Virgin Credit Cards

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Start earning Velocity Points on your everyday spend today and redeem flights, accommodation and more with Virgin Money credit cards. Virgin Money are now offering 20,000 bonus points to help you get to your next holiday destination sooner. 

Virgin Money is the financial services arm of the Virgin Group. Now being involved in music, financial products, the airline industry and even space flight, The Virgin Group has come on a long way since starting out a mail order record business. The Australian launch of the Virgin credit card 2003 was company’s first move into the international financial services market. Today, hundreds of thousands of Australians have a Virgin Money credit card, insurance policy, savings account or travel card.

Unlike other frequent flyer credit cards, which are issued in partnership with a mainstream financial institutions, such as Citibank, Virgin Money are credit card issuer and Virgin Velocity is the frequent flyer program. You can compare credit cards from Virgin Money on this page and read about some of the benefits of using a Virgin credit card. If you have a question about a Virgin Money credit card, have a look at the FAQs or ask us a question at the bottom of the page.

Virgin Money recognised awards

  • Best Customer Service 2005. International Customer Service Professional Gala Awards Night.
  • Best Customer Service 2006. International Customer Service Professional Gala Awards Night.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Virgin Australia Velocity Flyer Card Offer

Enjoy bonus Velocity Points when you spend or more within the first 3 months. Also take advantage of 0% p.a. for 18 months on balance transfers to repay your existing credit card balance interest-free.

  • $64 p.a. annual fee for the first year ($129 p.a. thereafter) annual fee
  • 20.74% p.a. on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash Advance Rate of 20.99% p.a.
  • Up to 44 days interest free
  • Minimum Income Requirement of $35,000 p.a.

Comparison of Virgin Money Credit Cards

Rates last updated June 25th, 2016.

Virgin No Annual Fee Credit Card

Balance transfer offer has been extended to 31 August 2016.

June 8th, 2016

Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer

Balance transfer offer has been extended until 31 August 2016.

June 8th, 2016

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer period changed from 14 to 18 months and is valid until 31 August 2016.

June 8th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points within the first 3 months. Pay only half the annual fee for the first year and 0% p.a. for 18 months on balance transfers.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Earn up to 30,000 bonus Velocity Points and a reduced annual fee for the first year.
20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. for 12 months on purchases and 0% p.a. for 6 months on balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Virgin Money Low Rate Credit Card
A low interest rate on purchases with a low balance transfer offer.
11.99% p.a. 0% p.a. for 6 months $99 p.a. More info

Types of credit cards from Virgin Money

Since launching their credit card business in Australia, Virgin Money have expanded their range of credit cards to include low rate and no annual fee products. Their frequent flyer products have been, and remain to be, some of the most popular in the market. These cards reward you with Velocity Points when you make an eligible purchase as well as offer you a range of competitive card features.

  • Balance transfer credit cards

Virgin Money provides competitive balance transfer rates for all types of needs, ranging from 6 months to 18 months interest-free on balances you transfer to a new Virgin Money credit card. Compare the offers below and pay 0% on your credit card debt today. Here is the step-by-step guide to balance transferring with Virgin Money.

