Virgin Money Credit Card Application Requirements

Information verified correct on September 27th, 2016

If you are thinking about applying for a Virgin credit card, then you should take a look at this article and find out more information about the application process and what it takes to be approved. You may end up saving some time and energy by finding out that you are not a qualified candidate for this card.

When you apply for a Virgin credit card your financial situation will be checked using a credit assessment system. As responsible lenders, Virgin has to make sure that their customers are not getting into trouble and overspending since national debt and bankruptcy are on the rise.

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Virgin Australia Velocity Flyer Card Offer

Apply for the Virgin Australia Velocity Flyer Card and enjoy bonus Velocity Points on eligible spend within the first 3 months. You can also consolidate your debt with a low balance transfer offer for the first 18 months.

  • $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.

Before filling out an application for a Virgin credit card, check out the list below to see whether you may be eligible or not. It can be quite a bother to fill out an application, only to find out that you have been rejected based on a simple technicality. A lot of people feel that they qualify for a Virgin credit card without actually knowing what it takes to be approved.

Virgin credit card qualifications

Who may not qualify

The following is a list of eligibility requirements needed to qualify for a Virgin credit card. If any of them apply to you personally, then you can still fill out an application, but you may not be approved.

  1. If you rent a house or are a boarder.
  2. If you are a homeowner, (or making payments on a home loan), and have not been living at that property for at least two years.
  3. You have not been with your current employer for more than a year.
  4. You do not have an income tax assessment or payslips to prove your income.

Who will not qualify

If any of the following qualifications are applicable to you, then you will not be approved for a Virgin credit card.

  • Anyone that is not a permanent resident of Australia.
  • Anyone with a bad credit history.
  • Anyone who is younger than 18.

It can be heartbreaking to find out that you have been rejected for a Virgin credit card because of a simple qualification being missing. Use this checklist first, before applying, to find out if it is worth the trouble. If you feel like you may be eligible, then go ahead and make an application.

Virgin Credit Cards Comparison

Rates last updated September 27th, 2016.

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer offer has been extended until 31 October 2016.

September 26th, 2016

Virgin Money Low Rate Credit Card

Balance transfer offer has been extended until 31 October 2016.

September 26th, 2016

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

Balance transfer offer has been extended until 31 October 2016.

September 26th, 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
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Credit Cards Comparison

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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

* 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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