Credit card rates and fees summary

Here you’ll find the rates and fees that are specific to the type of card you have.

Virgin Australia
Velocity Flyer Card

Annual fee $129
Additional cardholder fee $39
Purchase rate 20.74%
Cash advance rate 20.99%
Balance transfer rate on all cards Reverts to the cash advance rate at end of the offer period.

Virgin Australia
Velocity High Flyer Card

Annual fee $289
Additional cardholder fee $89
Purchase rate 20.74%
Cash advance rate 20.99%
Balance transfer rate on all cards Reverts to the cash advance rate at end of the offer period.

Low Rate Card

Annual fee $99
Additional cardholder fee $29
Purchase rate 11.99%
Cash advance rate 21.69%
Balance transfer rate on all cards Reverts to the cash advance rate at end of the offer period.

No Annual Fee Card

Annual fee No annual fee... ever
Additional cardholder fee None
Purchase rate 18.99%
Cash advance rate 20.99%
Balance transfer rate on all cards Reverts to the cash advance rate at end of the offer period.

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 $10 if your Payment Due isn't paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due is made.
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.
Virgin Money Credit Cards - View our handy FAQs

View our handy FAQs

Read more

Virgin Money Credit Cards - Need to contact us?

Need to contact us?

If you need help along the way give our Customer Care team a call on
13 37 39 They're available 24x7. 

Virgin Money Credit Cards - Manage your application

Manage your application

Read more