Rates last updated June 25th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points within the first 3 months. Pay only half the annual fee for the first year and 0% p.a. for 18 months on balance transfers.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Earn up to 30,000 bonus Velocity Points and a reduced annual fee for the first year.
0% p.a. for 6 months 20.74% p.a. $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. for 12 months on purchases and 0% p.a. for 6 months on balance transfers.
0% p.a. for 6 months 0% p.a. for 12 months (reverts to 20.74% p.a.) $129 p.a. Go to site More info
Virgin Money Low Rate Credit Card
A low interest rate on purchases with a low balance transfer offer.
0% p.a. for 6 months 11.99% p.a. $99 p.a. More info
Rates last updated June 25th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance. Earn bonus Velocity Points in the first 3 months.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Coles No Annual Fee MasterCard
Get a balance transfer offer of 0% p.a. for 6 months, enjoy paying no annual fee ever, and earn flybuys points on everyday purchases.
0% p.a. for 6 months 19.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Citi Rewards Credit Card - Classic Card
A credit card with a long term balance transfer and complimentary access to the Citi rewards program.
0% p.a. for 12 months 20.99% p.a. $99 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 20 months and 1% p.a. for 12 months on purchases combined with complimentary insurances and annual fee waiver in the first year.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
A long term balance transfer offer with the Citi Rewards Platinum Card. Earn extra points on overseas spend and includes travel insurance.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
BankSA Vertigo Platinum
Enjoy 0% balance transfer rate for 20 months and 1% purchase rate for 12 months if you apply and are approved by 29 September 2016.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate.
0% p.a. for 18 months with 3% balance transfer fee 13.49% p.a. $58 p.a. Go to site More info
  • No annual fee credit cards

Although the purchase rate of interest may be high for a no annual fee credit card, it’s only charged if you carry a balance from month to month. You might want to compare these credit cards on the number of interest-free days available as well as other features, like balance transfer and interest-free promotional offers. This offer also comes with $100 cashback on your card when you spend $2,000 or more in the first 3 months.

Rates last updated June 25th, 2016
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
$0 p.a. 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
Rates last updated June 25th, 2016
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
$0 p.a. 9.99% p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
$0 p.a. 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
Coles No Annual Fee MasterCard
No annual fee for the life of the card and earn 0.5 flybuys point for every $2 spent.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
ANZ Platinum Credit Card
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year with platinum card benefits.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 19.74% p.a. Go to site More info
Coles No Annual Fee Platinum MasterCard
Enjoy a low balance transfer offer, upgrade to a platinum card and pay no annual fee.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
$0 p.a. annual fee for the first year ($30 p.a. thereafter) 19.74% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Complimentary travel insurance and 24/7 Concierge service and $0 foreign transaction fees. Plus enjoy a $0 annual fee.
$0 p.a. 17.99% p.a. 2.99% p.a. for 9 months Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
28 Degrees Platinum MasterCard
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
$0 p.a. 21.99% p.a. Go to site More info
Citi Simplicity Card
Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 11.99% p.a. for 24 months (reverts to 19.99% p.a.) Go to site More info
American Express Velocity Escape Card
$0 annual fee for life, earn 7,500 bonus Velocity points when you spend $300 in the first 3 months.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Commonwealth Bank Low Fee Credit Card
No annual fee for the first year with low ongoing annual fee.
$0 p.a. annual fee for the first year ($29 p.a. thereafter) 19.74% p.a. 5.99% p.a. for 5 months Go to site More info
Learn more about No Annual Fee Credit Cards
  • Low rate credit cards

Low rate credit cards cost less if you carry a balance from month to month. The purchase rate of interest is charged if you’re unable to pay back what you spend when your statement arrives.

Rates last updated June 25th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and a reduced flight offer up to four times a year.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Up to 44 days on purchases Go to site More info
Virgin Money Low Rate Credit Card
A low ongoing purchase rate with an introductory offer on balance transfers, plus a low annual fee.
11.99% p.a. 0% p.a. for 6 months $99 p.a. Up to 44 days on purchases More info
Rates last updated June 25th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Rate Credit Card
Manage your existing credit card balance with 0% for 15 months on balance transfers with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Low Rate Credit Card
A $250 limited time cashback offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016 and a low ongoing purchase rate.
13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer of 0% p.a. for 18 months.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
St.George Vertigo Platinum
Enjoy platinum card benefits with a long term balance transfer of 0% for 20 months and a low annual fee.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
Take advantage of the $250 cash back offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016. A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
13.49% p.a. 5.99% p.a. for 5 months $89 p.a. Up to 55 days on purchases Go to site More info
Citi Simplicity Card
Enjoy a interest-free days and a low interest rate on purchases plus enjoy free bottles of wine from Citibank Dining Program. Offer ends on 31 March 2017.
11.99% p.a. for 24 months (reverts to 19.99% p.a.) $0 p.a. Up to 55 days on purchases Go to site More info
Bankwest Breeze Platinum MasterCard
Enjoy Platinum card benefits offering no foreign transaction fees on online and overseas purchases, a cash back promotion and a balance transfer offer of 2.99% p.a. for 9 months.
12.99% p.a. 2.99% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
  • Frequent flyer credit cards

