money Anytime Rewards Credit Card

Virgin Money Anytime Rewards Card

Bonus Virgin Money Points offer

Up to 80k bonus Virgin Money Points + more

  • Earn up to 80,000 bonus Virgin Money Points13 (when you spend $3,000 or more in the first 3 months from card approval).
  • 0% p.a. for 12 months on balance transfers.1 Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.

Apply now Find out more

  • Annual Fee $149
    Balance Transfer Rate1 0% p.a. for 12 months. 
    Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Interest Free Days8 Up to 55 days on retail purchases
    Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 19.99% p.a.
    Cash Advance Rate 20.99% p.a.
    Points Earn29 1 Virgin Money Point per $1 spent on Eligible Transactions, uncapped
    Bonus Points Receive 80,000 bonus Virgin Money Points13 when you spend $3,000 or more on eligible purchases in your first 3 months from card approval. 
    Visa Privileges15 Visa Platinum
    Credit Limit Range $6,000 to $100,000
    Minimum Income $35,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

Balance Transfer Offer

  • 0%p.a. for 24 months on balance transfers1 with a 1% balance transfer fee.

Apply now Find out more

  • Annual Fee $149
    Balance Transfer Rate1 0% p.a. for 24 months with a 1% balance transfer fee.
    Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Interest Free Days8 Up to 55 days on retail purchases
    Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 19.99% p.a.
    Cash Advance Rate 20.99% p.a.
    Points Earn29 1 Virgin Money Point per $1 spent on Eligible Transactions, uncapped
    Visa Privileges15 Visa Platinum
    Credit Limit Range $6,000 to $100,000
    Minimum Income $35,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

Low Rate Credit Card

Virgin Money Low Rate Credit Card

Balance Transfer offer

0% p.a. interest for 15 months + more

  • 0% p.a. for 15 months on balance transfers1. Reverts to cash advance rate. You will be charged interest on retail purchases while you have a balance transfer.
  • Low ongoing variable purchase rate of 12.99% p.a.

Apply now Find out more

  • Annual Fee $99
    Balance Transfer Rate1 0% p.a. for 15 months on balance transfers with no balance transfer fees.1
    Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Interest Free Days8 Up to 55 days on retail purchases
    Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 12.99% p.a.
    Cash Advance Rate 21.69% p.a.
    Credit Limit Range $2,000 to $100,000
    Minimum Income $35,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

No Annual Fee Credit Card

Virgin Money No Annual Fee Card

Purchase Rate Offer

0% p.a. interest for 6 months on purchases + more

  • 0% p.a. for 6 months on purchases.2 Reverts to ongoing purchase rate. 
  • Earn Virgin Money Bonus Points4 via the Virgin Money app and partner offers.

Apply now Find out more

  • Annual Fee $0
    Interest Free Days8 Up to 55 days on retail purchases.
    Please note, you will be charged interest on retail purchases while you have a balance transfer.
    Purchase Rate 0% p.a. for 6 months on purchases.2 Reverts to 19.99% p.a.
    Cash Advance Rate 20.99% p.a.
    Credit Limit Range $2,000 to $100,000
    Minimum Income $25,000

    You must pay your balance in full each month (including balances transferred) to receive interest free days.

    More about rates and fees More about balance transfers

Still can’t decide which credit card is right for you?

Take our credit card quiz to find the card with the features that best suit your lifestyle.

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More about Virgin Money Credit Cards

Virgin Money app

The Virgin Money app keeps you in the know, with a spend tracker, alerts and clever insights into your credit card spend – and more.

Digital wallet

Use your phone or wearable to pay from your credit card account, with Apple Pay36, Samsung Pay37 or Google Pay.40

Personal Concierge

Take advantage of round-the-clock access to the Visa Platinum Concierge Service.14 It's the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world.

Visa payWave

Pay for anything from coffee to a set of monogrammed bath towels with a simple wave of your Virgin Money Credit Card anywhere with a Visa payWave sensor.9

Visa Platinum Benefits

Enjoy first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment. Go to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.

Learn more


Want to know more?

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How to use your credit card

Everything you need to know to set up and use your Virgin Money Credit Card. Sorted.

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credit card rewards and benefits

Card rewards and benefits

Take advantage of all the perks of your Virgin Money Credit Card.

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balance transfer

All about a balance transfer

How a balance transfer can help manage credit card repayments.

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balance transfer calculator

Balance transfer calculator

See what you could save on interest by transferring your balance.

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Quick links


 

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FAQs

  • A credit card is a way to get ‘credit’ from a bank, or in more simple terms borrow money from a bank up to a set limit. You can use a credit card the same way you would use a debit card, but you’ll need to remember to pay off the minimum amount each month by the set due date. With many credit cards you can also earn rewards or cashback on accepted purchases.

