Virgin Australia Velocity Flyer Card 0% Purchase Rate Offer

Take your spending to new heights with a card that offers 0% p.a. interest on purchases for 14 months, a discounted $64 annual fee for the first year and Velocity Points.

The Virgin Australia Velocity Flyer card gives you three introductory offers to choose from. With this option, you can enjoy a promotional 0% p.a. interest rate on purchases for the first 14 months, 0% p.a. on balance transfers for 6 months and half the annual fee of $64 for the first year. In order to take advantage of these perks, you’ll need to apply and get approved by 30 June 2019.

In addition to these features, you'll earn Velocity Points per $1 spent on eligible purchases and can enjoy a $129 Virgin Australia gift voucher each year.

Product NameVirgin Australia Velocity Flyer Card - 0% Interest Offer
Rewards ProgramVelocity Frequent Flyer
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (20.99% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.) 0% for 14 months, reverts to 20.74% p.a.
Offer end date30 June 2019
Annual fee$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 44 days on purchases
Cash advance rate (p.a.)20.99% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.3% of transaction value
Complimentary Travel InsuranceNo
Minimum Income$35,000
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Minimum Monthly Repayment2% or $30, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.3% of transaction value
Cash Advance Fee$2.70 per transaction on cash advance <$100; 2.7% of the transaction amount for $100 & over
Overseas Cash Advance Fee$5
Gambling Transactions AllowedNo
Additional Cardholder Fee$39
Number of Additional Cardholders4
Rewards ProgramVelocity Frequent Flyer
Rewards Points per $ spent (VISA/MC)0.66
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the Virgin Australia Velocity Flyer Card

When you shop using the Flyer credit card issued by Virgin Australia, you get to enjoy a number of unique benefits:

  • Annual fee discount. Save $65 with a reduced $64 annual fee for the first year (reverts to $129 p.a. in subsequent years).
  • Purchase rate offer. Apply and get approved by 30 June 2019 and you’ll pay 0% p.a. interest on purchases for the first 14 months. Any remaining balance attracts the variable purchase rate of 20.74% p.a. thereafter. Please note that you still have to make the minimum payments required each statement period.
  • Balance transfer. Enjoy no interest on your transferred balances for 6 months if you apply and get approved by 30 June 2019. After the introductory period expires, any remaining balance attracts interest at the variable cash advance rate, currently 20.99% p.a.
  • Velocity Points. For the first $1,500 you spend on eligible transactions each month, you'll earn 0.66 Velocity Points per dollar spent. An earn rate of 0.5 Velocity Points per dollar spent will apply thereafter.
  • $129 gift voucher each year. You will be able to enjoy a $129 Virgin Australia Gift Voucher each year – that’s your annual fee covered. All you have to do is make a retail purchase with your card within two months before requesting your voucher to unlock your benefit. You can use this when booking Virgin Australia flights or selected Virgin Australia holiday packages anytime within the first 6 months from voucher issue date.
  • Complimentary insurance. For travelling, transit accident insurance covers you in the event of an accidental injury or death while moving from one place to the next. This is contingent on you purchasing the tickets in advance with your Flyer credit card. You are also insured for the balance of any purchase you make where you find the same item at a lower price within 60 days through the "Guaranteed Pricing Scheme".

Features of the Virgin Australia Velocity Flyer Card

The Virgin Australia Velocity Flyer Card provides the following features:

  • Annual fee. Outside of any promotions, this card charges an annual fee of $129.
  • Additional cardholders. You can request additional cardholders to be linked to your account. A $39 annual fee applies for each card.
  • Interest-free days. After your over 420 promotional interest-free days expire, you can still save with up to 44 days of no interest on purchases provided that you pay your balance in full.
  • Foreign exchange fee. When making purchases while travelling overseas, a fee equal to 3.3% of the transaction amount is charged. Fees charged will be reflected as a single amount on your credit card statement.
  • Minimum payment. With this card, you'll need to pay 2% or $30, whichever is greater by the due date on each statement.
  • Minimum credit limit. The credit limit for this card starts at $6,000 but can go as high as $100,000 depending on your income and credit history.

How to apply for the Virgin Australia Velocity Flyer Card

If you want to take advantage of 0% interest on purchases for 14 months, you can apply for this card online in around 10 minutes. Before you get started, make sure you meet the following eligibility requirements and have all your relevant documents and details handy to speed up the process.

Eligibility criteria

  • How old are you? You must be at least 18 years old to apply for this card.
  • Do you meet the minimum income requirement? As long as you earn at least $35,000 per year, you're eligible to apply for the Virgin Australia Velocity Flyer.
  • What's your Australian residency status? Only citizens and permanent residents of Australia will be considered for this credit card offer.
  • What's your credit score? You must have a good credit rating for this card.

Required documents and details

Here's the information you'll need on hand to complete your application:

  • Personal details. Your full name, address and driver’s license number will be required.
  • Employment details. This includes the name and contact details for your current employer, as well as information about your role and the length of time you've worked there.
  • Financial details. You will need to provide your annual pre-tax salary along with any other income sources and amounts, such those derived from dividends. You'll also need to share details of your financial commitments such as credit cards, loans and living expenses.
  • Balance transfer information. If you decide to take advantage of the balance transfer offer, you'll need to provide the card or account number/s for any debts you want to transfer to the card.

While many credit cards come with an introductory offer for new cardholders, the Virgin Australia Velocity Flyer Card lets you choose between three. With this option, you can earn Velocity Points and save on interest charges for new purchases and balance transfers, with a reduced annual fee for the first year. Just remember to weigh up the ongoing features and fees of the card and compare it to other offers so you know you're applying for a card that suits your goals.

Frequently asked questions

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210 Responses

  1. Default Gravatar
    StanOctober 8, 2018

    Is there an Australian based credit card with complimentary travel insurance for 88 or 90 years old?

    • Avatarfinder Customer Care
      JhezOctober 8, 2018Staff

      Hello Stan,

      Thank you for your comment.

      On this page, you can see details of the underwriting insurance provider, the maximum age for standard coverage and additional details that will be useful when you’re looking at your options.

      Looks like NAB’s maximum age for standard coverage is 90.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  2. Default Gravatar
    ArshadMarch 29, 2018

    I have a query. My situation is I want to buy a 55K car. I have 35K with me and need 20K to complete a non-interest car purchase. Can I pay 20K from this card and rest as the cash. Will this give me a 14 Months breathing period to pay the rest of 20K with no interest. I cant believe that Virgin will lend me this much money for 14 Months and would not gain anything from this transaction. Regards, Arshad

    • Avatarfinder Customer Care
      MayMarch 29, 2018Staff

      Hi Arshad,

      Thank you for your inquiry.

      If you are planning to use your credit card for instance this Virgin Australia Velocity Flyer Card – 0% Interest Offer, you may have to make sure that your approved credit limit will be able to cover the $20K for your car purchase. Yes, the 14 months without incurring interest on your purchases could really help in saving up on paying interest. Depending on the car company though, they may allow you to use your credit card, but the question there would be if your approved credit limit on the card is enough to pay the $20K? Please note that your approved credit limit is determined by the bank based on their assessment of your overall financial situation.

      With this Virgin Australia Velocity Flyer Card, the minimum credit limit you’ll be approved is $6,000 and the maximum limit is $100,000.


  3. Default Gravatar
    RahulMarch 22, 2018

    Hi, want to get some info about 14 months interest free credit card.
    After 14 months it will be normal credit card which I will get 44 days interest free ???
    2 Minimum payment is 2% or 30 $ whichever is greater so what if I dont pay 2% greater amount and pay only 30$. Will they charge me interest on rest of minimum pay amount???

    • Avatarfinder Customer Care
      JeniMarch 22, 2018Staff

      Hi Rahul,

      Thank you for getting in touch with finder. Yes after 14 months this card will revert to 20.74% p.a. purchase rate and have the interest free period of up to 44 days on purchases. Yes the minimum monthly repayment is 2% or $30, whichever is greater. If you have chosen to pay just $30 a month and it doesn’t cover at least the minimum monthly repayment, you are charged interest and the payment will be considered as missed payment. The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.

      I hope this helps.

      Have a great day!


  4. Avatarfinder Customer Care
    ElizabethJanuary 28, 2015Staff

    Hi Leanne,

    Thanks for your question.

