Virgin Australia Velocity Flyer Card – Review & Application
Pros
- Great balance transfer offer.
- Earn up to 15,000 bonus Velocity points
- Get 4 complimentary flights every year with the 2 for 1 flights offer
- Reasonable annual fee for a rewards credit card
Cons
- There is a cap each month of $1,500 for earning points at the higher earn rate of 1 Velocity Point per $1 - after this, it reverts to 1 Velocity Points for every $2 spent
- Only 44 interest free days, compared to many of the other cards which have 55 interest free days
Overall
It's fantastic to have Virgin Money back offering credit cards in the Australian market. The Virgin Australia Velocity Flyer is a stand-out direct earn credit card for the Velocity Rewards program
Related Products
The Virgin Australia Velocity Flyer credit card allows card holders to not only save money, but it can also be used on Virgin flights.
This card offers great value for people who love to travel. Read on to find out all about this innovative Virgin credit card.
| Product Name | Virgin Australia Velocity Flyer Card | |
|---|---|---|
| Balance Transfer Rate | 2.9% p.a. for 6 months | |
| Interest Rate on Purchases | 20.99% p.a. | |
| Offer end date | 30 June 2013 | |
| Annual Fee | $129 p.a. | |
| Interest Free Period | up to 44 days | |
| Interest Rate on Cash Advances | 20.99% p.a. | |
| Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|
$6,000 | |
| Max Credit Limit | $100,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | Visa | |
| Late Payment Fee | $10 | |
| Complimentary Travel Insurance | Yes | |
| Available to Temporary Residents | No | |
| Joint Application | No |
Virgin Australia Velocity Flyer Card Benefits
Virgin uses what are called Velocity Rewards in order to reward its card holders. Velocity Rewards is the award-winning loyalty program of Virgin and it allows you to earn points with each Virgin Credit Card purchase. The more points you have, the more money you’ll save. You can use Velocity Rewards on international and domestic flights to over 400 destinations, various accommodations as well as online shopping.
Virgin Australia Velocity Flyer credit card holders will earn 1 Velocity Point for every $1 spent on the card up to $1500 per month, and then card holders get 1 Velocity Point for every $2 they spend.
Plus when you buy a Virgin Australia domestic seat on your Virgin Australia Velocity Flyer Card they’ll give you a complimentary seat on the same flight up to 4 times every year! You’ll just need to cover the credit card booking fees. Flights subject to availability, conditions apply*.
Other Benefits
Cardholders can also enjoy the following additional benefits:
- Access to exclusive Virgin offers and discounts
- Fraudshield protection
- Zero Liability guarantee
- Option to obtain CreditShield Edge
- Concierge service with 24/7 customer service
Points
- The Virgin Australia Velocity Flyer credit card allows cardholders to earn Velocity points by spending on the card.
- Velocity is the Virgin loyalty program.
- These Velocity points can then be redeemed for flights on Virgin Australia, V Australia, Pacific Blue or any of the Virgin partner airlines, including international airlines which fly to over 400 destinations worldwide.
- The points can also be redeemed for other rewards such as merchandise, shopping vouchers and more.
When it comes to redeeming your points for flights, you can rest assured that there are no blackout periods. You can redeem points for any flight you want at any time you choose. However, remember that it is hard to get a last minute booking during peak travel seasons, so book your flight well ahead of time.
Complimentary Flights
Buy a Virgin Australia domestic seat and you will receive a complimentary flight up to 4 times every year. You just need to cover the credit card booking fees.
About Virgin Money
The Virgin credit card is being offered by Virgin Money, which is the financial services arm of the Virgin Group. Virgin Money was established in Australia in 2003, and has the aim of being a transparent and honest financial services company. They hope to introduce greater customer fairness and competitiveness in the Australian financial services sector.
Virgin Money is focusing on offering great deals and great customer service. The other financial products of Virgin Money include savings accounts, superannuation, car insurance and more.
This Virgin Australia Velocity Flyer credit card is a great offer which you really don’t want to miss out on.
Card Security
Virgin credit card holders can be rest assured that their money is safe because the Virgin Australia Velocity Flyer is alarmed and ready. All card holders automatically qualify for Fraudshield, which detects irregular transactions and flags them for further review. If you didn’t make the purchases, you’re not liable under Visa’s Zero Liability policy.
Card holders also receive advanced online security, the ability to pick up replacement cards with no fuss or long waiting times and customer service representatives are always standing by for whenever you need it.
The best part about the Virgin Australia Velocity Flyer credit card is the fact that it comes with state of the art chip technology. That means tracking fraudulent purchases will be easier, and this should make card holders feel good that their interests are being looked after.
The Application Process
To apply for the Virgin credit card, the potential card holder must be over 18 years of age, earn more than $35,000 per year, be a permanent Australian resident and have a good credit rating.
Then, the potential card holder needs only pick from three different styles of card: Black, red and white.
Before applying, either online or over the phone, potential card holders should ensure they have all income and expense information ready, all account details of any balance transfer requests, a driver’s license if applicable, and the person’s Velocity Membership number if they have one.
With so many features, discounts on Virgin flights, and complete security, this is one card that is sure to take off.
Save on Virgin Flights
New Virgin credit cards allow you to earn Velocity Points that can be used towards Virgin flights. Card holders earn 1 Velocity Point for every $1 spent on their New Virgin Australia Velocity Flyer cards up to $1500 per month, and then card holders receive 1 Velocity Point for every $2. You can redeem your points for some great rewards, including flights, accommodation, car hire and much more.
Security Features
When it comes to security, the New Virgin Australia Velocity Flyer credit card assures customers their cards will be safe around the clock. Customers get Fraudshield, which will automatically detect any purchases that seem out of place, they’ll get Visa’s Zero Liability protection, which prevents customers from having to pay for purchases that aren’t theirs, and advanced online security.
In case a card is lost or stolen, customers can get a quick replacement with no fuss, and customer service is available all the time, twenty four hours per day, seven days per week.
But it’s the state of the art chip technology that is really the heart of the New Virgin credit card’s security. With so many features, discounts on flights, and high tech security, this card is an option for any customer who loves to fly on Virgin airlines.
Read the Virgin Australia Velocity Flyer Card terms and conditions.
| Minimum Income | $35,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $6,000 | |
| Max Credit Limit | $100,000 |
| Annual Fee | $129 p.a. | |
|---|---|---|
| Balance Transfer Fee | 0% | |
| Minimum Repayment | 2% | |
| Late Payment Fee | $10 | |
| Over Limit Fee | $40 | |
| Overseas Cash Advance Fee | $5 | |
| Foreign Currency Conversion Fee | 3.3% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $39 |
Pros
- Cardholders are eligible for four complimentary 'two for one' domestic flights every year with Virgin Australia.
- The $1 per 1.00 Velocity point perk is capped at 1500 spend a month. This cap on points is low compared with other cards and does not give big spenders the opportunity to accrue a great deal of Velocity points.
Cons
- The $1 per 1.00 Velocity point perk is capped at 15000 spend a month. This cap on points is low compared with other cards and does not give big spenders the opportunity to accrue a great deal of Velocity points.
- This card only offers up to 44 days interest free on purchases compared with other cards that offer up to 55.
Read the Virgin Australia Velocity Flyer Card terms and conditions.
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186 Responses to Virgin Australia Velocity Flyer Card – Review & Application
Credit Cards Comparison
* 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.
Are the free flights available from and within WA?
Hi Todd
Thanks for your comment. The flight offer is for up to 4 flight segments per year and is defined as a non-stop flight. e.g. a flight from Brisbane to Melbourne, with a Sydney stopover will be considered as 2 flight segments, Bris ? Syd then Syd ? Melb
The terms and conditions don’t have any restrictions saying that the flights aren’t available from and within WA. The airport however would have to have Virgin Australia flights available.
Cheers
Jeremy
Why is there an intro interest rate on purchases But also and interest free period? I don’t understand how that works.
In the application process text minimum income is $50,000 but in two other places it states minimum income $40,000.
Could you clarify which it is?
Hi Tracey
Thanks for your comment
The minimum income for the Virgin Australia Velocity Flyer credit card is $35,000 p.a.
Cheers
Jeremy
Hi,
With the Virgin Australia Velocity Flyer Card, is this linked to a normal bank account? If so, is internet banking available.
Thanks,
Tom.
Hi,
Just wondering, if you are a student do you get any additional offers such as an annual fee waiver?
Hi Jo
Currently there is no benefits for being a student when applying for the Virgin Australia Velocity Flyer
Cheers
Jeremy
so the nine months are any time after you activate your card or, there is a set date on when the interest free period ends..?
Hi Dany
Thanks for your comment
Here is the relevant information you need from the terms and conditions:
“The balance transfer interest rate applies to balances transferred with this offer at point of application, for the period shown. To be eligible for this balance transfer offer, you need to apply by 31 July 2011. Transferred balances are repaid first during this period. At the end of the balance transfer period, interest rate on any outstanding transferred balance will revert to the interest rate for cash advances”
Cheers
Jeremy
what is the expire on the fly POINTS?
can you wait and wait to accumulate more points?
Hi Maria
Thanks for your question
As long as you continue to occasionally earn or redeem Velocity Points, your Velocity membership never closes and your Points balance will never expire. If you don’t earn or redeem Velocity Points in a three-year period, your Account will become inactive and your membership and Points balance may be terminated.
Yes – you can choose to keep the points in your Velocity Rewards account and continue earning more points.
Cheers
Jeremy
Hi, I am not a Permanent Resident in Australia. But I am resident in 457 work visa since 2008. Am I eligible?
Thanks.
Hi Anantha
Thanks for your comment.
It is best to speak to the Virgin Money customer service team regarding this question
Thanks
Jeremy
what fees are there for zero percent transfers?
Hi Mary
Thanks for your comment
Balance transfers are charged at the balance transfer rate for balance transfers. Please keep in mind new purchases will still accrue interest charges during the balance transfer period
Cheers
Jeremy
can you fly non stop brisbane -perth
Hi Betty
According to the Virgin Australia website, you can fly direct from Brisbane to Perth non-stop. There are some flights which fly via Sydney also.
Cheers
Jeremy
how many points do you need to book a flight and where do i make my payments on the card in adelaide ta
Hi Deb
Thanks for your question
To book a flight, it really depends on the origin and destination. You can use the points calculator on the Velocity Rewards website to calculate the required amount of points.
Bills are payable with either a Funds Transfer (from another bank account), by Direct Debit Auto Pay, Cheque, via Bank@Post at an Australia Post office or via BPay from any other suitable bank account that you have.
Cheers,
Jeremy
If I make a balance transfer of $9000.00 how do I go about it. I am employed and earn > $40,000 per annum.
Hi Rose
Thanks for your question
When applying for the credit card, there is a section specifically for doing a balance transfer where you outline your existing credit card details and balances. The bank will then either give you a cheque to pay off those balances with each provider, or pay each provider directly.
