Virgin Credit Cards

Virgin Money Credit Card Logo

Compare Virgin Money credit cards to earn more Velocity Points and get flights on the cheap

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 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 No Annual Fee Credit Card

Take advantage of the 0% p.a. for 14 months balance transfer offer.

  • $0 p.a. annual fee
  • 18.99% p.a. on purchases
  • 0% p.a. for 14 months on balance transfers
  • Cash Advance Rate of 20.99% p.a.
  • Up to 44 days interest free
  • Minimum Income Requirement of $25,000 p.a.

Comparison of Virgin Money Credit Cards

Rates last updated March 3rd, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
No annual fee for the life of the card and a 0% p.a. for 14 months offer on balance transfers. 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 Velocity Points when you spend $5,000 or more in first 3 months. 0% p.a. for 16 months on balance transfers. 20.74% p.a. 0% p.a. for 16 months $129 p.a. 20.99% p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Earn up to 20,000 bonus Velocity points and a reduced annual fee for the first year. 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) 20.99% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
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% 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. 20.99% p.a. Go to site More info
Virgin Low Rate Credit Card
Virgin Low Rate Credit Card
A low interest rate on purchases with a low balance transfer offer. 10.99% p.a. 0% p.a. for 6 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.69% p.a. Go to site More info

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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.

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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.

  • Virgin Money credit cards — get cheap flights with Virgin

    Virgin Money frequent flyer account-holders can save on airfares when they fly with a friend. Get 50% off the price of a Virgin Saver Fare booking when you pay for both tickets on your Virgin Money frequent flyer credit card.

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How to apply for a Virgin Money credit card

A Virgin Money credit card application can be completed online in under 15 minutes. Click ‘Go to Site’ to open a secure online application for a Virgin Money credit card. Once you submit the application, you should receive a response within a matter of minutes.

Information you need to apply

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.

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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

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 80% of credit limit 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.

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17 Responses to Virgin Credit Cards

  1. Default Gravatar
    Sharon | February 17, 2015

    Is the Velocity frequent flyer card – a credit card as such or can you use it like a visa debit card in which purchases come from my own money.

    • Staff
      Jonathan | February 18, 2015

      Hi Sharon, thanks for your inquiry!

      The Velocity Frequent Flyer Card is a credit card. Purchases will be charged at the applicable purchase interest rate.

      Cheers,

      Jonathan

  2. Default Gravatar
    liz | February 5, 2015

    Do all Virgin credit cards earn Velocity points?

    • Staff
      Jonathan | February 5, 2015

      Hi Liz, thanks for your inquiry!

      At this point of time all Virgin Credit cards earn Velocity points, with the exceptions of the Low Rate Credit Card and the No Annual Fee Credit Card.

      Cheers,

      Jonathan

  3. Default Gravatar
    Paul | August 6, 2014

    we have approx. $13500 on 4 credit cards and looking at doing a 0% consol.
    as I fly for work can we still have a separate card for daily purchases
    cheers

    • Staff
      Shirley | August 7, 2014

      Hi Paul,

      You can still use the same card that you transferred your balances to for daily purchases, because it’s linked to the same account.

      If you’d like to request an extra card/additional card holder, you can do this by submitting a ‘additional credit card request form’ to Virgin Money. This form can be found o their website.

      Cheers,
      Shirley

  4. Default Gravatar
    Wayne | October 29, 2013

    Who are Virgin credit cards managed by ?

    Thanks

    • Staff
      Jacob | October 29, 2013

      Hi Wayne.

      Citibank is the credit provider for Virgin credit cards.

      Thanks for your question.

  5. Default Gravatar
    Shaun | October 23, 2013

    How do I apply for a credit card while n a 457 visa?

    • Staff
      Jacob | October 23, 2013

      Hi Shaun.

      Virgin credit cards are available to permanent Australian residents only.

      You can have a look at credit cards for temporary residents on this page. You will need to apply for a card in person if you’re eligible.

      Thanks for your question.

  6. Default Gravatar
    Flanagan | August 2, 2013

    I have a dispute with Virgin Cards and can’t even get an answer to a registered letter addressed to your Head of Cards. Just before I contact Consumer Affairs I make this last effort for you mob to contact me.
    Yours.
    Bruce.

    • Staff
      Jacob | August 2, 2013

      Hi Bruce.
      Thanks for getting in touch with us about your question.
      I should start by saying that Finder.com.au is a comparison and information service. Virgin have a dispute resolution in place. You can download a credit card dispute resolution form from there website. Have you filled in one of these forms and sent it to them? Credit cards providers have specific processes in place to deal with your type of request, and attempts to get a result by working outside the process will often lead to a dead end. If you have contacted Virgin directly and you’re unable to get a result, you may want to take your compliant to your states relevant financial ombudsman service.
      I hope this helps.
      Jacob.

  7. Default Gravatar
    Debora | April 25, 2013

    My husband and I already have an NAB Velocity visa card that we took out in 2005. Virgin did not have it’s own credit card at that time. Can you please advise what advantages there would be (if any) if we were to switch to a Virgin Credit card?
    Many thanks, Debora

    • Staff
      Jacob | April 26, 2013

      Hi Deborah. Thanks for your question. It really does depend on what type of card you currently have an the type of Virgin card that you’re looking to apply for – as each level of card (standard / platinum etc.) offer different features. The Virgin High Flyer, for instance, offers complimentary flights every year you have the card in addition to complimentary international travel insurance, while the NAB Velocity Rewards Premium Card offers seven different complimentary insurances – this is just comparing some of the features. You can find information about the interest rates and interest free days in the card’s review and application pages. If you would like to provide a little more information about the two cards you’re interested in comparing. I can give a better answer and help you with your comparison. Jacob.

  8. Default Gravatar
    ANDREW | April 14, 2013

    Hi, Just wanted to know if Virgin money is underwritten by Citibank for this credit card?

    Cheers.

    • Staff
      Jacob | April 14, 2013

      Hi Andrew. Thanks for your question. That’s correct. However Virgin are entering into a partnership with Bank of Queensland in the coming months. It may be worth adding: Citibank also underwrite Suncorp, IMB & CUA. HSBC underwrites Woolworths credit cards, Commonwealth Bank underwrites Bankwest, Westpac underwrites St.George and Bank of Melbourne. Jacob.

    • Default Gravatar
      ANDREW | April 14, 2013

      Cheers for the reply.

Credit Cards Comparison

Rates last updated March 3rd, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
A low annual fee and low interest rate offer on balance transfers. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Receive 7500 Qantas Points and pay no annual fee ever. Plus earn 1 Qantas Point per $1 spent on all your everyday purchases. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 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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