Virgin frequent flyer credit cards reward you with Velocity Points when you make an eligible purchase — keep an eye out for promotional offers too. Interest-free terms and balance transfer offers can also add extra value. Compare these cards by the extras against the fees and charges, like the annual fee.

Rates last updated June 25th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Rates last updated June 25th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 19.99% p.a. $295 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential Credit Card
American Express Essential Credit Card
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
20,000 bonus points 0.5 1.5 0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2%% balance transfer fee $150 p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 19.99% p.a. $95 p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
20,000 bonus points 0.5 1.5 0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $250 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 20.74% p.a. $249 p.a. Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
70,000 bonus points 1 0 20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
ANZ Rewards Travel Adventures card
1 2 20.24% p.a. $225 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 19.99% p.a. $425 p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
50,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Bankwest Qantas Platinum MasterCard
8,000 bonus points 0.5 0 20.49% p.a. 2.99% p.a. for 9 months $160 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Citi Rewards Credit Card - Signature
75,000 bonus points 1.5 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info

Learn more about Frequent Flyer Credit Cards

  • Premium frequent flyer credit cards

Premium frequent flyer credit cards offer the most perks and more points per dollar spent. Due to the annual fee, big spenders see the greatest benefit from these types of credit cards. Using these cards every once and a while may end up costing you more than what you get back.

Rates last updated June 25th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
Rates last updated June 25th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card
NAB Premium Card
0 0 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $90 p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
0 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 20.74% p.a. $249 p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
1 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Westpac 55 Day Platinum Credit Card
0 0 19.84% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Platinum Card
American Express Platinum Card
100,000 bonus points 0 1 $1,200 p.a. Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 19.99% p.a. $295 p.a. Go to site More info
Learn more about Premium Frequent Flyer Credit Cards

The benefits of banking with Virgin Money

When you apply for a credit card with Virgin Money, these benefits are on offer.

  • Virgin Money credit cards — balance transfer from personal loans and lines of credit

Virgin credit cards can have some great balance transfer offers. Virgin Money are one of a select number of institutions that allow you to transfer your personal loan and line of credit debt to one of their credit cards, as well as letting you transfer other card debt. Other institutions allow balance transfers from credit cards, store cards or charge charges only.

  • Virgin Money — Visa credit cards

Visa credit cards have a couple of benefits that make using the card a breeze. For purchases under $100, you can tap your Virgin Money Visa credit card against a contactless terminal for easy payments. All transactions using the Visa payment networks (online, over the counter and contactless) are protected under the Visa No Liability Policy. This policy gives you a reimbursement if you’re the victim of credit card fraud.

  • Earn Velocity Frequent Flyer Points at BP

Velocity allows you earn 2 Velocity points for every litre of fuel you purchase, up to 150 litres at any participating BP station. You can also earn 2 points for every $1 spent up to $100 for every dollar you spend at BP. Plus, if you use your Virgin Australia Velocity Flyer or High Flyer Card at BP, your standard Points earn rate also applies. This means you could earn Points twice – once on your Velocity membership card and again on your credit card. Find out how to earn Velocity Points at BP through this guide.

How to apply for a Virgin Money credit card

A Virgin Money credit card application can be completed online in under 15 minutes. You can proceed the application by completing the secured online application form for a Virgin Money credit card. Once you submit the application, you should receive a response within a matter of minutes.

Required documents

You will need to provide information about the following if you wish to apply for a Virgin credit card.

