Virgin Money
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Virgin Credit Cards

Compare Virgin Money credit card features including bonus Velocity Points, 0% balance transfer offers, competitive rates and perks.

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From frequent flyer rewards cards to low rate and no annual fee options, Virgin Money credit cards offer something for every type of spender. Depending on the card you choose, you could also get an introductory 0% interest rate on balance transfers or purchases, bonus points and platinum perks such as complimentary insurance and flight vouchers.

Virgin Money was also recognised in the Finder Credit Card Awards for 2023, with the Virgin Australia Velocity High Flyer named as highly commended in the Best Frequent Flyer Credit Card - Velocity category.

Compare Virgin Money Credit Cards

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Name Purchase rate p.a. Annual fee Balance transfer rate p.a. Amount Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Finder AwardVelocity Frequent Flyer
Purchase rate p.a.
20.74%
Annual fee
$0 first year ($149 after)
Balance transfer rate p.a.
0% for 24 months, then 20.99%
$1,413.89 over 24 months
More Info
Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.
Virgin Money No Annual Fee Credit Card
Purchase rate p.a.
0% for 12 months, then 18.99%
Annual fee
$0
Balance transfer rate p.a.
0% for 12 months, then 20.99%
$927.32 over 12 months
More Info
Save with a $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
Virgin Money Low Rate Credit Card
Purchase rate p.a.
11.99%
Annual fee
$99
Balance transfer rate p.a.
0% for 15 months, then 21.69%
$937.92 over 15 months
More Info
Offers 0% p.a. for 15 months on balance transfers, with no balance transfer fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Velocity Frequent Flyer
Purchase rate p.a.
20.74%
Annual fee
$74 first year ($149 after)
Balance transfer rate p.a.
0% for 12 months, then 20.99%
$853.32 over 12 months
More Info
Get up to 60,000 bonus Velocity Points on eligible spending. Plus, a 0% balance transfer offer and a yearly $129 Virgin Australia Gift Voucher.
Virgin Australia Velocity High Flyer Card
Finder AwardVelocity Frequent Flyer
Purchase rate p.a.
20.74%
Annual fee
$329
Balance transfer rate p.a.
0% for 12 months, then 20.99%
$598.32 over 12 months
More Info
Get up to 80,000 bonus Velocity Points when you meet the spend criteria. Plus a $129 Virgin Australia Gift Voucher and 2 lounge passes per year.
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If you're looking for other cards that earn Velocity Points, check out our comprehensive guide to Velocity Frequent Flyer credit cards.

Types of Virgin credit cards

  • Frequent flyer credit cards

The Virgin Australia Velocity Flyer and High Flyer credit cards earn Velocity Points for every $1 you spend on eligible purchases. These points are added to your Velocity account, where you can redeem them for flights with Virgin Australia and other airline partners, accommodation, gift cards and items from the Velocity Rewards Store.

Similar to other Velocity credit cards, you could also get bonus Velocity Points offers with a new Velocity Flyer or High Flyer card. But these cards also stand out from other frequent flyer options by offering a $129 Virgin Australia gift voucher each year.

  • Premium credit cards

The Virgin Australia Velocity High Flyer is a top-tier rewards card that offers a higher earn rate than the Velocity Flyer, with 1 Velocity Point per $1 on eligible purchases up to 8,000 per month, then 0.5 Velocity Points for every $1 spent.

It also offers 2 complimentary single-entry Virgin Australia domestic lounge passes each year and complimentary travel insurance. While its standard annual fee of $329 is similar to other premium rewards cards, make sure you consider whether the benefits will outweigh the cost of it.

  • Balance transfer credit cards

If you have existing debt you want to pay off, a Virgin Money balance transfer credit card could help you save on interest charges by offering a competitive introductory interest rate, such as 0% for up to 24 months. After that, a standard interest rate will apply to any balance remaining from the transfer.

With Virgin Money, you can balance transfer up to 80% of your available credit limit from credit cards, store cards, personal loans and lines of credit held with other Australian financial institutions. But keep in mind that no interest-free days apply to purchases when you're paying of a balance transfer on a Virgin Money credit card.

  • No annual fee credit cards

The Virgin No Annual Fee Credit Card gives you a way to save on credit card costs with an ongoing $0 annual fee. In comparison, credit cards with annual fees typically charge between $25 and $1,450. This card's 18.99% p.a. variable interest rate for purchases is also competitive with other no annual fee cards.

  • Low rate credit cards

Virgin's Low Rate credit card is designed to help you save on interest charges, offering a low variable purchase rate of 11.99% p.a. It also has an annual fee of $99 and contactless payment options through Visa payWave.

Benefits you can get with a Virgin Money credit card

  • Velocity Frequent Flyer Points

If you get a Virgin Australia Velocity Flyer or High Flyer credit card, you'll earn Velocity Points for every $1 of eligible spending. You could also get with enough Velocity Points for a reward flight through an introductory bonus points offer if you meet the requirements. And you can earn extra points by using your frequent flyer credit card with Velocity partners.