Cheers,
Jeremy
Hi, is it too late to apply for the 0% interest on balance transfer now since it’s August already? Thanks.
Hi Eileen
Thanks for your question
This offer has been extended to the 30th September 2011
Cheers
Jeremy
Hi, before I apply for this card it says you need to have your income details. What exact details will it ask me for in order to prove my income is over $40k? I work casual and my pay rate varies week to week.
Hi Susan,
Your income details are basically what you earn, your employers name and address and phone number. They will also ask you what you spend and what you owe and own too. You will probably have to provide your last few payslips via fax or email as proof of income once the application has been completed. They use this information to determine how much credit should be made available to you. Hope this helps.
Cheers
Jeremy
if you use this card for a balance transfer for the 9 months to get the 0% interest rate, and then after that time balance transfer to another offer do you get penalised?
Hi Tom. There’s no penalty for doing this. In order to make this work, you will need to make sure that for which ever card you chose to apply for, the approved credit limit is higher than the outstanding debt you wish to perform a balance transfer on. Thanks for your question.
hi, where do you go and pay your credit card payments. Is it via online or thru a virgin bank institute. How long will it take for virgin to process the application >
Once the card has been paid, can the credit limit drop to its minimum..??
HI Harold. You can manage the account through My Virgin Money. Once you’ve paid the outstanding balance you can request to have the credit limit lowered to the minimum. Applications take about twenty minutes to complete and you usually have an answer straight after you finish. From there it takes about two weeks before you get your card. Cheers.
Does this card offer a supplementary card for my wife?
Hi Chris,
Yes the Virgin Australia Velocity Flyer Card offers an additional card holder at $39. Thanks.
Cheers
Jeremy
What’s the situation with the t&c’s behind the bonus 20 000 velocity points, is it simply a bonus incentive to attract new customers or do I need to spend say $5000 in the first month to receive it?
Hi Rebecca. To be eligible for the 15,000 bonus Velocity points you will need to spend $5,000 within the first three months of having the card. You will get 7,500 when you apply for the card and make a retail purchase and a further 7,500 if you spend a total of $5,000 on the card in the first three months.
p.s. Apprx. 15,000 points are needed for a Sydney to Melbourne flight.
hope this helps.
Is there a maximum amount of credit transfers you can make ie I earn >$100,000 with 4 credit cards to transfer $40,000 or is there a capping method of your limit based on income? Thank you.
Hi Jodie.
Thanks for your question.
You are able to transfer the balance of your old cards up to the value of your approved credit limit on your new card.
Does the complimentary travel insurance cover all overseas medical emergencies and travel? If you have purchased tickets for overseas travel prior to getting the card, will you still be covered for the trip or do you have to purchase the tickets on the card to avail of the insurance?
Hi Cara,
Thanks for the question. Please refer to the range of exemptions listed on page 19 onwards of the Virgin Australia Velocity Flyer Card terms and conditions – https://my.virginmoney.com.au/global_docs/pdf/CreditCard_Insurance.pdf – In order to be covered by the complimentary international travel insurance you must pay for the flight using your credit card. Thanks.
Cheers,
Jeremy
What is the cost for an additional cardholder?
Hi Cara
The additional cardholder fee is $39 p.a.. You can have up to 4 additional cards on your account.
Cheers,
Jeremy
Can this card be used to for frequent flyer redemption on qantas flights too, or just virgin?
Hi Deborah. Thanks for the question. The Virgin Australia Velocity Flyer Card Rewards points can be used for flights with the Virgin and partnered airlines of which Qantas is not a part. For more information check the Velocity Store. Cheers.
what is the difference between a frequent flyer point and a velocity point? What can I redeem each one on?
Hi Deb. Frequent Flyer is run by Qantas whereas Velocity is a Virgin initiative. Check out our article for further information. Thanks.
We are planning to travel overseas. Which airlines can I redeem my points on?
Hi Deb, According to the Velocity Rewards website, Virgin customers can redeem their points online with Etihad Airways, Delta, Virgin Australia and Virgin Soma You can redeem you points for flights with other partners like Air New Zealand and Singapore Airlines too, but you’ll have to contact VIrgin for further information on the process. Thanks for your question.
who are the virgin partner airlines I travel from Darwin to asia a fair bit
Cheers
Hi Scott
Thanks for your comment
Virgin Australia’s partner airlines include:
- Pacific Blue
- Polynesian Blue
- V Australia
- Etihad Airways
- Air New Zealand
- Delta Airlines
- Skywest
- Virgin Atlantic
- Virgin America
- Hawaiian Airlines
- Malaysia Airlines
- Singapore Airlines
- Airlines PNG
Cheers
Jeremy
Hi is the balance transfer done by BPAY or check? Thanks
Hi Chris. As far as I understand, it’s handled electronically between banks — although it could be check (it does take a few days to process). It is a process that is carried out behind the scenes between the two institutions. Thanks for your question.
Does the 9 month period from sign up date include Cash Advance Purchases that are included in the balance being transferred
Hi Jan. The nine month balance transfer promotional period starts from when the card is activated. It includes all balances transferred from the old card, including cash advances, purchases and other, previous balance transfers. For more information please check our balance transfer credit card comparison page. Thanks for your question.
Please describe the travel insurance component.
Hi David,
Please refer to the terms an conditions for comprehensive details about the complimentary travel insurance, thanks.
Cheers,
Jeremy
Hello, is there a minimum monthly spend / activity for this credit card
Hi Frank,
There is no minimum monthly spend, thanks.
