Virgin Australia Velocity Flyer Card – 0% Purchase Rate Offer

• Residency. Only citizens or permanent residents of Australia will be considered.
• Credit history. You must have a good credit score for this card. You can check your comprehensive credit report and score for free through Finder.
• Age. You must be at least 18 years old to apply for this card.

Required documents

• Personal details. Your full name, address and driver's licence number will be required.
• Employment. This includes the name and contact details for your current employer, as well as information about your role and the length of time you've worked there.
• Financial. You will need to provide your annual pre-tax salary along with any other income sources and amounts, such as those derived from dividends. You'll also need to share details of your financial commitments such as credit cards, loans and living expenses.
• Balance transfer information. If you decide to take advantage of the balance transfer offer, you'll need to provide the card or account number/s for any debts you want to transfer to the card.
• Velocity Frequent Flyer number. You'll need to include your Velocity membership number so your points can be debited to your frequent flyer account.

• Velocity Points. For the first $1,500 you spend on eligible transactions each month, you'll earn 0.66 Velocity Points per dollar spent. An earn rate of 0.5 Velocity Points per dollar spent will apply thereafter.
• $129 gift voucher each year. You can enjoy a $129 Virgin Australia Gift Voucher each year. All you have to do is make a retail purchase with your card within two months before requesting your voucher to unlock your benefit. You can use your voucher to book Virgin Australia flights or selected Virgin Australia holiday packages anytime within the first 6 months from the voucher issue date.
• Complimentary insurance. For travelling, transit accident insurance covers you in the event of an accidental injury or death while moving from one place to the next. You'll need to use your card to purchase your overseas travel tickets before you leave to be eligible for the cover. If you use your card to make a purchase and find the same item at a lower price within 60 days, you can receive the difference through the "Guaranteed Pricing Scheme". Eligibility requirements and terms and conditions apply.
• Mobile wallets. You can link your credit card to Google Pay, Samsung Pay and Apple Pay and use your eligible device to make contactless payments.

• Interest-free days. You can save with up to 55 days interest-free on purchases provided that you pay your balance in full by the due date on each statement. Please note that you are not eligible for interest-free days while you are carrying debt from a balance transfer.
• Foreign exchange fee. When making purchases while travelling overseas, a fee equal to 3.3% of the transaction amount is charged. Fees charged will be reflected as a single amount on your credit card statement.
• Minimum payment. With this card, you'll need to pay 2% or $30, whichever is greater by the due date on each statement. Please note you need to pay at least the minimum each month, even during the introductory period.
• Minimum credit limit. The credit limit for this card starts at $6,000 but can go as high as $30,000 depending on your income and credit history.