Virgin Credit Cards

Check out the features you can get with a Virgin Money credit card, including up to 60,000 bonus Velocity Points, 0% balance transfer offers, competitive rates and perks.

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Virgin Money (Bank)

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From frequent flyer rewards cards to low rate and no annual fee options, Virgin Money credit cards can suit many different lifestyles and goals. Depending on the card you choose, you could also enjoy an introductory 0% interest rate on balance transfers or purchases, bonus points and platinum perks such as complimentary insurance and flight vouchers.

Use this guide to compare Virgin Money credit cards features, benefits and fees. You can also learn how to apply and find answers to frequently asked questions so that you can decide if a Virgin credit card is right for you.

Virgin Money Credit Card Offer

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 26 months on balance transfers
Discounted $64 first-year annual fee

Offer ends 28 July 2021

Eligibility criteria, terms and conditions, fees and charges apply

Virgin Money Credit Card Offer

Save with a long-term balance transfer rate and earn Velocity Points for your spending.

  • 0% interest for the first 26 months on balance transfers
  • $64 first-year annual fee ($129 p.a. thereafter)
  • 20.74% p.a. purchase interest rate | 20.99% p.a. cash advance rate
  • $6,000 minimum credit limit
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Compare Virgin Money Credit Cards

$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 26 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. on balance transfers for 26 months, a reduced 1st year annual fee & $129 Virgin Australia Gift Voucher yearly.
Virgin Money No Annual Fee Credit Card
0% p.a. for 12 months
0% p.a. for 12 months, reverts to 18.99% p.a.
$0
Save with a $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Earn up to 100,000 bonus Velocity Points (25,000/ month when you spend $1,500 in the first 4 months). Plus, save with a 0% balance transfer offer.
Virgin Australia Velocity High Flyer Card
0% p.a. for 12 months
20.74% p.a.
$289
Take off sooner with up to 100,000 bonus Velocity Points, lounge passes and insurance covers. Plus, a 12-month balance transfer.
Virgin Money Low Rate Credit Card
0% p.a. for 15 months with 1% balance transfer fee
11.99% p.a.
$99
Offers 0% p.a. for 15 months on balance transfers (with a 1% BT fee) and a low ongoing purchase rate of 11.99% p.a.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months, reverts to 20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first-year annual fee and Velocity Points per $1 spent.
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Types of Virgin credit cards

The Virgin Money credit cards you can choose from include reward options, low rate and no annual fee credit cards, as well as platinum accounts that come with more complimentary extras. You can compare all the Virgin Money credit card options below to find one that suits your needs.

  • 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 18 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 eligible non-Virgin credit cards or store cards, as well as personal loans and lines of credit.

  • 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 automatically credited to your Velocity account, where you can redeem them for flights with Virgin Australia and its airline partners, accommodation, gift cards and merchandise from the Velocity Rewards Store.

Depending on the card, you could also enjoy thousands of bonus Velocity Points when you sign up and meet the spending requirements. Compare the latest Virgin credit card introductory offers on this page to find out what's available to you now.

  • Premium frequent flyer credit cards

The Virgin Australia Velocity High Flyer is a top-tier rewards card that offers a higher earn rate than other Virgin Money frequent flyer cards, a 100,000 bonus points offer and complimentary travel insurance.

This card also gives you two complimentary single-entry Virgin Australia domestic lounge passes and a $129 Virgin Australia gift voucher each year, which you can redeem by making a retail purchase at least 2 months before you request it. As this card has a standard annual fee of $289, make sure you consider whether the benefits will outweigh the cost of it.

  • No annual fee credit cards

With a $0 annual fee for life, the Virgin No Annual Fee credit card gives you a way to save on credit card costs. This card has a variable purchase rate of 18.99% p.a. and offers up to 55 days interest-free on purchases if you pay your balance in full by the due date on each statement. Please note that you are not eligible for interest-free days while you are carrying debt from a balance transfer.

  • 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.

The benefits of banking with Virgin Money

These are some of the most popular features you can enjoy with a Virgin Money credit card.

  • Velocity Frequent Flyer Points

If you get a Virgin Money frequent flyer credit card, you'll earn Velocity Points for every $1 spent on eligible purchases. You can then redeem your points for flights with Virgin Australia and its airline partners, accommodation packages and products from the Velocity Rewards Store. Some Virgin Money credit cards come with introductory bonus points offers to help boost your balance. Plus, 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.

  • 0% balance transfer offers

If you have a debt that's collecting high interest, Virgin Money offers a number of credit cards with 0% balance transfer promotions for up to 18 months. This means you can transfer a balance from a non-Virgin Money credit card, store card, personal loan or line of credit and pay down your debt without interest for the duration of the balance transfer period. Once the promotion ends, though, the standard cash advance interest rate will apply, so it's wise to pay your entire debt before this happens.

  • Visa credit card perks

All Virgin Money credit cards belong to the Visa payment network, meaning you can enjoy global acceptance and a variety of exclusive Visa perks. You'll be able to use Visa payWave for contactless tap-and-go payments of up to $100 and get peace of mind with Visa's Zero Liability Policy if your card is ever lost, stolen or used for a fraudulent transaction. You'll also receive access to presale concert tickets, entertainment offers and discounts courtesy of Visa Entertainment.

How to apply for a Virgin Money credit card

If you've compared your options and decided you want a Virgin Money credit card, you can complete a secure online credit card application within 10 minutes and should receive a response in a matter of minutes. Alternatively, you can apply over the phone by calling Virgin Money on 13 37 39. Before you apply, 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.
  • Residential 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.

Required details and documents

Here are the key details you'll be asked to provide when you apply for a Virgin credit card:

  • Personal information. 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.
  • Financial information. You will need to submit 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.

If you're considering a Virgin Money credit card, make sure you check out the latest details and offers to see if you can take advantage of 0% interest rate offers or bonus point promotions that could boost your Velocity balance. Also remember to weigh the value of the rewards against card costs such as the rates and fees to decide if one of these cards is right for you.

Frequently asked questions

If you want to know more about Virgin Money credit cards, here are answers to some of the most frequently asked questions. If you have a question that hasn’t been answered, get in touch with us using the form below.

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53 Responses

    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 Customer Care
      DeeFebruary 26, 2017Staff

      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 Customer Care
      JasonOctober 26, 2016Staff

      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 Customer Care
      DebbieFebruary 19, 2016Staff

      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

    Default Gravatar
    KerryDecember 11, 2015

    If I put the high flyer credit card in a business name what is the annual fee

      Avatarfinder Customer Care
      SallyDecember 14, 2015Staff

      Hello Kerry,

      The Virgin Australia Velocity High Flyer credit card has a $144 p.a. annual fee for the first year and $289 p.a. annual fee thereafter.

      I hope this has answered your question.

      Cheers,

      Sally

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