Cheers,
Jeremy
Dear sir
simple question. If I transfer 20,000 across to this card, does that mean that i have to make equal monthly payments $2222.22 for nine months or can I pay any amounts as long as the total is cleared in the interest free period. Thanks
Hi Jess. If you transfer a balance to this card though the balance transfer promotional rate of interest you will have to pay 1.9% on the total amount each month, for nine months. That’s just the minimum repayment, you are free to pay as much as you would like each month. Cheers.
G’day,
Just wondering about interest payments.
My current credit cards interest period begins on the 26th of each month. I make sure I pay off anything I use the credit card by that date so that I never actually incur or have to make an interest payment.
I want to know if it is possible to use this card in the same way, and never actually pay any interest payments? If so, what kind of a timeframe does one have to pay off their transactions or simply clear the cards balance to do this?
Hi Patrick. Thanks for your question and sorry about the delay. This card offers interest free days on purchases. If you pay your bill off in full you won’t incur any interest charges on your purchases. You can let the payment wait until the end of the interest free term and still get interest free days too. This page has information on interest free days really means. Jacob.
can I earn points when I Bpay a bill
Hi Dane. Thanks for your question. It depends on whether the person / organisation is set up as a BPAY Biller. If they are, your transaction will be treated as a purchase and you will earn points; if they’re not set up with the service, you’re payment will be treated as a cash advance as you will not earn points. Cheers.
Balance transfers from other credit cards. Do they have to be made at the time of application or can then be done once the card is issued? Can you transfer more than one and at different times?
Is the low interest rate applicable from the inception date of the card of from the date of the transfer of funds?
Hi Mary. The following is taken from the Virgin Money FAQ Page, ‘You can apply to transfer a balance from another financial institution when applying for your new Virgin Credit Card. All you have to do is give us the key details of the other account, including the name the account’s held in, the type of Card or account it is, the Card or Account number, the amount you want to transfer and the name and address of the organisation that issued the Card or account you’d like to transfer from. Balance Transfers can also take up to 10 working days to process. Click here to find out more.
It’s important to know that any special balance transfer offers are only available for 30 days after your card is approved. So it’s best to request a balance transfer when you complete your application or soon after your card has been approved.’
Hope this helps.
Please advise:
Do low interest balance transfer have to be done at the time of application or can they be done at a later time?
Can you transfer more than one credit card balance at different times?
Does the low interest rate apply from inception date of the card or from the date of transfer?
Hi Mary. Apologies in the delayed response, but here is goes;
1) The Virgin websites states that, ‘When you apply for a new Virgin Credit Card, you can apply for a Balance Transfer. Any credit account balances with other financial institutions/stores, such as: Visa and MasterCard (all banks), Most store cards (e.g. David Jones and Myer), Personal Loans, Lines of credit.’ Generally the wording of these things is to be taken literally, so, you will need to apply for a balance transfer at the time you apply for the credit card.
2) You are able to consolidate a multiple credit cards debts to Virgin credit cards (up to 80% of your approved credit limit) – once again to be done at the time of card application.
3) The applicable interest rate applies from when the card is activated. Although you apply for a balance transfer when you apply for the credit card, it is not processed until you activate the credit card (this is when the promotional interest rate starts).
Thanks for your question. Ask again if you have questions about balance transfers.
Jacob.
I want a card for my wife who is not working.
Can I get a supplementary card for her?
Can I get a card for my wife and also where are payments made.
Hi Rob
Yes you can – The additional cardholder fee is $39 p.a.. You can have up to 4 additional cards on your account.
Virgin Money offer the following card repayment methods:
- Direct Debit Auto Pay
- BPAY®
- Cheque
- Payment at Australia Post using cash or EFTPOS
Cheers
Jeremy
Is their a charge to have a Virgin Credit Card
Hi Maree
Thanks for your question. The Virgin Australia Velocity Flyer Card has an annual fee of $99 p.a.
Cheers,
Jeremy
Hi Jeremy,
Does the interest free period for purchases apply to overseas transactions? Will there be a currency conversion fee?
Thanks,
Brenton
Hi Brenton
I have confirmed that the 0% purchase rate offer applies to overseas transactions.
There is a Foreign Currency Exchange Fee for Visa transactions of 3.3%. When you use your card overseas, a foreign currency exchange fee is charged on all retail and cash transactions that are converted into Australian dollars. On your statement, you will see overseas transactions converted to the Australian dollar value and including the fees as one single transaction.
Cheers
Jeremy
Why is this and several other credit card websites promoting 0% interest on cash advances for 6 months until 31st December 2011. Then when you ring up not true and never has been.
Hi Susan,
Thanks for the comment.
The Virgin Australia Velocity Flyer Card is offering a 0% p.a. for 6 months interest rate on cash advances exclusively online.
Point 6 in the terms and conditions states: 6. The 0% p.a. interest rate applies for the first 6 months on purchases, cash advances and balance transfers.
I have confirmed this with Virgin Money and this is definitely the case should you apply for the Virgin Australia Velocity Flyer Card via our website.
Cheers,
Jeremy
What information do you require if we apply as a small business?
Hi Kylie. Thanks for your question. This card is available for personal applications only. You can apply in your own name and use this card for business spending; however, you can’t apply in a business’s name. For a comparison of business credit cards, check this page. Jacob.
Applied for a credit card with Virgin on Thurs 10.11.11.
Was my application approved? 2011111532135. Thanks Jeni
Hi Jeni. Please contact your lender directly. Please refer to our page on the topic for further information. Thanks.