    This isn’t a current benefit with this card. You might be referring to two other offers with the card that are slightly different. The bonus points offer lets you earn up to 10,000 bonus points if you apply before the cut-off date and spend $5,000 or more on retail purchases on your card within three months of card approval date. The other offer has to do with flights, whereby you can access reduced fares when you and a friend fly together on Virgin Australia saver flights up to four times a year.

    I hope this has helped.



  5. Default Gravatar
    EdrickSeptember 29, 2014

    The information is filled out correctly, every time I try to proceed, it ask to recheck highlighted ares for extra information…when i check the form there are no highlighted areas to add or correct, ?

    • Avatarfinder Customer Care
      ElizabethSeptember 30, 2014Staff

      Hi Edrick,

      Thanks for your question.

      The actual application form that you’re filling out is with Virgin Australia, so any problems you have filling out the form will need to be taken up with them directly. You can try filling out the application form again, and if it still doesn’t work then you can call Virgin directly to ask what the problem might be.

      Hope this has helped.



  6. Default Gravatar
    pamelaFebruary 8, 2014

    Ist it free to have an additional card holder?
    Can an additional card holder be authorised to converse with Virgin over the phone about regarding the account?

    • Avatarfinder Customer Care
      MarcFebruary 10, 2014Staff

      Hi Pamela,
      thanks for the question.

      The minimum income for this card is $35,000 gross, and each additional cardholder comes with a fee of $39. You can authorise additional cardholders to make enquiries, but account maintenance, including changing account details, must be done by the primary cardholder.


  7. Default Gravatar
    WayneDecember 5, 2013

    Hi Staff, about 2 years ago I applied for a credit card through NAB and ANZ and both times refused because of one indiscretion of a late council rate payment due to the bill being sent to an old address. Once I became aware it was paid immediately but it seems my credit rating has been tarnished since. Now long do I have to wait to return to a good credit rating? I would like to apply for a card like this but I’m not sure what the credit rating check will say and I don’t want to waste the banks and my time. Needless to say I pay my rates by direct debit these days!

    • Default Gravatar
      pamelaFebruary 8, 2014

      I understand the minimum income has to be 35000 but is that gross or net?

    • Avatarfinder Customer Care
      JacobDecember 5, 2013Staff

      Hi, Wayne.

      Thanks for your question.

      Direct debits are a great way of staying on top of your expenses. You will need to have a look at copy of your credit file. You can order a free copy, or pay a fee and get it sent express. This will allow you to see what the lender sees when they asses your credit file. It will also provide information on each type of default and how long it will remain as a listing on your credit file.

      I hope this helps.

  8. Default Gravatar
    MarianneAugust 14, 2013

    Can I use my personal Virgin Aust Velocity Flyer Card to pay for my business expenses and earn points?

    • Avatarfinder Customer Care
      JacobAugust 14, 2013Staff

      Hi Marianne.

      Points are accrued when you use your card to make a retail purchase. If you’re looking to get rewarded for your business spending, you may want to consider a business credit card.

      Thanks for your question.

  9. Default Gravatar
    PatAugust 6, 2013

    Which option do I choose on this website to apply for the 15000 free introductory points offer

    • Avatarfinder Customer Care
      ShirleyAugust 6, 2013Staff

      Hi Pat,

      Thanks for your comment.

      You need to meet a certain criteria to be eligible. After you’ve met the criteria, then the points will automatically be added to your account.

      Here is the criteria, which I’ve copied from above – “You can earn up to 15,000 bonus points when you apply for this card and spend within the first three months. According to the Virgin website, ‘Get 7,500 bonus Points when you apply by 30 June and make a retail purchase within 3 months of card approval. Get an additional 7,500 bonus Points when you spend $5,000 within 3 months of card approval.”


  10. Default Gravatar
    GregJune 17, 2013

    I have tried on 4 occasions to fill in an application for a Velocity credit card, every time I enter the contact details of a friend the application keeps locking in 04, i put the contact mobile in but when I come to finalise the application it takes me back to this section, it won’t let me complete or send. Frustrated.

    • Avatarfinder Customer Care
      JacobJune 17, 2013Staff

      Hi Greg. Please retry the application in a different browser. If you still have problems, please contact us anytime at – Jacob.

Credit Cards Comparison

Rates last updated June 25th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

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