Credit card rates and fees summary

Here you’ll find the rates and fees that are specific to the type of card you have. {sub-heading}

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Virgin Money Credit Cards - Velocity Flyer Card

Virgin Australia Velocity Flyer Card

Annual fee
$149. Annual fees are subject to change.
Annual additional cardholder fee
$39
Purchase rate
20.74% p.a.
Cash advance rate
20.99% p.a.
Balance transfer rate on all cards
Reverts to the cash advance rate at end of the offer period.
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Virgin Money Credit Cards - Velocity High Flyer Card

Virgin Australia Velocity High Flyer Card

Annual fee
$329. Annual fees are subject to change.
Annual additional cardholder fee
$89
Purchase rate
20.74% p.a.
Cash advance rate
20.99% p.a.
Balance transfer rate on all cards
Reverts to the cash advance rate at end of the offer period.
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anytime-rewards-card

Anytime Rewards Card

Annual fee
$149. Annual fees are subject to change.
Annual additional cardholder fee
$0
Purchase rate
19.99% p.a.
Cash advance rate
20.99% p.a.
Balance transfer rate on all cards
Reverts to the cash advance rate at end of the offer period.
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Virgin Money Credit Cards - Low Rate Card

Low Rate Card

Annual fee
$99. Annual fees are subject to change.
Annual additional cardholder fee
$29
Purchase rate
12.99% p.a.
Cash advance rate
21.69% p.a.
Balance transfer rate on all cards
Reverts to the cash advance rate at end of the offer period.
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Virgin Money Credit Cards - No Annual Fee Card

No Annual Fee Card

Annual fee
No annual fee... ever
Annual additional cardholder fee
None
Purchase rate
19.99% p.a.
Cash advance rate
20.99% p.a.
Balance transfer rate on all cards
Reverts to the cash advance rate at end of the offer period.

Fees common across all our credit cards {colspan-4}

A Cash Advance Fee ‐ (Domestic)
$2.70 per transaction amount or 2.7% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place.
A Cash Advance Fee ‐ (International)
$5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.
International Transaction Fee

We charge you an International Transaction Fee of 3.3% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:

• foreign currency once converted to Australian dollars; and/or

• Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas.

Late Payment Fee
$30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.
Over-the-Counter Fee (Bank@Post)1
$2.50 fee applies for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol
Paper Statement Fee
$2 each month we issue you with a paper statement, debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances.
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 The Virgin Money Credit Cards Team a call on
13 37 39 They're available 8am to 8pm Monday-Friday, 9am to 5pm Saturday (AEST) and closed National Public Holidays.

Important stuff

Fees, charges, and credit criteria apply. New cards customers only and cannot be used in conjunction with any other offers. See our full terms and conditions here. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

1. Bank@PostTM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved.

All interest rates shown are variable. This information is correct at 24 November 2025. You must be at least 18 years of age, be a permanent resident and earn a regular income to apply for a credit card. Approval is subject to our credit criteria.

All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money.

Please note that to read our PDF forms, you will need to have Adobe Reader{external-link} installed on your computer.

Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740,Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Virgin Money Credit Cards ("Credit Cards"). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards.

Our/us/we/The Virgin Money Credit Cards Team means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

To obtain a copy of the Target Market Determination (TMD) related to this product.