  • Virgin Australia flight voucher - Velocity Flyer and High Flyer cards

Both the Virgin Australia Velocity Flyer and High Flyer credit cards offer you a $129 Virgin Australia gift voucher every year you have the card. All you have to do is make a retail purchase with your card 2 months before requesting your voucher through the Virgin Money website. You'll then be issued with a $129 Virgin Australia gift voucher in the form of a Virgin Australia Travel Bank credit.

Your complimentary $129 voucher can be used towards booking Virgin Australia flights on all fare types including sale fares. It can also be used on selected Virgin Australia Holidays' packages and must be used within 12 months of its issue date. Even though you only have a year use the voucher, your travel dates can be any time – including after the expiry – as long as you book before that date.

  • Visa credit card perks

Virgin Money credit cards can be used in over 200 countries around the world through the Visa card network, including for contactless payments. You also get access to Visa Offers + Perks, a free platform with travel, shopping, dining and entertainment offers available when you use an eligible card. And protection with Visa's Zero Liability Policy for fraudulent transactions.

  • Mobile wallets

If you have an Apple Pay, Google Pay or Samsung Pay account, you can add your Virgin Money credit card and make payments straight from your smartphone or other devices.

How to apply

You can apply for a Virgin Money credit card online in around 10 minutes by filling in a secure application form on the website. Alternatively, you can apply over the phone by calling Virgin Money on 13 37 39. To get started, make sure you meet the eligibility requirements and have your relevant information ready for the application.

Eligibility requirements

  • Age. You must be at least 18 years old to apply for a Virgin credit card in Australia.
  • Residency status. You'll need to be an Australian citizen or permanent Australian resident.
  • Minimum income. Depending on the card, you'll need to meet a specific income requirement to qualify for the card.
  • Credit rating. You'll need a good credit history to receive approval.

Documents and details

  • Personal details. You’ll need to provide basic personal information like your address and date of birth. You’ll also need to verify your identity using an accepted form of identification such as your drivers licence number.
  • Employment details. This covers your main income, employment status and your employer's contact details. You may also need to provide supporting documentation such as recent payslips or tax assessment notices.
  • Financial details. You also need to include details of your living expenses, as well as any other assets, credit cards, loans or other liabilities.
  • Credit card details. If you're applying for one of the Velocity Point-earning credit cards, you'll need to provider your Velocity Frequent Flyer details. And if you're applying for a balance transfer, you'll need to include details of the account/s you want to transfer a balance from.

After you've submitted your application online, you should get a response in moments. If you have any questions, contact Virgin Money on 13 37 39.

Credit card brands similar to Virgin Money

If you want frequent flyer points and travel perks, here are 3 other credit card providers you could compare with Virgin Money:

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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55 Responses

    Default Gravatar
    FrankJune 15, 2023

    Can my wife obtain a credit card in her own right and not as a secondary holder ?

      AvatarFinder
      AmyJune 15, 2023Finder

      Hi Frank,
      If your wife meets the eligibility requirements for a credit card, she can apply as the primary cardholder and get her own account. I hope that helps.

    Default Gravatar
    LydiaMarch 13, 2017

    I am wanting to change credit cards. I am looking for a card with 0% interest for at least 12 months, the lowest transfer or no transfer fee if possible, a rewards card that allows me to collect qantas points and possibly that allows me to consolidate a personal loan with the credit card debt. Is there a card that will suit all or most of these needs?

    Default Gravatar
    ChrisFebruary 26, 2017

    Can I balance transfer from ANZ to Virgin?

      AvatarFinder
      DeeFebruary 26, 2017Finder

      Hi Chris,

      Thanks for your question.

      Yes, you may transfer a balance from ANZ to a Virgin Money credit card, subject to certain eligibility criteria.

      You may also visit our guide that discusses which bank you can balance transfer to.

      Cheers,
      Anndy

    Default Gravatar
    NickOctober 26, 2016

    I have your credit card but I cannot deposit money onto my Pokerstars account? Please explain why I can’t deposit to online gambling? Thanks.

      AvatarFinder
      JasonOctober 26, 2016Finder

      Hi Nick.

      Thank you for your inquiry.

      Virgin Money credit cards prohibit gambling transactions. Please check our guide about gambling transactions and credit cards for more information on the credit cards that you can and cannot use for gambling transactions.

      I hope this helps.

      Cheers,
      Jason

    Default Gravatar
    MiriamFebruary 18, 2016

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

      AvatarFinder
      DebbieFebruary 19, 2016Finder

      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.

      You can compare other credit cards with no foreign transaction fees. Please ensure to read through the relevant product disclosure statement and terms and conditions of your credit cards to ensure that you got everything covered on your transactions.

      I hope this helps.

      Cheers,
      Debbie

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