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Virgin Credit Cards

Earn Velocity Points on your everyday spending and collect up to 30,000 bonus points on sign up with a Virgin Money credit card.

With features ranging from rewards to low rates, no annual fees and premium extras, the range of credit cards available from Virgin Money is designed to suit a variety of lifestyles and needs. Depending on the card you choose, you could enjoy earning Velocity Points for your spending, 0% balance transfer or purchase rate offers, bonus points, complimentary insurance and a variety of other benefits.

You can use this guide to compare Virgin Money credit cards, including the types of cards available and their features, benefits and fees. You can also learn about how to apply and get answers to frequently asked questions so that you can decide if a Virgin credit card is right for you.

Virgin Australia Velocity Flyer Card - Exclusive Offer

0% p.a. for 18 months on balance transfers with no BT fee

Offer ends 31st July 2017

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive Virgin Money Credit Card Offer

Earn 2 bonus Velocity Points on top of your standard earn rate per $1 spent in the first 3 months, combined with a reduced annual fee for the first year and a long-term balance transfer offer.

  • Earn 2 bonus Velocity Points per $1 spent in the first 3 months
  • 0% p.a. for 18 months on balance transfers
  • Exclusive to finder.com.au, no BT fee
  • $64 p.a. annual fee for the first year ($129 p.a. thereafter)
  • 20.74% p.a. on purchases
  • Up to 44 days interest-free
Go to site

Comparison of Virgin Money Credit Cards

Rates last updated July 21st, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Exclusive Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to earn bonus Velocity Points for the first three months and a $129 Virgin Australia Gift Voucher each year.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 12 months
$99 p.a.
Receive up to 44 days interest-free on purchases and the optional insurance coverage of CreditShield Edge.
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
20.74% p.a.
1.9% p.a. for 15 months
$144 p.a. annual fee for the first year ($289 p.a. thereafter)
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 30,000 bonus Velocity Points. Plus, complimentary travel insurance.
Virgin No Annual Fee Credit Card
18.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
$0 p.a.
Receive a balance transfer fee refund when you meet the spend criteria. Plus, the ability to pay using Visa payWave.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 6 months
$129 p.a.
Earn up to 40,000 bonus Velocity Points in the first 4 months on eligible spend and receive a $129 Virgin Australia Gift Voucher each year.

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Types of credit cards from Virgin Money

The range of credit cards available from Virgin Money include reward options, low rate and no annual fee cards as well as premium accounts with complimentary extras. You can compare your different options with Virgin Money below.

  • Balance transfer credit cards

A Virgin Money balance transfer credit card could help you save on existing debts by offering a competitive introductory interest rate, such as 0% for up to 18 months. This could help you save on interest costs and pay down your debt faster during the promotional period. 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. Virgin Money is also one of the only credit card providers that allows you to balance transfer debts from non-Virgin personal loans and lines of credit. For more details, you can refer to the terms and conditions on the Virgin Money website or read our step-by-step guide to conducting a balance transfer with Virgin Money.

  • No annual fee credit cards

As well as offering savings on yearly credit card costs, the Virgin No Annual Fee card has a 0% balance transfer offer. At the end of the introductory period, any debt left over from the balance transfer will be charged interest at the standard variable rate for cash advances, currently 20.99% p.a. Meanwhile, the purchase rate for this card is 18.99% p.a. (variable).

Learn more about No Annual Fee Credit Cards

  • Low rate credit cards

The Virgin Money Low Rate credit card is designed to help you save on interest charges when you carry a balance on your account. This can has an ongoing variable purchase rate of 11.99% p.a., an annual fee of $99 and contactless payment options through Visa payWave.

Learn more about Low Rate Credit Cards

  • Frequent flyer credit cards

Virgin frequent flyer credit cards reward you with Velocity Points for every dollar you spend on eligible purchases. These points are directly debited in your Velocity frequent flyer account. This means you can use them for flights with Virgin Australia and its airline partners, accommodation, fuel discounts with BP, car hire and everything from fashion and beauty to tech and gadgets from the Velocity Rewards Store.

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.

Learn more about Frequent Flyer Credit Cards

  • Premium frequent flyer credit cards

The Virgin Australia Velocity High Flyer is a premium rewards card that includes a higher earn rate than other Virgin Money frequent flyer cards, a 30,000 bonus points offer and complimentary travel insurance.

It also offers two complimentary single-entry Virgin Australia domestic lounge passes and a $129 Virgin Australia flight 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.