The application asks for time with employer but I’ve just started with a new employer. Will this affect the application?
Hi Joanne
Employment history is certainly taken in to account in the credit card application process.
Cheers
Jeremy
can i use the cash advance to pay a personal loan?
Hi Sarah,
Yes you may providing the loan is less than your maximum credit limit, but beware of the interest rate charged on cash advances as it is very high. Generally speaking, you should avoid cash advances as they are very costly. Thanks.
Cheers,
Jeremy
The cash advance rate on this website is listed as being “0% p.a for 6 months – reverts to 20.99% p.a. ” however there is no reference to this rate on the Virgin Money Website. Is this rate correct?
Hi JK. Thanks for your question. The cash advance rate listed in the product table is correct. Please check the page for up-to-date information about rates and fees. Sorry it’s taken so long. Jacob.
can you consolidate personal loans as well?
Hi Jamie. Thanks for your question. Virgin do not allow the balance of a personal loan to be transferred to their credit cards. Citibank are one institution that does allow customers to do this. Hope this helps.
I would like to transfer from my current credit card (Citibank Gold Visa), however, I’m not working full-time at the moment. I’ve had the credit card for the past 10 or so years, so I hope this won’t be a problem. THanks!
Hi Remy. Thanks for your question and apologies it’s taken so long to get back to you. If you are not working full time, you’re still eligible to apply for this card – as long as you meet the minimum income requirement and other application criteria. Please be aware though, that your credit limit will be based on your current financial situation, which may mean you are not able to transfer the whole balance from your old card. Jacob.
Is there an internet facility for checking the current account balance on a Virgin Australia Velocity Flyer Card?
Hi David. Log on to My Virgin Money to manage your account online. Thanks for the question.
Hi
I have two credit cards I want to transfer from to this one. Approximately $3,500 in debt, if I am unable to pay off the $3,500 in six months, do I pay the interest on this total amount or the outstanding amount.
Hi Kim
At the end of a balance transfer period, the interest rate reverts to the cash advance rate which is applied to the outstanding balance.
Cheers
Jeremy
With the buy 1 airfare and get 1 free is that for a return flight or is that just one way. So if I was to fly from Perth to Melbourne and back I would only use 1 of my four complementary flights per year?
Hi Joe. Thanks for your question. The following is taken from the Virgin ‘Four Complimentary Flights Information Page‘:
Here’s how it works:
Within 10 days of your Virgin Australia Velocity Flyer card being approved, your Velocity Frequent Flyer account will be updated to show your ‘Complimentary flights’ redemption activity. As soon as your Velocity account has been updated, you can call Virgin Australia to book your flights. You can buy one seat and get a 2nd complimentary seat when you fly domestically on Virgin Australia and it’s available for Saver, Flexi, and Business fare classes only. Saver Sale fares cannot be used as part of this offer.
The primary cardholder must always be one of the guests travelling. Flights for this offer can only be booked by the primary cardholder.
It’s important to know that the flights for this offer cannot be booked on the internet and seats are subject to restricted availability. Seat availability and fare prices advertised on the Virgin Australia website are not indicative of the seats and fare prices available for this offer. Seat availability and fare prices available as part of this offer are managed separately by the Virgin Australia Guest Contact Centre.
Your bookings must be made a minimum of 21 days in advance of travel so when you’re ready to book your flights, give our friends at the Virgin Australia Guest Contact Centre a call on 13 67 89 and have your Virgin Australia Velocity Flyer Card and Velocity membership number handy and quote promotion code: ’2FOR1CC1′. The Virgin Australia Guest Contact Centre will be happy to consider other dates you may wish to travel as some dates are more restricted than others.
The complimentary seat is worked out by giving you a 50% discount off the total fare (taxes included) and standard credit card fees apply, the amount will be advised to you at the time of making the booking and you must use your Flyer Credit Card to pay for the tickets.
The offer is for up to 4 flight segments per year and a segment is defined as a non stop flight. So if your flight has a pitt stop on the way to your destination, that is classified as two flight segments (e.g. a flight from Brisbane to Melbourne, with a Sydney stopover will be considered as 2 flight segments, Bris ? Syd then Syd ? Melb).
Both Virgin Australia Guests must be booked to travel together at all times in order to be eligible for the offer. This means that the Itinerary cannot be split, and all flight changes must be made for both Guests.’
G’day,
Is the complimentary travel insurance domestic only or international? There was no further info on the Virgin Money website about this, unless you started your application for the card… not good.
Hi Paul,
Thanks for your question. The terms and conditions set out the guidelines for complimentary international travel insurance, transit accident insurance and interstate flight inconvenience insurance. Interstate Flight Inconvenience Insurance and Transit Accident Insurance cover you and your family for things like missed flights and lost luggage etc. when in a domestic terminal, while the international cover includes your entire overseas trip. Please check the fine print by following the terms and conditions link at the bottom of the page for further information or don’t hesitate to give Virgin a call for clarification on certain points. Hope this had helped. Cheers.
Jeremy
Hi
Our company is looking for a new credit card with that offers free & discounted flights outside Aust. We spend about $50-$60k on the credit card & looking to increase it. Also employee credit cards controlled by the main one, and also earns points for free flights. What’s the best no. to contact you? We have quite specific needs. Thanks
Hi Jeanette,
What you’re looking for is a business credit card that is coupled with a rewards program to take advantage of your company spending. There are quite a few out there tailored to specific needs; however, a card like the American Express Platinum Credit Card offers supplementary cards to your employees at no cost has no spend / credit limit. Please check our business credit card comparison page for further information. – http://www.creditcardfinder.com.au/business-credit-cards
Cheers
Jeremy
Can i purchase flights that are on sale with virgin and still earn points???? Can i use my points on flights that are on sale with virgin??? And can i purchase flights with other airlines and still earn points????
Hi Linda. Thanks for your question. You can earn an unlimited amount of Velocity points per month, but the rate of accrual will change. For the first $1500 spent, you will earn at a rate of 1:1. and 0.5:1 Point to dollars after that. You will earn points when you use your card to purchase Virgin flights (sales and promotions included) and when you use your card to purchase flights from another airline, say Qantas. Hope this helps.
Jeremy,
If I was to buy 2 flights with the Virgin Australia Velocity Flyer Card under the 2 for 1 deal, Would I be credited back for 1 flight? or be issued with a flight voucher? or only pay for 1 flight?
Hi Brett. This is from the Virgin Flyer ‘Up to 4 complimentary flights every year’ website: ‘The complimentary seat is worked out by giving you a 50% discount off the total fare (taxes included) and standard credit card fees apply, the amount will be advised to you at the time of making the booking and you must use your Flyer Credit Card to pay for the tickets.’ Thanks for your question.
Hi
Can you use any reward points earned to pay the annual fee + any additional card holder fees?
Thanks
Hi Shane,
Velocity Rewards can be redeemed to pay for flights or flight upgrades, car hire, accommodation, travel and entertainment, shopping and chartable donations. You are not able to use the points to pay for the card’s annual fee of any additional card holder fees. Thanks for the question.
Cheers
Jeremy
Can you have a joint account on one of these cards? Two of us want to share one.
Hi Sarah,
If you have two people that would like to share a Virgin Australia Velocity Flyer Card you are able to have up to four supplementary card holders with this card. This is not the same as a joint account but spending across all cards will go towards earning points on the one account. The supplementary card holders will not be able to make changes to the account but are authorised to make purchases. Cheers.
Jeremy
With the Virgin Australia Velocity Flyer Card, can you transfer balances from a personal loan with another institution, as opposed to from a credit card?
Hi Andy,
Virgin do allow you to bring the balance of a personal loan to their credit cards. Citibank also offer this feature. Thanks for your question.
Cheers
Jeremy
How many points are required to purchase ONE kilometre of air travel? Thanks.
Hi,
Thanks for your question. We couldn’t find the exact conversion because miles are calculated in blocks on the Velocity Rewards website. A flight between Sydney and Melbourne is 456 miles and requires 6900 rewards for an economy seat. There are a host of other airlines that act as Virgin partners that all have different standards for calculating the milage value of their rewards. Cheers.
Jeremy
why is it so hard to get a virgin credit card statement ? I have to ring some place very far away from Australia to get an answer that apologizes for this BUT does not improve. Getting same online – guess that is easier than flying without wings. There has to be a way of getting a statement easier.
Hi,
Thanks for the question. We found this on the Virgin Australia Velocity Flyer Card website: “We send you a monthly statement or email you a reminder to view your statement online if you’ve used your card or maintained a balance during the previous month. But if you require another copy posted to you, you’ll need to pay $7 per statement. It’s so easy to avoid this fee, simply log on to your account at my.virginmoney.com.au, where you can view and download your statements at no charge.” We hope this has helped.
Cheers,
Jeremy
i fly from sydney to perth and back a lot. are the complimentary seats available for this route?
are there any restrictions on domestic flights with in australia?
Hi Justin,
The Virgin Australia Velocity Flyer and High-Flyer cards offer four ‘buy one get on free’ domestic flights within Australian every year. You will need to cover the credit card booking fees and the available seats are the Saver, Flexi, and Premium fare classes and not sale fares. The offer is also restricted by seat availability, the Primary Cardholder must always be one of the Guests travelling on the booking, bookings must be made a minimum of 21 days in advance of travel, the two people must be travelling together and you must book over the phone and not over the internet. For a full list of restrictions, refer to the terms and conditions found here
Cheers
Jeremy
Hello,
I would like to apply to for your Virgin flyer credit card. I have had an American Express card through my fathers card for 4 years and have always paid it off. Last year I earnt $28000. Is it possible for me to apply for this credit card.
Kind Regards,
Kate
Hi Kate,
This shouldn’t be an issue, please check the review page to be redirected to a secure Virgin Australia Velocity Flyer application page.
Cheers
Jeremy
Can the card be in joint names, and therefor joint income requirements?
Hi,
Thanks for your question. The Virgin Australia Velocity Flyer and Virgin Australia Velocity High Flyer credit cards do not allow joint account holders with equal access to things like raising and lowering the credit limit and closing the account. Both cards do allow up to four additional card holders that may accrue points for the one account. Cheers.
Jeremy
I have made a purchase an interest free period on a credit card, if i was to transfer to your card, would i be looking at extra fees from the other card company.
Please email me as i am wanting to change credit card companies.
Hi,
There is currently no fee from Virgin for performing a balance transfer to one of their cards. Cheers.
Jeremy
How and where can I make repayments on the card if approved?
Hi,
The Virgin credit cards can be paid through online banking or over the phone thanks for your question.
Cheers,
Jeremy
Hi, with the balance transfer offer, do you have to close the previous credit card or can you keep both going if your income supports it?
Hi,
Thanks for the question. You do not have to close the account once you have performed a balance transfer, however it is always a good idea to do so to avoid the temptation of spending on your old card. Cheers.
