Virgin Money credit cards

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

Upcoming Changes

Please note, applications for a new credit card are temporarily unavailable from 26 October 2025.

On 24 November 2025, Virgin Money Credit Cards will be undergoing a system change and we’re updating our Terms and Conditions effective on this date. Learn more about the changes at virginmoney.com.au/credit-card-changes.
Access to Virgin Money Online Internet Banking will no longer be available from 7:30PM AEDT Friday 21 November 2025, due to a system change. The new Virgin Money Internet Banking will be available to register from 8:00AM AEDT Monday 24 November 2025. Learn more

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From high rewards to no annual fees

No jargon, no confusion - just the best credit card for you. Whether it’s rewards, low fees, or a balance transfer, we’ll help you find your match. Start comparing now.

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All Cards

Virgin Australia Velocity High Flyer Credit Card

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

Virgin Australia Velocity Flyer Credit Card

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

Virgin Money Anytime Rewards Credit Card

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

Virgin Money Low Rate Credit Card

Keep your interest rate low, but your expectations high.

Virgin Money No Annual Fee Card

Save on interest and pay no annual fee – ever.

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Rewards Cards

Virgin Australia Velocity High Flyer Credit Card

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

Virgin Australia Velocity Flyer Credit Card

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

Virgin Money Anytime Rewards Credit Card

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

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Low Rate/No Annual Fee

Virgin Money Low Rate Credit Card

Keep your interest rate low, but your expectations high.

Virgin Money No Annual Fee Card

Save on interest and pay no annual fee – ever.

Earn more points, cashback, or travel perks – your choice?

Your credit card spending should pay you back. Earn Velocity Points or Virgin Money Points every time you tap, swipe or shop. Then redeem them for gift cards, travel perks or rewards you’ll actually use. It’s rewards made simple – just the way it should be.{sub-heading}

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Frequently asked questions

Everything you need to know about your credit card{sub-heading}

Get help

Making Payments on Your Credit Card

Discover various payment methods, including BPAY and direct debit, and bank@post. Ensure timely payments to maintain your account in good standing.

Learn About Payments

Set Up and Activate Your Credit Card

Please note, applications for a new credit card are temporarily unavailable from 26 October 2025.

Learn how to activate your new Virgin Money credit card and set up your PIN through online banking or by calling our Customer Care Team at 13 37 39, operating hours are 24/7.

Activate Your Card

Using Your Credit Card

Get the most out of your Virgin Money credit card with guidance on account setup, online account management, making payments, and tips for traveling overseas.

Using Your Card

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Learn more about credit cards with our blog

Discover answers, tips, and guides on how to make the most of your new Virgin Money credit card.{sub-heading}

Enjoy benefits of flexible repayment options on your Credit Card

Learn how instalment plans can help to manage your cashflow and credit card repayments.

Credit Card Interest-Free Period: How Does It Work?

Learn how interest-free periods on credit cards operate, allowing you to maximise this benefit.

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Useful links

Didn’t find what you were looking for? Go to our help and support page to find out more.{sub-heading}

Help and support

Instalment Plans on credit cards

Link your card to Virgin Money app

Using my card overseas

Tools and calculators

Help me choose a credit card

Velocity Points Calculator

Balance transfer calculator

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Contact Us

Need help? Our team is here for you. Find answers, manage your application, or update your details with ease.{sub-heading}

Get help

Call Us

If you need help along the way give our Customer Care team a call. They're available 24/7.

13 37 39

Complaints

We want every experience with us to be a great one. If something’s not right, lodge a complaint online and we’ll work to fix it ASAP.

Lodge a complaint

Financial difficulty assistance

If you are worried you won't be able to manage your upcoming repayments – we are here to help.

Find out more

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Manage your card anytime, anywhere

Track spending, redeem rewards, and manage payments easily through the Virgin Money app. From tracking spending to transferring funds, enjoy seamless banking with powerful features designed for your financial needs. That’s more like it.{sub-heading}

Set up & stay on top of your spending

Download the app from the App Store or Google Play, link your credit card by selecting 'Existing Customer,' enter your mobile number linked to your Virgin Money credit card and follow the prompts.