Learn more about Premium Frequent Flyer Credit Cards

The benefits of banking with Virgin Money

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

  • Earn Velocity Frequent Flyer Points on eligible purchases

You can earn Velocity Points for every dollar spent on eligible purchases with a Virgin Money frequent flyer credit card. You can then redeem these rewards for flights with Virgin Australia and its airline partners, accommodation packages and products from the Velocity Rewards Store. While some of these cards come with bonus points on sign up, you can also earn extra points by using your frequent flyer credit card with Velocity partners.

Tips to earn more Velocity Points with a credit card

  • 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 access 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 receive peace of mind with Visa's No Liability Policy in case 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 a Virgin Money credit card is for you, you can complete a secure online credit card application within 15 minutes and should receive a response in a matter of minutes. Before you apply, though, make sure you've met the eligibility requirements and organised the necessary documents to ensure a smooth application process.

Eligibility requirements

  • Age. All applicants must be at least 18 years old.
  • 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 documents

You will need to provide information about the following if you wish to 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.

While Virgin Money offers many types of credit cards to suit different types of Australian credit cardholders, you'll benefit from comparing your options first to ensure you're applying for the right card 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.

The application requirements for each Virgin credit card are different. You can find the eligibility requirements for Virgin credit cards on our review pages. Generally speaking, you will need to answer yes to the following if you want to apply for a Virgin credit card.

      •  Be over the age of 18
      • Be a permanent Australian resident
      • Have a good credit rating

If you're still unsure, you can get in touch with Virgin Money directly to discuss your likelihood of acceptance.

You can request to conduct a balance transfer application with a Virgin credit card when you apply for a new credit card. Please note that some terms and conditions and restrictions do apply.

See our how to apply for a Virgin Money balance transfer credit card guide for further details.

You should receive a response from Virgin Money within minutes of submitting your online application for a credit card. You will be contacted on the email you provided to Virgin when you applied. If they don’t get in touch with you, contact Virgin on 13 37 39 and quote your 13 digit application reference number to confirm the status of your application. 

Your credit limit refers to how much money Virgin are willing to lend to you. During your application, you can nominate a specific credit limit or note that you'd like to access the maximum amount of credit. The credit limit you're approved for will depend on factors such as your income and credit history. You can also apply for a credit limit increase if you've demonstrated the ability to repay further into your card ownership. 

Refer to our Virgin credit card review pages to find out how many additional cardholders you can add to each Virgin credit card account. You can apply for an additional cardholder when you apply for the credit card. If you’re an existing Virgin credit card account holder, you can request to add a supplementary card on your account by completing and sending in an additional cardholder request form, which is available from the Virgin website. Please note that if the additional card incurs an annual fee, it will be charged to the primary cardholder's account when the supplementary card is issued. It may take up to 10 business days to process and issue an additional cardholder request.

You have the following options to make repayments to a Virgin Money credit card.

  • Direct debit. Jump on the Virgin website to complete and submit a Virgin Money Direct Debit Auto Pay Application Form. This method of payment allows you to automatically pay your entire account balance, just the minimum repayment or a specific amount when your statement comes. The money is taken from a savings or transaction account linked to your Virgin credit card account.
  • BPAY. You can pay your Virgin credit card from another lender’s internet banking facility using BPAY. The Virgin Money BPAY biller code is 49551 and your customer reference number is your 16 digit credit card number.
  • Cheque. Virgin credit card statements are issued with a payment slip. Complete this form and mail it with a cheque to Virgin Money at GPO Box 4299, Sydney, NSW, 2001. Make the cheque payable to your Virgin Money credit card account number and be sure to include the type of credit card you hold. Make sure you write your account number on the back of the cheque.
  • In person at Australia Post. You can pay your Virgin Money credit card at Australia Post using cash or EFTPOS.

If you have lost your credit card or it has been stolen, contact Virgin 24/7 on 13 37 39 (or +6 12 8288 2222 if you’re overseas). A member of the Virgin Money will block your card and arrange for a new one to be sent out to your location.

Each Virgin Money credit card comes with Fraudshield. This is an automatic system that will raise a red flag if any suspicious activity is detected on your account. Visa’s Zero Liability policy also protects you against fraudulent use (online and offline) if your account is compromised. All you have to do is call the customer assistance line, which is open all day every day, and they will instantly put a block on your card.

When you get your credit card head to the Virgin Money website and look for the icon that allows you to register your account as a first-time user. Simply follow the steps to complete the registration and you’ll be able to manage your account online.

You're required to pay a minimum repayment of at least 2% or $30, whichever is greater, of your total balance each month. You must pay this fee by the due date listed on your credit card statement or you'll incur a late payment fee. However, if you want to avoid collecting interest, you should pay your balance in full before this due date.