Jeremy
Is there any complimentary travel insurance included
Hi,
Unfortunately, the Virgin Australia Velocity Flyer does not comes with complimentary travel insurance, this is a however a feature that is offered with the Virgin High-Flyer. Cheers.
Jeremy
I wish I could get my statement on line – I’m told its easy ! But it is not. Surely there has to be a way of doing this with little trouble. I have registered etc AND have received an email to tell me that my statement is available – but no its not. The phone in service is not too good either.
S Jourdan
i am currently a virgin flyer cardholder. the 6mth interest free period is about to expire on my card. i would like to take advantage of this offer of 1.9% int for 9mths. i am hoping that current customers are not ineligible as I would hope that virgin is the type of company that rewards loyalty. Can you tell me how I would go about applying for this current offer.
Hi Tina,
Thanks for the question. A balance transfer taking advantage of the low introductory rate of interest is available to new customers only. In addition, it is not possible to do a balance transfer from an existing Virgin credit card to a new Virgin credit card. Cheers.
Jeremy
Is the Virgin Australia Velocity Flyer Card available to small business? If not do you have a Credit card that is just for Small Business?
Hi Lynette. Thanks for your question. Virgin do not offer a business credit card. Generally, unless it states the card is for business purposes, business are unable to apply for the card. for more information about this please refer to our business credit card comparison page. These cards are open to business to apply for and offer the opportunity to earn rewards on business spending. Jacob.
If you do a balance transfer do you get Rewards points for the amount transferred or is it just for new purchases on that card?
Hi Penny. Sorry for the delay in this response. Points are not earned on balance transfers or cash transactions. Thanks.
Can I please have list of international flights where i can redeem my rewards point?
Also will I still earn velocity point on 1$ spent even if I don’t spend more than 1500$ per month ??
For a list of flights please refer to the Velocity Rewards Store Website, they have an interactive map showing the airlines you can travel with and the destinations you can travel to. You will earn 1 Velocity point per dollar spent up to $1500 per month. There is a cap each month of $1,500 for earning points at the higher earn rate of 1 Velocity Point per $1, after this, it reverts to 1 Velocity Points for every $2 spent. Thanks.
Is a balance transfer from a Credit Union personal loan available with this offer?
Hi Genie. Thanks for your question. Virgin do allow you to consolidate the balance of a personal loan to a credit card. : ‘Visa and MasterCard (all banks) Most store cards (e.g. David Jones and Myer) Personal Loans & Lines of credit.’ Hope this helps.
I have recently moved from NZ to Brisbane and would like to transfer a BNZ Visa card balance to Virgin CC in Australia.
I earn $90K PA
Cheers,
Michael
Hi Michael,
Thanks for the questions. One of the terms and conditions of a balance transfer across all Australian lenders is that the balance must not be brought from an overseas account. Cheers.
Jeremy
If I transfer $25,000 from my existing two credit cards, are my existing cards cancelled? Also what would be the minimum monthly repayments be if no new charges are added to the card. Finally, if I buy flights on the card, is interest charged from the 1st day? If this is the case if I pay for the flights straight away will interest still be charged at the 20.99% rate?
Hi Maurice. Thanks for the question and apologies for the delay in my response. To answer your questions:
1) Your existing credit cards are not cancelled after you carry out a balance transfer, it is your responsibility to do this if you choose to do so.
2) The minimum monthly repayment for this card is currently 2% – You will have to pay 2% of the total balance each month to keep your account in good standing.
3) Normally, when you put a purchase on the credit card, you will receive up to 44 days interest free days; however, if you have a balance transfer balance, you will not get interest free days and interest will be charged from the day you make a purchase. If you pay the card off the same day, you won’t be charged interest – interest is calculated daily.
Jacob.
if I book a flight can I take the complimentary at the same time for my partner ie:( book one get one free )
Hi Kim. Yes, you can do this. Please refer to our page on the Virgin free flights offer for more information. Jacob.
Can you have additional card holders?
Hi Karen, thanks for the question. The additional cardholder fee is $39 p.a. You can have up to 4 additional cards on your account. Hope this has helped.
Hi
I earn over $40000 pa, however am on maternity leave, can I still apply?
Hello Trinh,
thanks for the question!
Being on maternity leave isn’t a problem as long as your gross income for the year still satisfies the requirement.
I hope this helps,
Marc.
do you earn velocity points on the balance transfer amount?
Hi Amanda. Thanks for your question. You only earn Velocity Rewards on eligible purchases. That’s everything except: ‘cash advances, balance transfers, special promotions, fees, purchases of foreign currency, travellers cheques, interest charges, government charges, insurance charges, payments to loan accounts, purchases in excess of limits on the account, transaction made in the operating of a business and if the account is more than $10,000 in credit.’ Hope this has helped.
Can I get a balance transfer card and transfer the balance from 2 different cards onto one?
Hi Karen. Please refer to our article transferring multiple balances to the one card for an answer to your question. Hope this helps.
It says booking the complimentary flights the prices on the website are not valid, you have to go through the virgin client services center, does this mean they will charge you more for the flights than say a saver fare online? thus losing the benefits.
Hi Josh,
thanks for the question.
The terms and conditions for this offer state it can be used in Saver Lite, Saver, Flexi and Business fares, meaning you’re not required to purchase a more expensive ticket.
I hope this answers your question.
Marc.
Sorry, please disregard last question, I have seen the answer. If there is an additional cardholder, can they have full access to all matters. My current card provider won’t give ANY help or information to the additional card holder.
