If you love to travel, the Virgin Australia Velocity High Flyer Card is for you. Earn Velocity Points on your everyday spend, plus enjoy exclusive flight benefits and a range of complimentary insurances. It’s a seriously rewarding credit card.

Virgin Money Credit Cards - Velocity High Flyer Card: Bonus Points offer

90,000 Bonus Point offer

  • Earn up to 90,000 bonus Velocity Points22
  • 0% p.a. for 15 months on balance transfers1 (reverts to cash advance rate)

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Get 30,000 bonus Velocity Points for each month you spend $3,000 or more on Eligible Transactions in the first 3 months from card approval22. Up to a total of 90,000 Velocity Points. No interest free days apply to retail purchases while you have a balance transfer.

Rates, annual fee & limits

Annual fee $289
Additional card fee $89
Purchase rate 20.74% p.a.
Interest free days on retail purchases(unless you have a balance transfer) Up to 448
Cash advance rate 20.99% p.a. Balance transfer rate at end of offer period Reverts to cash advance rate
Minimum credit limit $15,000 Minimum income required $75,000

Fees common across all our credit cards listed further down this page

Card features and benefits

Velocity Points Earn

Turn your everyday credit card spend10 into flights, accommodation and more.

Calculate Points     Learn more

Spend each statement period Standard earn rate on retail purchases
First $8,000 1 Point per $1
After $8,000 0.5 Points per $1

Here's an example of how you can earn Velocity Points

Spend $11,000
on retail purchases

   

8,000 Points
for the first $8,000 of spend in the statement period


 + 

1,500 Points
for spend over the initial $8,000 of spend in the statement period


 = 

9,500 Velocity Points
 

Exclusive Flight Benefit

Enjoy an exclusive $129 Virgin Australia Gift Voucher17 each year. To unlock your benefit, simply make a retail purchase in the 2 months prior to requesting your voucher.

You also get to relax, with two complimentary Single Entry Virgin Australia domestic Lounge passes33, on us, each year.

How the flight benefit works.

International Travel Insurance6

Cardholders are entitled to International Travel Insurance which may cover you and your family when travelling overseas, for medical expenses, loss or theft of personal items, unexpected trip cancellation and more when you purchase your overseas travel tickets on your Virgin Australia Velocity High Flyer Card as outlined in the Complimentary Insurance Terms and Conditions.

Extended Warranty Insurance6

Cardholders may be entitled to extended warranty insurance of up to 12 months which may cover you at the end of the Australian warranty period that applies to covered products you purchase on your Virgin Australia Velocity High Flyer card as outlined in the Complimentary Insurance Terms and Conditions.

Purchase Cover6

Cardholders receive 90 days complimentary insurance against loss, theft or accidental damage on covered products purchased anywhere in the world using your Virgin Australia Velocity High Flyer Card up to specified amounts as outlined in the Complimentary Insurance Terms and Conditions.

Fraudshield®

Rest assured that we're on the case, to keep your card safe around the clock with Fraudshield®. As long as you keep your contact details up to date, we'll contact you if we detect any irregular transactions on your account. Our cards also come with Visa's Zero Liability policy12, ensuring you won't be held liable for fraudulent transactions made with your card. 

Visa payWave

For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient9.

Personal Concierge

Take advantage of round-the-clock access to the Visa Platinum Concierge Service14. It's the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world.

Transit Accident Insurance6

This cover provides certain benefits in the event of accidental death and cover for cardholders who sustain an injury whilst on a trip, while riding as a passenger in or boarding or alighting transport while overseas, where the entire trip has been purchased on your Virgin Australia Velocity Flyer or High Flyer Card, as outlined in the Complimentary Insurance Terms and Conditions.

Guaranteed Pricing Scheme6

If you purchase the entire cost of covered products using your Virgin Australia Velocity Flyer or High Flyer Card, the scheme guarantees the cardholder gets the best price if, within 60 days of the purchase, they advise us that they have, subsequent to their purchase, received a catalogue showing the same covered products for a lower price from a store within 25 kilometers of the store from where the covered product was purchased, and the price difference is greater than AU$75, we will refund the price difference up to $500.  It does not apply to any purchases over the internet, as outlined in the Complimentary Insurance Terms and Conditions.

Visa Signature Benefits

Gain access to unique Visa privileges such as a range of great reduced holiday offers on hotels and resorts around the globe & up to 30% discount on green fees at some of the most prestigious golf clubs around the world. With Visa Platinum Benefits you'll also get exclusive access to pre-sale tickets to some of the most sought-after events in Australia.

Learn more

Samsung Pay

An easier, faster and secure way to tap and pay for purchases under $100*. Use your compatible Samsung device at point of sale terminals where you can swipe or tap your card.

More about Samsung Pay
*For purchases over $100, an ATM PIN is required for additional security.

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Virgin Money Credit Cards - Calculate your Velocity Points

Calculate your Velocity Points10

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Fees common across all our credit cards

A Cash Advance Fee ‐ (Domestic) On a cash advance less than $100: $2.70 per transaction
On amounts of $100 and over: 2.7% of the transaction amount
A Cash Advance Fee ‐ (International)

$5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date.

Please note this is in addition to any International Transaction Fee that may be payable.

International Transaction Fee

We charge you an International Transaction Fee of 3.3%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:

  • foreign currency once converted to Australian dollars; and/or
  • Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants).  The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia.

Dishonour Fee $15 each time a cheque or Direct Debit payment is dishonoured
Late Payment Fee

For payment due dates before 1 May 2019: $10 if your Payment Due isn’t paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due Date is made. 

For payment due dates on and after 1 May 2019: $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

Overlimit Fee $40 per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012.
Over-the-Counter Fee (Bank@Post) $2.50 per transaction
Paper Statement Fee For Flyer and High Flyer credit cards, each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances.