Virgin Money Credit Cards

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."

Richard Whitten

Senior Money Editor

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 credit card and make payments straight from your smartphone or other devices.

How to apply for a Virgin Money credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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:

• American Express cards
• Citi credit cards
• Qantas Money credit cards

Frequently asked questions about Virgin credit cards

• How do I use the $129 Virgin Australia flight voucher

  If you have a Virgin Australia Velocity Flyer or Velocity High Flyer credit card, follow these steps to get the $129 gift voucher:

  1. Wait 30 days from your card approval date. If it's after the first year, you'll need to wait 30 days from the anniversary of when your card was approved.
  2. Make a retail purchase 2 months before requesting the voucher. You can make any retail purchase, as long as it's within the 2 months before you request your gift voucher.
  3. Request the $129 Virgin Australia gift voucher. The Virgin Money website has a dedicated request page for the $129 gift voucher. Follow the prompts and wait for details of the Virgin Australia Travel Bank account.
  4. Make a booking within 12 months. Once the $129 Virgin Australia gift voucher has landed in your Travel Bank account, you can book flights through the Virgin Australia website or by calling 13 67 89. If you want to use the gift voucher for a holiday package, call Virgin Australia Holidays on 13 15 16. Before you pay, make sure you log in to your Travel Bank account or tell the person on the phone that you want to use the gift voucher.

  Remember, you can only use the $129 Virgin Australia gift voucher once per year and need to book within 12 months of when your Virgin Australia Travel Bank account is updated. If you don't use your voucher, the value won't rollover to future years, so it's worth keeping it in mind whenever you're planning a trip.

• How do I apply for a balance transfer to a Virgin credit card?

  When you apply for a Virgin Money credit card, you can request a balance transfer from an existing Australian credit card, store card, personal loan or line of credit held with another financial institution.

• Which bank is linked to Virgin Money?

  Virgin Money is a division of Bank of Queensland and its credit cards are issued by NAB following its Citigroup acquisition.

• How do I find out my credit limit?

  Your credit limit refers to how much money you'll have access to on your Virgin credit card. During your application, you can nominate a specific credit limit or let Virgin Money assign a credit limit for you. Note that the credit limit you're approved for will depend on factors such as your income and credit history, so you may not always get the limit you request. You can also apply for a credit limit increase if you've demonstrated the ability to repay further into your card ownership.

• How do I add an additional cardholder to the account?

  You can request an additional cardholder when you apply for your Virgin credit card. You'll need to provide the person's name, date of birth and other personal details as part of the application.

  If you’re an existing Virgin credit card account holder, you can request to add a supplementary card on your account by submitting an additional cardholder request form, which is available from the Virgin website. It may take up to 10 business days to process and issue an additional cardholder request. 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. If you're the primary cardholder, you'll also be responsible for all charges on the account.
  

• How do I make a repayment on my Virgin Money credit card?

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

  • Direct debit. Go to the Virgin Money website to complete and submit a Virgin Money Direct Debit Autopay 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.
  • In person at Australia Post. You can pay your Virgin credit card at any Australia Post outlet with Bank@Post using cash or EFTPOS.

  Important: Make sure you leave enough time for a payment to be processed before the due date on your statement. For example, it may take 48 hours for Australia Post payments to show up on your account balance.

• What do I do if my credit card is lost or stolen?

  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 team will block your card and arrange for a new one to be sent out to your location.

• How do I register for online banking?

  1. Go to virginmoney.com.au and look for the "Login" icon in the top right-hand corner of the screen.
  2. Hover your mouse/cursor over the "Login" icon. A menu will appear showing all the different options.
  3. Click on "Credit Cards" in this menu. You'll then be taken to the Virgin Money credit cards login page.
  4. Enter the mobile number registered to your Virgin Money credit card.
  5. Enter the verification code sent to your mobile.
  6. Provide your date of birth and postcode.
  7. Create and confirm your new password.
  8. Set up your security questions. If you’ve already done this in the Virgin Money Australia app, you’ll just need to answer them instead.

  Once you have registered, you can also login to your Virgin credit card account by following steps 1-3 and then entering the login details provided when you registered.

• What’s my minimum monthly repayment?

  For each statement you get, you're required to pay a minimum repayment of at least 2% of the closing balance or $25, whichever is greater. You must pay this amount 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.

• When will points be transferred to my Velocity account?

  If you have a Virgin Australia Velocity Flyer or High Flyer credit card, the points you have earned for your eligible spending will be calculated at the end of each statement period. Points will then be transferred to your Velocity account within three business days from the end date on your statement.

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 505 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability