How it works

Earn tonnes of points, get rewarded, and redeem points your way. 

Open
Open
Open an account that’s eligible for Virgin Money Rewards, and you’ll automatically be signed up.
Earn
Earn

Score points on eligible transactions you make with your Go Account1 or Anytime Rewards Credit Card19 and get even more Bonus Points when you shop with our Virgin Money Rewards partners.2

Start earning

Redeem
Redeem

Convert your points into cashback3, gift cards5, or Pay with Points.4 Whatever your style, you can redeem your points your way.

Redeem your points


Flyer and High Flyer Credit Card holders

Learn about your Velocity Points and other rewarding card benefits here.

Learn more


Eligible accounts

 

Virgin Money Go Account & Boost Saver Virgin Money Anytime Rewards Credit Card Virgin Money Low Rate Credit Card Virgin Money No Annual Fee Credit Card
Overview
  • Earn points on eligible transactions1 with your Go Account and unlock our full Rewards offering
  • Our highest interest Boost Saver Account comes bundled with an everyday transaction Go Account 
  • Discover smart savings features to smash your goals sooner 
  • Earn 1 Virgin Money Point for each $1 you spend on eligible transactions,19 with no limit to the points you can rack up
  • 0% p.a. for 12 months on balance transfers21. Reverts to cash advance rate. Please note you will be charged interest on retail purchases while you have a balance transfer.
  • $0 additional cardholder fee
  • Access boosted earn offers with partners2 and hotel bookings6 via the Virgin Money app
  • Competitive annual fee of $99
  • Interest rate on purchases of 12.99% p.a.
  • Up to 55 days interest free on retail purchases (unless you have a balance transfer)23
  • Access boosted earn offers with partners2 and hotel bookings6 via the Virgin Money app
  • No annual fee, ever.
  • 0% p.a. for 6 months on purchases.22 Reverts to ongoing purchase rate

Apply now

More info

Apply now

More info

Apply now

More info

Apply now

More info

Welcome Offer 5,000 Virgin Money Points Welcome Offer17 when you meet the welcome criteria. Earn up to 80,000 Virgin Money Rewards Bonus Points18 when you spend $3,000 within the first 3 months from card approval.    
Standard Points 8 points per eligible transaction with your Go Account1 1 point for each $1 spent on eligible transactions19    
Bonus Points
  • Earn Bonus Points with over 60 Partner Offers2
  • Earn 5 points for each $1 spent on hotel bookings in the Virgin Money app6
Find out more
  • Earn Bonus Points with over 60 Partner Offers2
  • Earn 5 points for each $1 spent on hotel bookings in the Virgin Money app6
Find out more
  • Earn Bonus Points with over 60 Partner Offers2
  • Earn 5 points for each $1 spent on hotel bookings in the Virgin Money app6
Find out more
  • Earn Bonus Points with over 60 Partner Offers2
  • Earn 5 points for each $1 spent on hotel bookings in the Virgin Money app6
Find out more
Redemption Options
  • Cashback to eligible accounts3
  • Gift Cards5
  • Transfer to partner travel programs7
Find out more
  • Cashback to eligible accounts3
  • Gift Cards5
  • Transfer to partner travel programs7
Find out more
  • Cashback to eligible accounts3
  • Gift Cards5
  • Transfer to partner travel programs7
Find out more
  • Cashback to eligible accounts3
  • Gift Cards5
  • Transfer to partner travel programs7
Find out more

coins

How to earn points

Rack up points in heaps of ways with Virgin Money Rewards

Everyday spend

Earn points on each eligible transaction with a Virgin Money Go Account1 or Virgin Money Anytime Rewards Credit Card19. Yep, even that morning flat white or lasagne topper from the servo.

Score bonus points

Stay on the alert for exclusive offer drops from our partners and haul in those Bonus Points.

Going shopping?

Earn points faster with our retail partners2, from crystals at Swarovski to kitty litter from Pet Circle. 

Taking a trip?

Take in some points. Book your hotel stay through the Virgin Money app to earn 5 Bonus Points per $1 spent6.


Earn bonus points with partner offers


present

How to redeem

Now it’s the best bit - redeem your points for the rewards you want. Head to the Virgin Money app > Rewards > Redeem to start cashing in your points.

Cash-back

Convert your points (min. 500 points) to money in the bank3. Plus, with a set-and-forget option, you could redeem your points for cash automatically every month3.

Flights and hotels

Let your points do the travelling. Redeem your points with participating hotels6 or transfer them to our travel loyalty program partners7, such as Velocity Frequent Flyer8

Pay with points

Buyer’s remorse is no longer a thing. Pay with points can be used on select purchases4 - the value of the purchase will be credited straight back into your account. 

Gift yourself

Something for them? Or just something for you? Flip your points for gift cards5 with brands like Amazon, Bunnings or JB Hi-Fi. It’s the gift card that keeps giving. 



Want to chat?

Call us

For Anytime Rewards, Low Rate or No Annual Fee Credit Cards you can call us on 13 37 39.

For Go, Boost Saver or Grow Saver accounts you can call us on 13 81 51.

In-app chat
Profile > Help & Support > App support > Chat to us If we are not available right away or it’s after hours, we’ll respond as soon as we’re back on deck.
Operating hours
Monday to Friday: 8am - 8pm AEST Saturday: 9am – 5pm AEST

FAQs

  • What is Virgin Money Rewards?

    Virgin Money Rewards is our loyalty program designed with you in mind. Our goal is to recognise and reward you for who you are, and to help you create better money habits. It’s about giving you a rewarding banking experience every day, not just someday. 

  • Is Virgin Money Rewards the same as Velocity?

    Virgin Money Rewards is a unique Rewards program for Virgin Money customers with eligible products. We have many different ways to earn points and reward yourself. However, if you love earning Velocity Frequent Flyer points too, you can simply redeem your Virgin Money Rewards points for Velocity points (or one of several other travel partners) in the  Virgin Money app. 

    Simply head to Rewards > Reedeem > Transfer points to your travel program > Select your preferred travel program

    Please note: You will likely see the points in your linked travel program within 24 hours but could take up to 5 business days.

  • Which accounts have access?

    You’ll get access to Virgin Money Rewards with any of the following accounts: 

    With a Virgin Money Go Account you can earn Standard Points on settled purchases (not pending) using your Debit Card, BPAY payments and direct debits from your Virgin Money Go Account and cash outs from a merchant's point of sales terminal. 

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

    With a Virgin Money Anytime Rewards Credit Card, you can earn 1 Virgin Money Point for each dollar spent on eligible transaction.19

    * From 26 September 2024, Virgin Money Grow Saver accounts will no longer be eligible to participate in the Virgin Money Rewards Program

  • Do my Virgin Money Points expire?

    There’s no 'use-by' date on these points while you have an active eligible Virgin Money Account with us. If you don't earn or redeem a point for a period of 2 years then your points will expire after the 2 year period. If you close all your accounts the points you earned will expire within 3 months of closing and you will only be able to redeem any remaining Points as an eVoucher (gift card) within that period.


 

Banking on tap

Download the Virgin Money app and sign up in minutes. (Pro tip: have your Aussie ID at the ready.)

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