To activate your balance transfer offer with Virgin Money, you need to activate your card within 3 months from account approval. The balance transfer period will begin as soon as you've activated your card.
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Read more on this topic

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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53 Responses

  1. 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?

    • Staff
      AnndyMarch 14, 2017Staff

      Hi Lydia,

      Thanks for your question.

      If you are looking for a credit card that lets you consolidate your personal loan, you can compare your options here. Several options meet your no balance transfer fee and 0% balance transfer criteria. However, only the Citi Qantas Signature Credit Card allows you to earn Qantas points.

      Cheers,
      Anndy

  2. Default Gravatar
    ChrisFebruary 26, 2017

    Can I balance transfer from ANZ to Virgin?

    • Staff
      AnndyFebruary 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 this page to see where else you can balance transfer to.

      Cheers,
      Anndy

  3. 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.

    • Staff
      JasonOctober 26, 2016Staff

      Hi Nick.

      Thank you for your inquiry.

      Virgin Money credit cards prohibit gambling transactions. Please check out this link for more information on the credit cards that you can and cannot use for gambling transactions.

      I hope this helps.

      Cheers,
      Jason

  4. Default Gravatar
    MiriamFebruary 18, 2016

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

    • Staff
      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.

      To compare other options with no foreign transaction fees, kindly check this page.

      I hope this helps.

      Cheers,
      Debbie

  5. Default Gravatar
    KerryDecember 11, 2015

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

    • Staff
      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

  6. Default Gravatar
    AlNovember 20, 2015

    Hi there.
    Does the Virgin Money Velocity credit card earn points when you make a payment to the ATO?
    I can’t seem to find any information about this in their terms and conditions.
    Hope you can help.
    Cheers.
    Al

    • Staff
      JonathanNovember 20, 2015Staff

      Hi Al, thanks for your inquiry!

      Unfortunately Virgin Money credit cards do not earn any points for ATO payments. You can compare credit cards which earn points paying the ATO here.

      Cheers,

      Jonathan

  7. Default Gravatar
    RonAugust 31, 2015

    What is the maximum amount of GB pounds I can withdraw daily from an ATM in London?

    • Staff
      JonathanSeptember 1, 2015Staff

      Hi Ron, thanks for your inquiry!

      The withdrawal limit and maximum amount of GB pounds will depend on your credit card account/ individual credit limit.

      Cheers,

      Jonathan

  8. Default Gravatar
    BobAugust 24, 2015

    Sir,
    I’m have some question: How much could I withdraw in one day? How much could I transfer out in one time?

    • Staff
      SallyAugust 25, 2015Staff

      Hi Bob,

      Thanks for your inquiry.

      You can withdraw up to your available cash limit however there is a maximum of $1,000 cash per day. It’s important to remember that the standard cash advance fees and charges may apply when withdrawing cash from your Virgin Money Credit Card Account.

      Cheers,

      Sally

  9. Default Gravatar
    DonaldAugust 24, 2015

    Hi,

    Me and my partner have a joint loan and want to do a balance transfer to a CC. Is this possible with Virgin?

    • Staff
      SallyAugust 24, 2015Staff

      Hi Donald,

      Thanks for your question.

      Just to clarify, are you referring to a personal loan?

      If so, Virgin Money are one of a select number of institutions that allow you to transfer your personal loan and line of credit debt to one of their credit cards, as well as letting you transfer other card debt.

      However, your eligibility requirements will also depend on the level of the debt and your credit history. Should you have any further specific questions regarding your eligibility requirements, I would suggest you get in contact with Virgin Money directly.

      I hope this has helped.

      Thanks,

      Sally

  10. Default Gravatar
    narelleAugust 23, 2015

    what is the least amount of money I can borrow

    • Staff
      JonathanAugust 24, 2015Staff

      Hi Narelle,

      Thanks for your inquiry.

      The minimum credit limit varies and depends on the type of credit card you choose. Most Virgin Australia credit cards offer a minimum credit limit of $6,000, but there are some that also offer a higher amount.

      If you wish to find out the minimum credit limit of a specific card, kindly check the Comparison table on this page and click on the credit card of your choice. On the page the product table will provide the details you are looking for, including the minimum credit limit of the respective card you’ve chosen.

      I hope this helps.

      Thanks,

      Jonathan

Credit Cards Comparison

Rates last updated July 21st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to earn bonus Velocity Points for the first three months and a $129 Virgin Australia Gift Voucher each year.
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
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.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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