Virgin Money Anytime Rewards Credit Card

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Bonus points: 60,000
Purchase rate: 19.99% p.a.
Reward point per $ spent: 1
Annual fee: $149 p.a.

Our verdict

Earn 60,000 bonus Virgin Money Points and earn 1 point per dollar - uncapped.

Virgin Money is not currently accepting new applications for this credit card.

This credit card is a good option for anyone looking to earn rewards points in a variety of ways while spending with the card. And there's no cap on the points you can earn. The annual fee is quite reasonable and the bonus points offer is generous.

The card has a few premium perks as well, like the Visa Platinum Concierge Service and other Visa Platinum benefits. You'll get the most out of this card if you shop online with participating retailers via the Virgin Money Rewards Hub.

Note that this card lets you earn Virgin Money points, not Velocity Points. But you can redeem these reward points for Velocity Points.

Pros

60,000 bonus Virgin Money Points
1 Virgin Money Point per $1 spent on eligible spending, uncapped
Visa Platinum Concierge Service

Cons

No complimentary international travel insurance

Details

Product details

Product Name	Virgin Money Anytime Rewards Credit Card
Purchase rate p.a.	Purchase rate p.a.19.99%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	20.99%
Min credit limit	$6,000
Card type	Visa

Eligibility

Available to temporary residents	No
Minimum income	$35,000
Joint application	No

Rewards

Rewards program	Virgin Money Rewards / Velocity Frequent Flyer
Bonus points	60,000
Rewards points per $ spent	1
Rewards points cap	Uncapped

Fees

Annual fee	$149
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	3.3%
Cash advance fee	2.7% of transaction value or $2.70, whichever is greater
Overseas cash advance fee	$5
Additional cardholder fee	$0
Number of additional cardholders	4

How to apply

You can apply for the Virgin Money Anytime Rewards Card in around 10 minutes. Before you get started, check that you meet the eligibility requirements and have all the necessary documents and details handy.

Eligibility criteria

New cardholder. The bonus points offer is only available to new customers.
Residency. You must be an Australian citizen or a permanent resident.

Age. You must be at least 18 years of age.
Minimum income. You must earn at least $35,000 p.a. to apply for this card.
Credit history. You must have a good credit history. You can check your credit score for free through Finder.

Required documents

Personal details. This includes your full name, email address, contact number, residential address, date of birth, and marital status. You will also need to provide a valid form of ID, such as your driver's licence or passport.
Employment details. This covers your employment status, job title, salary and employer's contact details. You may also need to provide recent payslips, tax assessment notices or bank statements to verify these details.
Financial details. This covers any other forms of income and assets such as government payments or pensions, as well as any savings or other assets. You will also need to share details of your existing debts, cards and other loans, as well as estimates of your regular household expenses.

Card benefits

60,000 bonus points. Receive 60,000 bonus Virgin Money Points when spend at least $3,000 on eligible purchases within the first 3 months from card approval. Points will be credited to your account within 2 months after meeting the spend requirement. Offer commenced on 5 March 2024 and may be varied or withdrawn anytime.
Virgin Money Points. Earn 1 Virgin Money Point per $1 spent on eligible transactions (uncapped) and extra 5 points per $1 spent on hotel bookings made through the Virgin Money Australia app. These points can be redeemed for cash back, gift cards, transfers to Velocity Frequent Flyer and partner hotels.

Visa Platinum Concierge Service. This card gives you access to 24/7 concierge service, which can help with travel bookings, dining reservations, entertainment tickets and more.
Additional cardholders. You can request for an additional cardholder at no extra cost.
Mobile wallets. You can link your Virgin Money Anytime Rewards credit card to Google Pay, Samsung Pay and Apple Pay to make contactless payments using your qualifying device at the checkout.

Rates & fees

Annual fee. The Virgin Money Anytime Rewards Card charges an annual fee of $149.
Purchase rate. This card has a 19.99% p.a. interest rate for purchases, which is lower than the average standard rate according to the Reserve Bank of Australia.

Cash advance rate. The variable rate for cash advance transactions is 20.99% p.a.
Interest-free days. Get up to 55 days interest-free on purchases when you pay your balance in full each month.
Minimum credit limit. This credit limit for this card starts at $6,000.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Virgin Money Anytime Rewards Credit Card information PDF
2. Virgin Money Anytime Rewards Credit Card TMD

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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full profile

Virgin Money Anytime Rewards Card

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Eligibility criteria

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Rates & fees

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