Velocity Flyer Credit Card

Everyday spending that earns you an escape.

  • New applications: Applications for a new Virgin Money Credit Card are currently unavailable.
  • Existing cardholders: The Virgin Money Credit Card system change is now complete. Find out what this means for you here.

Velocity Flyer Credit Card lowdown{font-dark}

A breakdown of our Flyer Credit Card’s perks, rates, fees and limits.{sub-heading}

Please see the Forms and important information{external-link} for full details of limits for the Flyer Credit Card.

Rates, fees & limits{thead}
Annual fee
$149
Interest-free period
Up to 44 days on retail purchases8.
Purchase rate
20.74% p.a.
Cash advance rate
20.99% p.a.
Minimum credit limit
$6,000
Points{thead}
Velocity Points earn rate
0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter.10
Accelerated Velocity Points
Earn 1 extra Velocity Point for every $1 spent directly with Virgin Australia41. Plus as a Velocity member you will earn 5 Points per $1 spent when you fly on eligible flights with Virgin Australia.61
Velocity Partners & Offers
Velocity has an extensive network of global program partners and offers.
Points capping
No cap on points earned.
Travel benefits{thead}
Virgin Australia gift voucher
$129 Virgin Australia Gift Voucher, each year17, when you make a retail purchase in the 2 months prior to requesting the voucher.
Complimentary Insurances6{thead}
Extended Warranty Insurance
Covers an additional 12 months on eligible items purchased with the card.
Purchase Protection Insurance
Covers loss, theft, or accidental damage on eligible purchases for 90 days.
Security{thead}
Visa’s Zero Liability policy12
Protects against fraudulent transactions when using the card. View Visa's Zero Liability Policy
Visa Checkout
Enables secure online payments with faster checkouts.
Verified by Visa
Additional security for online transactions to prevent fraud.
Visa Paywave
Contactless payment feature for quick and secure transactions.

Velocity partners & offers

Discover the Velocity Frequent Flyer’s huge network of global program partners and their rewarding offers.

Learn more about Velocity Rewards{external-link}

Flyer features

Earn Velocity Points faster with the Virgin Australia Velocity Flyer Credit Card. Get premium travel perks & bonus points.

Coins boost velocity points

Frequent flyers, maximise your Velocity Points

Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 per statement period, then 0.5 Points per $1 spent thereafter.10

Fly more, earn more

As a Velocity Member you will earn 5 Points per $1 spent when you fly on eligible flights with Virgin Australia.61

Frequently asked questions

View all FAQs{external-link}

How are my Velocity Points earned and transferred into my Velocity Frequent Flyer Account?

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

What can Velocity Points be redeemed for?

You can redeem your Velocity Points for all kinds of rad 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. Membership Enquiries 0800 - 2000 AEDT Monday to Friday Flight Redemptions 0730 - 2230 AEDT 7 days a week

Do Velocity Points expire?

Your Velocity Points will be transferred to your Velocity Frequent Flyer Account after each statement cycle. Once your Points are in your Velocity Frequent Flyer Account they will not expire as long as you’re an active Velocity Member, that is, a Member who earns or redeems Velocity Points within a two-year period. For full details, see the Velocity Frequent Flyer terms and conditions at velocityfrequentflyer.com.

How do frequent flyer credit cards work?

Frequent flyer credit cards, such as the Velocity High Flyer Credit Card or Velocity Flyer Credit Card, are designed to help you earn points or air miles with a specific airline or frequent flyer program. These credit cards work by offering you points for every eligible purchase you make. The number of points you earn can vary depending on the card and the type of transaction. Once you've accumulated a sufficient number of Velocity points on your credit card, you can redeem them for various rewards, including flights, upgrades, and other travel-related perks. It's a great way to make your everyday spending work for you in terms of travel benefits.

Download the Virgin Money app from the App Store or Google Play Store, open the app, select the ‘Existing customer, this way’ option, enter your mobile number then complete the steps to add your credit card details.

If you're an existing Virgin Go Transaction account and/or Virgin Boost Saver or Grow Saver account customer, you can go to the account screen, select the + sign, select credit card and follow the steps.

Download the Virgin Money app{small-button}

How do I activate my Velocity Flyer Card?

Simply activate your velocity flyer card by either:

Logging in to Virgin Money Online at virginmoney.com.au/activate or;

Virgin Money app - go to the profile screen, select 'Manage cards' select the Flyer credit card and follow the prompts. If you're an existing Go Transaction account and/or Boost & Grow Savings account customer, go to the account screen, select the + sign, select credit card and follow the steps.

If you are the primary cardholder, please ensure you activate your card first. If you are an additional cardholder on this account, please note that you will not be able to activate your new card until the primary cardholder activates their card first.

Is Velocity Frequent Flyer membership required?

Yep, you’ll need to be a Velocity Frequent Flyer Member so that we can send you the Velocity Points that you earn with your credit card.

You’ll need to give us your Velocity Frequent Flyer membership number either on your application form when applying for your Virgin Money credit card, or by calling us on 13 37 39.

If you're not currently a Velocity Member you can arrange this when you apply for your card, or head to velocityfrequentflyer.com where you can join for free online. If you choose not to join Velocity Frequent Flyer, you’ll be ineligible for any offers or benefits relating to Virgin Australia or the Velocity Frequent Flyer Program.

Our top travel tips for your next adventure

Whether you're a frequent flyer or taking to the skies for the first time, we've got some tips for your next trip.