      • Personal information. You’re required to provide basic personal information like your address and date of birth. You’ll also need verify your identity using an accepted form of identification.
      • Financial information. You will need to provide information about your income, your living expenses, details of any assets and liabilities and information about any accounts you wish to include in a balance transfer.

Frequently asked questions

We’ve provided answers to some of the most frequently asked questions about Virgin Money credit cards below. If you have a question that hasn’t been answered, get in touch with us using the form below.

How do I know I’m eligible for a Virgin credit card?

The application requirements for each Virgin credit card are different. You can find the eligibility requirements for Virgin credit cards on our review pages. Generally speaking, you will need to answer yes to the following if you want to apply for a Virgin credit card.

      •  Be over the age of 18
      • Be a permanent Australian resident
      • Have a good credit rating

How do I apply for a balance transfer?

If you are a new customer with Virgin requests for a balance transfer can be made in the application for the new credit card. If you did not apply for the balance transfer during the application process, any special offer rates are still available 30 days after your card has been approved.

Existing cardholders can apply for a balance transfer by contacting Virgin Money directly on their dedicated customer service line.

What happens after I apply for a Virgin Money credit card?

You should receive a response from Virgin Money within minutes of submitting your online application for a credit card. You will be contacted on the email you provided to Virgin when you applied. If they don’t get in touch with you, contact Virgin on 13 37 39, and quote your 13 digit application reference number and Virgin will be able to let you know about the status of your credit card application.

How do I balance transfer to a Virgin Money credit card?

To take advantage of a balance transfer promotional offer so you can save on interest repayments, elect to transfer a balance to a Virgin credit card when you apply online. The following account balances can be included in a balance transfer to a Virgin Money credit card.

      • Visa and Mastercard credit cards
      • Store cards and charge cards
      • Personal loans and lines of credit

Keep the following in mind if you want to transfer a balance to a Virgin credit card

      • The account you want to transfer from must be in the same name as the Virgin credit card primary account holder

      • You can use up to on your Virgin credit card towards a balance transfer

      • At the end of the balance transfer promotional period, the cash advance rate of interest is charged on any unpaid amount from a balance transfer promotion

      • You are not eligible for interest-free days as long as you’re carrying forward an outstanding amount from a balance transfer.

If you’re approved for the account, you will also generally be approved for the balance transfer offer. Once you receive and activate the credit card, the balance transfer will be automatically processed by Virgin. Balance transfers can take up to five to 10 business days to process.

How do I find out my credit limit?

Your credit limit is how much money Virgin are willing to lend to you. You can elect to get a specific credit limit or you can elect to get the maximum amount of credit available to you. Each card has a maximum credit limit. You can find this information on our Virgin credit card review pages. You can request a credit limit increase once you’ve received your card and the account has been open for nine months. There is a maximum increase limit of 50% of your current credit limit.

How do I add an additional cardholder to the account?

Refer to our Virgin credit card review pages to find out how many additional cardholders you can add to each Virgin credit card account. You can apply for an additional cardholder when you apply for the credit card. If you’re an existing Virgin credit card account-holder, you can request to add an additional card to your account by completing and sending in an additional cardholder request form, which is available from the Virgin website. Please note that if the additional card incurs an annual fee, it will be charged to the primary cardholder’s account when the supplementary card is issued. It may take up to 10 business days to process and issue an additional cardholder request.

How do I make a repayment on my Virgin Money credit card?

You have the following options to make repayments to a Virgin Money credit card.

  • Direct debit. Jump on the Virgin website and complete and send in a Virgin Money Direct Debit Auto Pay Application Form. This method of payment allows you to automatically pay your entire account balance, just the minimum repayment or a specific amount when your statement comes. The money is taken from a savings or transaction account linked to your Virgin credit card account.
  • BPAY. You can pay your Virgin credit card from another lender’s internet banking facility using BPAY. The Virgin Money BPAY biller code is 49551 and your customer reference number is your 16 digit credit card number.
  • Cheque. Virgin credit card statements are issued with a payment slip. Complete this form and mail it with a cheque to Virgin Money at GPO Box 4299, Sydney, NSW, 2001. Make the cheque payable to your Virgin Money credit card account number and be sure to include the type of credit card you hold. Make sure you write your account number on the back of the cheque.
  • In person at Australia Post. You can pay your Virgin Money credit card at Australia Post using cash or EFTPOS.

What do I do if my credit card is lost or stolen?

If you have lost your credit card or it has been stolen, contact Virgin 24/7 on 13 37 39 (or +6 12 8288 2222 if you’re overseas). A member of the Virgin Money will block your card and arrange for a new one to be sent out to your location.

How secure is my Virgin Money credit card?

Each Virgin Money credit card comes with Fraudshield. This is an automatic system that will raise a red flag if any suspicious activity is detected on your account. Visa’s Zero Liability policy protects you against fraudulent use (online and offline) if your account is compromised. All you have to do is call the customer assistance line, which is open all day every day, and they will instantly put a block on your card.

How do I register for online banking?

You’re able to manage your account online. When you get your credit card head to the Virgin Money website and look for the icon that allows you to register your account as a first-time user. Simply follow the steps to complete the registration and you’ll be able to manage your account online.

What’s my minimum monthly repayment?

Each Virgin credit card has a minimum amount you must pay back if you’re carrying a balance. This is known as the minimum monthly repayment. The amount and due date are displayed on your credit card statement. The minimum monthly repayment is expressed as the greater of a percentage of your total outstanding balance or $30. Check our review pages for specific information about the minimum monthly repayment.

When does my balance transfer offer start?

To activate your balance transfer offer with Virgin Money, you need to activate your card within 3 months from account approval.
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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149
More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59
More info
ANZ First Visa Credit Card - Exclusive Offer
ANZ First Visa Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

30
More info
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47 Responses to Virgin Credit Cards

  1. Default Gravatar
    Miriam | February 18, 2016

    What fees do I incur if I use my Virgin Credit Card (Visa) when travelling overseas – eg: India.

    • Staff
      Debbie | February 19, 2016

      Hi Miriam,

      Thanks for your inquiry.

      There will be a 3.3% foreign conversion fee and $5 cash advance fee for Virgin credit cards if used abroad.

      To compare other options with no foreign transaction fees, kindly check this page.

      I hope this helps.

      Cheers,
      Debbie

  2. Default Gravatar
    Kerry | December 11, 2015

    If I put the high flyer credit card in a business name what is the annual fee

    • Staff
      Sally | December 14, 2015

      Hello Kerry,

      The Virgin Australia Velocity High Flyer credit card has a $144 p.a. annual fee for the first year and $289 p.a. annual fee thereafter.

      I hope this has answered your question.

      Cheers,

      Sally

  3. Default Gravatar
    Al | November 20, 2015

    Hi there.
    Does the Virgin Money Velocity credit card earn points when you make a payment to the ATO?
    I can’t seem to find any information about this in their terms and conditions.
    Hope you can help.
    Cheers.
    Al

    • Staff
      Jonathan | November 20, 2015

      Hi Al, thanks for your inquiry!

      Unfortunately Virgin Money credit cards do not earn any points for ATO payments. You can compare credit cards which earn points paying the ATO here.

      Cheers,

      Jonathan

  4. Default Gravatar
    Ron | August 31, 2015

    What is the maximum amount of GB pounds I can withdraw daily from an ATM in London?

    • Staff
      Jonathan | September 1, 2015

      Hi Ron, thanks for your inquiry!

      The withdrawal limit and maximum amount of GB pounds will depend on your credit card account/ individual credit limit.

      Cheers,

      Jonathan

  5. Default Gravatar
    Bob | August 24, 2015

    Sir,
    I’m have some question: How much could I withdraw in one day? How much could I transfer out in one time?

    • Staff
      Sally | August 25, 2015

      Hi Bob,

      Thanks for your inquiry.

      You can withdraw up to your available cash limit however there is a maximum of $1,000 cash per day. It’s important to remember that the standard cash advance fees and charges may apply when withdrawing cash from your Virgin Money Credit Card Account.

      Cheers,

      Sally

  6. Default Gravatar
    Donald | August 24, 2015

    Hi,

    Me and my partner have a joint loan and want to do a balance transfer to a CC. Is this possible with Virgin?

    • Staff
      Sally | August 24, 2015

      Hi Donald,

      Thanks for your question.

      Just to clarify, are you referring to a personal loan?

      If so, Virgin Money are one of a select number of institutions that allow you to transfer your personal loan and line of credit debt to one of their credit cards, as well as letting you transfer other card debt.

      However, your eligibility requirements will also depend on the level of the debt and your credit history. Should you have any further specific questions regarding your eligibility requirements, I would suggest you get in contact with Virgin Money directly.

      I hope this has helped.

      Thanks,

      Sally

  7. Default Gravatar
    narelle | August 23, 2015

    what is the least amount of money I can borrow

    • Staff
      Jonathan | August 24, 2015

      Hi Narelle,

      Thanks for your inquiry.

      The minimum credit limit varies and depends on the type of credit card you choose. Most Virgin Australia credit cards offer a minimum credit limit of $6,000, but there are some that also offer a higher amount.

      If you wish to find out the minimum credit limit of a specific card, kindly check the Comparison table on this page and click on the credit card of your choice. On the page the product table will provide the details you are looking for, including the minimum credit limit of the respective card you’ve chosen.

      I hope this helps.

      Thanks,

      Jonathan

  8. Default Gravatar
    Hariklia | June 21, 2015

    How does one join Velocity Global wallet visa?

    • Staff
      sally.mcmullen@hiveempire.com | June 22, 2015

      Hi Hariklia,

      Thanks for your question.

      You can apply for the Velocity Global Wallet Visa card online.

      I’ve emailed you a link to the website.

      Keep in mind, you will need to be at least 18 years of age, an Australian resident and a Velocity Frequent Flyer (or opt into the program) to apply.

      I hope this has answered your question.

      Thanks,

      Sally

    • Default Gravatar
      Bob | August 24, 2015

      How much is the limitation of withdraw in one day?
      And how much could I transfer out my money in one time?

    • Staff
      Sally | August 25, 2015

      Hi Bob,

      Thanks for your inquiry.

      You can withdraw up to your available cash limit however there is a maximum of $1,000 cash per day. It’s important to remember that the standard cash advance fees and charges may apply when withdrawing cash from your Virgin Money Credit Card Account.

      I hope this has answered your question.

      Cheers,

      Sally

  9. Default Gravatar
    anne | May 20, 2015

    I am wanting a credit card that gives me points towards flights with a zero annual fee

    • Default Gravatar
      Kim | June 3, 2015

      I am wanting to apply for a credit card for my business purchases. I own a small retail business and it makes sense to get points for shop purchases. I also have a balance with an existing bank credit card.
      Already have a Virgin personal credit card.
      Thanks.

    • Staff
      Jonathan | June 3, 2015

      Hi Kim, thanks for your inquiry!

      Please refer to the following link for a list of business cards and offers.

      Cheers,

      Jonathan

    • Staff
      Jonathan | May 20, 2015

      Hi Anne, thanks for your inquiry!

      Please refer to the following link for a list of frequent flyer credit cards and offers.

      Cheers,

      Jonathan

  10. Default Gravatar
    jason | April 22, 2015

    Hi,
    Is there a credit card with virgin that gives me great points and rewards and also gives me a annual pass to the virgin lounge?

    • Staff
      Jonathan | April 22, 2015

      Hi Jason, thank you for your inquiry!

      You may like to refer to the following link for more information on free access to Virgin Australia airport lounges.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated June 25th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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