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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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Virgin Money

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 2024, with the Virgin Australia Velocity Flyer Card named as winner in the Best Balance Transfer Credit Card category and Virgin Australia Velocity High Flyer as highly commended in the Best Frequent Flyer Credit Card - Velocity category.

Virgin Money: 2024 Credit Card Provider Customer Satisfaction Highly Commended

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
Virgin Australia Velocity Flyer Card - Balance Transfer Offer image
Finder Award
Velocity Frequent Flyer
Purchase rate p.a.
20.74%
Annual fee
$149
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 20.99%
Amount saved
$1,413.89 over 24 months
More Info
Get 0% p.a. on balance transfers for 24 months (with 1% BT fee) and $129 Virgin Australia Gift Voucher.
Virgin Money Anytime Rewards Credit Card
Virgin Money Anytime Rewards Credit Card image
Virgin Money Rewards
Purchase rate p.a.
19.99%
Annual fee
$149
Balance transfer rate p.a.
0% for 12 months with 0% balance transfer fee, then 20.99%
Amount saved
$778.32 over 12 months
More Info
Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months. Plus, save with a 0% balance transfer offer for 12 months (with no BT fee).
Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer
Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer image
Virgin Money Rewards
Purchase rate p.a.
19.99%
Annual fee
$149
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 20.99%
Amount saved
$1,413.89 over 24 months
More Info
Save with a 0% balance transfer offer for 24 months (with a one-time 1% BT fee).
Virgin Money No Annual Fee Credit Card
Virgin Money No Annual Fee Credit Card image
Purchase rate p.a.
0% for 6 months, then 19.99%
Annual fee
$0
Balance transfer rate p.a.
N/A
More Info
Save with a $0 annual fee and 0% p.a. on purchases for 6 months.
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card image
Purchase rate p.a.
12.99%
Annual fee
$99
Balance transfer rate p.a.
0% for 15 months with 0% balance transfer fee, then 21.69%
Amount saved
$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
Virgin Australia Velocity Flyer Card - Bonus Points Offer image
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 with 0% balance transfer fee, then 20.99%
Amount saved
$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
Virgin Australia Velocity High Flyer Card image
Finder Award
Velocity Frequent Flyer
Purchase rate p.a.
20.74%
Annual fee
$329
Balance transfer rate p.a.
0% for 12 months with 0% balance transfer fee, then 20.99%
Amount saved
$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 19.99% 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 12.99% p.a. It also has an annual fee of $99 and contactless payment options through Visa payWave.

What do Australians think of Virgin Money credit card provider?

  • 4.3/5 overall for Customer Satisfaction — higher than the average of 4.06
  • 4.6/5 for Trust — higher than the average of 4.4
  • 4.23/5 for Customer Service — higher than the average of 4.06

Based on Virgin Money credit card provider scores in Finder's 2024 Customer Satisfaction Awards.

We added Virgin Money's scores in the 2024 Finder Customer Satisfaction Awards.

Richard Whitten's headshot
Our expert says

"I was looking for a credit card that would earn me stacks of Velocity Points. My nearest supermarket is Coles, and I already had plenty of Flybuys to convert to Velocity Points. For me, a Virgin Money credit card made most sense as it came with lots of bonus points and a high earn rate. The only downside was the annual fee, but the bonus points, when spent on reward flights, paid for itself immediately. Now I'm earning thousands of points each month and can save hundreds of dollars on flights per year."

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 about Virgin credit cards

Compare other products from Virgin Money

Amy Bradney-George's headshot
Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise
Amy has written 574 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability

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57 Responses

    Default Gravatar
    DaleAugust 27, 2024

    I have 83000 velocity points, how much credit would give me on my Virgin Credit Card or much in Amazon Gift Cards.

      AvatarFinder
      AngusSeptember 16, 2024Finder

      Hi Dale, You can’t directly transfer Velocity Points onto a Virgin-branded Credit Card. Virgin Money Rewards points can be converted for Amazon Gift Cards (each 1,000 points is worth $5 in gift card credit), but those aren’t the same as Velocity Points. (You can opt to convert Virgin Money Rewards into Velocity Points, but not vice versa.

    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

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