  • A credit card gives you access to money (or ‘credit’) up to an agreed limit with your bank. You will receive a bill each month for what you have spent. As long as you pay the minimum amount required off before the due date each month, you will always have access up to your agreed credit limit. 

  • The interest incurred on your credit card is charged when you don’t pay off your full balance by the set due date you can find on your credit card statements. How much interest you’ll pay will depend on the type of card you have, how much you have spent and when you make your repayments. Most credit cards also have an annual charge which is separate to credit card interest.

  • Generally a score between 670-739 is considered ‘good’. 740-800 is considered very good and 800+ is considered excellent. We will determine your credit limit when we apply our credit assessment criteria to your individual financial situation.

  • A credit limit is the maximum amount you can spend with a month on your credit card as agreed with your bank. The minimum & maximum credit limits vary for each credit card. 

    The credit limits for the Virgin Money Credit cards are:

    • No Annual Fee and Low Rate cards the maximum credit limit is $100,000 and the minimum credit limit is $2,000.
    • For Flyer cards the maximum credit limit is $100,000 and the minimum credit limit is $6,000.
    • For High Flyer cards the maximum credit limit is $100,000 and the minimum credit limit is $15,000.
    • For the Anytime Reward card, the maximum credit limit is $100,000 and the minimum credit limit is $6,000

  • The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It should take less than 10 minutes to complete if you have all your info on hand, and once approved we'll have your Card out to you within 10 working days. We'll need to know your age, Australian residency status, your driver’s license if you have one and your current financial details including employment and monthly expense and income details.

  • A balance transfer involves transferring the balance(s) of your credit cards or loans from other banks or financial institutions to a Virgin Money Credit Card. The balances transferred will receive a promotional interest rate for a set period of time and can be a great way to save on interest charges.

    Once your balance(s) has been transferred, you’ll need to close the other credit facilities you transferred balances from if you choose, as this doesn’t happen automatically.

    It’s important to note that there is no interest-free period for retail purchases when you have a Balance Transfer. This means any purchases you make on your new Virgin Money credit card will be charged interest at the interest rate of the card you chose.

    When considering a balance transfer promotion, it’s easy to focus on the low, or zero, interest rate being offered, however don’t forget to consider the other features of the card and any applicable terms and conditions of the promotion.

    Learn more about balance transfers 

  • Once a balance transfer is processed on your Virgin Money Credit Card, here’s what you need to know about interest rate charges:

    • Many people choose to transfer their balance to take advantage of a 0% balance transfer interest rate – which means you don’t pay any interest on that balance for a set period of time. But you should always check what the balance transfer interest rate is at the time you accept the offer.
    • Keep in mind that you will still be charged interest on retail purchases while you have a balance transfer. This means any purchases you make will be charged interest at the purchase interest rate of the card you chose.
    • At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fee will revert to the Annual Percentage Rate for Cash Advances. For example, if your balance transfer rate is 0 % p.a. for 12 months, during that 12 months all additional purchases will be charged interest at the Annual Percentage Rate for retail purchases. At the end of the 12 months, any outstanding balances from the Balance Transfer will revert to the Annual Percentage Rate for Cash Advances.

    Learn more about balance transfers 

  • At the end of your statement cycle, the number of Points earned from retail purchases are calculated using the conversion rate that’s applicable to your Virgin Money Credit Card. The Velocity Points earned will be automatically transferred into your Velocity Frequent Flyer Account within 15 business days after the close of the statement cycle.

  • You can redeem your Velocity Points for all kinds of adventurous things. Here are just a couple:

    • Domestic and international flights with Virgin Australia, Virgin Samoa, Etihad Airways, Virgin Atlantic, Virgin America, Delta and more.
    • A range of great hotels, car rentals and products including gift cards and vouchers.

    Head to velocityfrequentflyer.com to see the full range of what's on offer or give the Velocity Team a call on 13 18 75.

  • Check out the Rewards Hub, you’ll be able to earn Bonus Points through a huge range of partner offers and book hotels through the Virgin Money Rewards Hub. Not to mention, you’ll get access to other epic perks and experiences along the way.​

    ​We might just decide to say thanks or well done with points, for doing a bunch of good things for you (not us). And when it comes to using your points, we’ll give you plenty of ways that work for you too. ​

  • Turn your points into cash and send it straight into your chosen Virgin Money account, EPIC! Put a big line through that purchase like it never happened. Simply use your points to pay for an item you've already bought - and poof! - the value will be credited back to your account. That's not banking, that's points magic. Got a special something (or someone) in mind? Swap your points for a gift card from brands like Amazon, Bunnings or JB Hi-Fi and instantly use in store or online. Want to pay it forward? We’re all about sharing the love. With Virgin Money you can gift your points to anyone you want, as long as they bank with us.