Virgin Money credit cards

Points. Rewards. Perks. Low rates. No annual fees. Check out our credit cards today (with balance transfer options available too).{sub-heading}

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From high rewards to no annual fees

No jargon, no confusion - just the best credit card for you. Whether it’s rewards, low fees, or a balance transfer, we’ll help you find your match. Start comparing now.

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All Cards

Virgin Australia Velocity High Flyer Credit Card

Our fastest Velocity Points earning card, with the highest flying perks.

Offer{mark}

Earn up to 100,000 Bonus Velocity Points20

  • 40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval.
  • 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
  • 0% p.a. for 24 months on balance transfers. 3% balance transfer fee applies.1

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Virgin Australia Velocity Flyer Credit Card

Turn everyday spending into someday holidaying, by earning Velocity Points.

Offer 1{mark}

Earn up to 70,000 Bonus Velocity Points16

  • 25,000 Bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 60 days from approval.
  • 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
  • 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies.1

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Offer 2{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1

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Virgin Money Anytime Rewards Credit Card

Rewards and more, anytime and anywhere, with Virgin Money Points.

Offer 1{mark}

Earn up to 60,000 Bonus Virgin Money Points13

  • Earn 60,000 Bonus Virgin Money Points13 (when you spend $3,000 or more in the first 90 days from approval).
  • 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies.1

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Offer 2{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1

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Virgin Money Low Rate Credit Card

Keep your interest rate low, but your expectations high.

Offer{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers. 3% balance transfer fee applies.1

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Virgin Money No Annual Fee Credit Card

Save on interest and pay no annual fee – ever.

Offer{mark}

Pay no interest on your Balance Transfers for up to 6 months

  • 0% p.a. for 6 months on balance transfers. No balance transfer fee applies.1

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Rewards Cards

Virgin Australia Velocity High Flyer Credit Card

Our fastest Velocity Points earning card, with the highest flying perks.

Offer{mark}

Earn up to 100,000 Bonus Velocity Points20

  • 40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval.
  • 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
  • 0% p.a. for 24 months on balance transfers. 3% balance transfer fee applies.1

{rate-display}

Virgin Australia Velocity Flyer Credit Card

Turn everyday spending into someday holidaying, by earning Velocity Points.

Offer 1{mark}

Earn up to 70,000 Bonus Velocity Points16

  • 25,000 Bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 60 days from approval.
  • 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
  • 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies.1

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Offer 2{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1

{rate-display}

Virgin Money Anytime Rewards Credit Card

Rewards and more, anytime and anywhere, with Virgin Money Points.

Offer 1{mark}

Earn up to 60,000 Bonus Virgin Money Points13

  • Earn up to 60,000 Bonus Virgin Money Points13 (when you spend $3,000 or more in the first 90 days from approval).

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Offer 2{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1

{rate-display}

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Low Rate/No Annual Fee

Virgin Money Low Rate Credit Card

Keep your interest rate low, but your expectations high.

Offer{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers. 3% balance transfer fee applies.1

{rate-display}

Virgin Money No Annual Fee Credit Card

Save on interest and pay no annual fee – ever.

Offer{mark}

Pay no interest on your Balance Transfers for up to 6 months

  • 0% p.a. for 6 months on balance transfers. No balance transfer fee applies.1

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Balance Transfer

Virgin Australia Velocity High Flyer Credit Card

Our fastest Velocity Points earning card, with the highest flying perks.

Offer{mark}

Earn up to 100,000 Bonus Velocity Points20

  • 40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval.
  • 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
  • 0% p.a. for 24 months on balance transfers. 3% balance transfer fee applies.1

{rate-display}

Virgin Australia Velocity Flyer Credit Card

Turn everyday spending into someday holidaying, by earning Velocity Points.

Offer{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1

{rate-display}

Virgin Money Anytime Rewards Credit Card

Rewards and more, anytime and anywhere, with Virgin Money Points.

Offer{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1

{rate-display}

Virgin Money Low Rate Credit Card

Keep your interest rate low, but your expectations high.

Offer{mark}

Pay no interest on your Balance Transfers for up to 24 months

  • 0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1

{rate-display}

Virgin Money No Annual Fee Credit Card

Save on interest and pay no annual fee – ever.

Offer{mark}

Pay no interest on your Balance Transfers for up to 6 months

  • 0% p.a. for 6 months on balance transfers from approval. No balance transfer fee applies.1

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Earn more points, cashback, or travel perks – your choice?

Your credit card spending should pay you back. Earn Velocity Points or Virgin Money Points every time you tap, swipe or shop. Then, redeem them for gift cards, travel perks or rewards you’ll actually use. It’s rewards made simple – just the way it should be.{sub-heading}

Help me choose a Virgin Money credit card

Answer the three questions below and we'll help you find a Virgin Money credit card.{sub-heading}

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Frequently asked questions

Everything you need to know about your credit card{sub-heading}

Get help

How do I make payments on my credit card?

Discover various payment methods, including BPAY and direct debit, and bank@post. Ensure timely payments to maintain your account in good standing.

Learn About Payments

How do I set up and activate my Virgin Money credit card?

Learn how to activate your new Virgin Money credit card and set up your PIN through online banking or by calling our Customer Care Team at 13 37 39, operating hours are 24/7.

Activate Your Card

How do I use my credit card effectively?

Get the most out of your Virgin Money credit card with online account management, making payments, and tips for traveling overseas.

Using Your Card

What is a credit card and how does it work?

A credit card is a way to get ‘credit’ from a bank, or in more simple terms borrow money from a bank up to a set limit. You can use a credit card the same way you would use a debit card, but you’ll need to remember to pay off the minimum amount each month by the set due date. With many credit cards you can also earn rewards or cashback on accepted purchases.

How do credit cards work?

A credit card gives you access to money (or ‘credit’) up to an agreed limit with your bank. You will receive a bill each month for what you have spent. As long as you pay the minimum amount required off before the due date each month, you will always have access up to your agreed credit limit.

How does credit card interest work?

You can minimise the amount of interest you need to pay on your credit card by paying the Closing Balance by the Payment Due Date shown on your statement. How much interest you’ll pay will depend on the type of card you have, how much you have spent and the timings of when you make your repayments. Most credit cards also have an annual fee charge, and potentially other fees and charges, which are separate to credit card interest. You can enjoy the benefit of an Interest Free Period for Retail Purchases when you pay the Interest Free Days Payment, or the statement Closing Balance, in full by the Payment Due Date. Please note that Cash Advances and Balance Transfers incur interest on the outstanding balance on a daily basis.

What is considered a good credit score in Australia?

Generally, a bureau credit score between 670-739 is considered ‘good’ - we will determine your credit limit when we apply our credit assessment criteria to your individual financial situation.

What is a credit card limit and how is it set?

A Credit Limit is the maximum Outstanding Balance your account can have at any time, as agreed with the bank.

How do I apply for a credit card in Australia?

The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It will take at least 20 minutes to complete if you have all your information available. Once you are approved you will be able to access your Card within the Virgin Money app and can download to your digital wallet. We will send you a physical card within 10 working days of approval.

What is a balance transfer on a credit card?

A balance transfer involves transferring the balance(s) of your credit cards or loans from other banks or financial institutions to a Virgin Money Credit Card. The balances transferred will receive a promotional interest rate for a set period of time.
Once the balance(s) has been transferred, you’ll need to close the other credit facilities you transferred balances from if you choose, as this does not happen automatically.
An Interest Free Period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date while you have a Balance Transfer.
When considering a balance transfer promotion it’s easy to focus on the low or zero interest rate being offered, however it is important to consider the other features of the card and any applicable terms and conditions of the promo.

We can’t process balance transfers from certain issuers – see our indicative list.18

Learn more about balance Transfers

How does a balance transfer affect credit card interest charges?

Once a balance transfer is processed on your Virgin Money Credit Card here’s what you need to know about the interest rate changes:

  • Many people choose to transfer their balance to take advantage of a 0% balance transfer interest rate - which means you don’t pay any interest on that balance for a set period of time. But you should always check what the balance transfer interest rate is at the time you accept the offer.
  • At the end of the balance transfer period, the interest rate on any outstanding balance and the balance transfer fee will revert to the Annual Percentage Rate for Cash Advances. To pay off your balance transfer before the end of the promotional period you will need to pay at least the amount of the interest free day payment and the total of the balance transfer balance.

How do I earn and transfer Velocity Points to my Velocity Frequent Flyer account?

For the Velocity High Flyer Credit Card and Velocity Flyer Credit Card, Velocity Points can be earned on Eligible Transactions10 and Virgin Australia spend. 41 At the end of your statement period, the Velocity Points earned for that period will be automatically transferred to your Velocity Frequent Flyer Account.

What can I redeem Velocity Points for?

You can redeem your Velocity Points for all kinds of adventurous things. Here are just a couple:

  • Domestic and international flights with Virgin Australia, Virgin Samoa, Etihad Airways, Virgin Atlantic, Virgin America, Delta and more.
  • A range of great hotels, car rentals and products including gift cards and vouchers.
  • Head to velocityfrequentflyer.com to see the full range of what's on offer or give the Velocity Team a call on 13 18 75.

How do I earn Virgin Money Reward Points?

Virgin Money Points can be earned on Eligible Transactions for the Virgin Money Anytime Rewards Credit Card29. You’ll also be able to earn Bonus Points4 through a huge range of partner offers and book hotels through the Virgin Money Rewards Hub. Not to mention, you’ll get access to other epic perks and experiences along the way. Check out the Rewards Hub for more information
​We might just decide to say thanks or well done with points, for doing a bunch of good things for you (not us). And when it comes to using your points, we’ll give you plenty of ways that work for you too. ​

What can my Virgin Money Rewards Points be used for?

Turn your points into cash and send it straight into your chosen Virgin Money account, EPIC! Put a big line through that purchase like it never happened. Simply use your points to pay for an item you've already bought - and poof! - the value will be credited back to your account. That's not banking, that's points magic. Got a special something (or someone) in mind? Swap your points for a gift card from brands like Amazon, Bunnings or JB Hi-Fi and instantly use in store or online. Want to pay it forward? We’re all about sharing the love. With Virgin Money you can gift your points to anyone you want, as long as they bank with us.
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Important Information

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