Hi Alison. An additional cardholder can do things like spend, they can’t increase / decrease credit limits or make administrative changes to the account. Thanks for your question.
Hi
I have an outstanding loan balance with Esanda Finance. Am I able to transfer this balance onto the credit card for the low interest rate for 12 months? Loan balance is approximately $8400 AUD
Cheers
MAtt
Hi Matt. According to the Virgin website, ‘When you apply for a new Virgin Credit Card, you can apply for a Balance Transfer. Any credit account balances with other financial institutions/stores, such as: Visa and MasterCard (all banks), Most store cards (e.g. David Jones and Myer), Personal Loans, Lines of credit.’ Thanks for your question.
Do I earn velocity points on credit card purchases during the balance transfer period?
If I make a credit card purchase during the balance transfer period does this affect the low transfer interest rate? Or will the new purchase be just be charged at the normal interest rate?
Hi Michael. Thanks for your question. Points will still be earnt on purchases made while you have a balance transfer balance being charged to your account. This balance transfer rate will not be affected by purchases you make during this period, only that if you have a number of transactions charged at different rates of interest (cash advances, balances transfers and purchases) the debt that attracts the high rate of interest will be paid first. For further information on this, refer to our article on the allocation of repayments to your credit card. Hope this helps. Cheers.
currently a silver FF and trying for gold status. Would taking out a virgin credit card give me any extra status points to achieve this? Current monthly spend is around $,1500.
My current card is a Citibank platinum and a joint Amex with my husband.
Regards,
Linda
Hi Linda. Status points are earnt on flights on Qantas and Oneworld alliance partners. Taking out the Virgin card would not earn Qantas Frequent Flyer Status credit as the Virgin credit card is linked to the Velocity frequent flyer program. Thanks for your question.
what is a ‘velocity point’? For example what does 1000 points accrue or 15,000 or ….?
Hi Brian. A Velocity Point is the currency of the Velocity Frequent Flyer Program. It’s Virgin’s answer to Qantas Frequent Flyer points. These points can be redeemed for flights and gifts to name a few things and if you check the rewards program tab at the bottom of the Virgin Australia Velocity Flyer Card Review page, you will find information about the value of these points in relation to how much you have to spend to get from Sydney to Melbourne. Thanks for your question.
Hi
Can I apply with my daughter because my income is low, around $25,000?
I am an Etihad airline silver member ,can I use my points for etihad in the future?
thanks
Hello Jilla,
thanks for the question.
Unfortunately this card doesn’t allow joint applications, and has a minimum income of $35,000. To answer your second question Velocity points can be redeemed for Etihad flights.
I hope this answers your questions,
Marc.
Is there any travel insurance offered with the Virgin cc like other ccs?
Hi Michelle. This card does not offer complimentary travel insurance, for a list of cards that do have travel insurance, please check our rewards and frequent flyer credit card comparison pages. Thanks for your question.
Can you use your frequent flyer points to purchase travel for a family member or friend who does not hold an additional card
Hi Helen,
You can do this at here and login, you will be able to transfer points online to a Velocity Frequent Flyer member using the ‘points transfer’ button. Your friend or family member will have to use their email to set up a free Velocity account to enable this. You will have to transfer a minimum of 5,000 points. The maximum transfer is 100,000 points, and you can make four transfers per year.
Hope this helps.
what benefits do i have to change from my normal westpac 6,0000 limit credit card? i do an annual trip to the USA a year and fly a few domestic flights!
Hi Dane. What type of Westpac card do you have and what is your approx annual spend on your card?
Hi,
If I use this Virgin card to book my flights, will I receive my Velocity point for the flight PLUS points for using my card? Thank you
Hi Andrew. Thanks for your question. The Virgin Flyer Card earn rate is, 1 Velocity Point for each whole Australian dollar up to $1,500 each Statement Period and 0.5 Velocity Points for each whole Australian dollar thereafter.’ The product documents do not mention additional points for purchases made with Virgin. Cheers.
How many additional card holders are available on this card, and is there any cost for additional holders
Hi Sue. The additional cardholder fee is $39 p.a.. You can have up to 4 additional cards on your account. Cheers.
I run a small business can i make fuel purchase with this card at shell or woolworths
Hi Brett,
That’s a great question.
This card cannot be used for business purposes unfortunately. The terms and conditions state it can only be used for domestic, household or personal uses. For a list of business credit cards visit this page here.
I hope this answers your question.
Marc.
when taking up the flight offer, how must the tickets be bought ie and what happens in the case of a special deal
Hi Phillip. Please refer to this article for an explanation of how the Virgin Free Flight offer works. Thanks for your question.
is this card available to New Zealand residents
HI Derek. Thanks for your question. This card is available to Australian residents only. Please refer to Credit Card Finder New Zealand for a comparison of cards available to New Zealand residents. Cheers.
Does this card give you International travel insurance?
Hi Peter. Thanks for your question. Yes, this is an included benefit with this card – it’s provided by Allianz. Please consult their website for the terms and conditions.
Are their any complimentary Virgin
points on opening card
could you send conditions of travel
insurance included in the card
Hi Warren. Thanks for your question. I’ve sent the travel insurance terms and conditions in a separate email. You can earn up to 15,000 bonus points when you apply for this card and spend within the first three months. According to the Virgin website, ‘Get 7,500 bonus Points when you apply by 30 June and make a retail purchase within 3 months of card approval. Get an additional 7,500 bonus Points when you spend $5,000 within 3 months of card approval.’ Hope this helps.