Anytime Rewards Credit Card

Earn Virgin Money Points on every $1 spent on eligible transactions and redeem for cashback, gift cards and other rewards you’ll actually use. Spend your way and treat yo'self.{sub-heading}

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Anytime Rewards Credit Card Offers

Compare our latest Virgin Money Anytime balance transfer and rewards credit card offers to find the right option for you.

Offer 1{mark}

Earn 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). That’s worth $300 in gift cards or more in travel rewards.
  • 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies.1 Reverts to the cash advance rate.

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 Reverts to the cash advance rate.
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Anytime Rewards features

Earn Virgin Money Points for eligible transactions with the Virgin Money Anytime Rewards Credit Card,29 plus even more with Bonus Points through partner offers4

Coins Virgin Money Points

Max points, max rewards

Earn 1 Virgin Money Point for every $1 spent on Eligible Transactions,29 with no limit on the points you can rack up.

From 1 October 2026, the points earn will change to

1 Virgin Money Point per $1 Eligible Transaction made at major supermarkets or major restaurant and restaurant chains. 0.5 Points per $1 you spend for other Eligible Transactions.63

Bonus points

Bonus Points4 made easy

Boost your points balance by shopping with our partners – like HelloFresh and Chemist Warehouse – using your Virgin Money credit card.

Redeem rewards

Redeem your points, your way

Redeem points in the Virgin Money app for cashback, gift cards, transfers to Velocity Frequent Flyer, and more.

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Anytime Rewards Credit Card lowdown{font-dark}

A breakdown of our Anytime Rewards Credit Card’s perks, rates, fees and limits.{sub-heading}

Please see the forms and important information page{external-link} for full details.

Rates, fees & limits {thead}
Annual fee

$149. Annual fees are subject to change.

From 1 October 2026 the annual fee will increase to $169

Interest-free period
Up to 55 days on retail purchases8
Purchase rate

19.99% p.a.

From 1 October 2026 the purchase rate will change to 21.99% p.a.

Cash advance rate

20.99% p.a.

From 1 October 2026 the cash advance rate will change to 21.99% p.a.

Minimum credit limit
$6,000
Virgin Money Points {thead}
Standard Points

Earn 1 Virgin Money Point per $1 spent on Eligible Transactions, uncapped.29

From 1 October 2026, the points earn will change to

1 Virgin Money Point per $1 Eligible Transaction made at major supermarkets or major restaurant and restaurant chains. 0.5 Points per $1 you spend for other Eligible Transactions.63

Bonus points
You can earn Virgin Money Bonus Points4 from personalised partner offers, all from the palm of your hand in the Rewards Hub of the Virgin Money app.
Security{thead}
Visa’s Zero Liability policy12
Visa Checkout
Verified by Visa
Visa payWave
Interest Free Period applies to Retail Purchases if you pay the Closing Balance or Interest Free Days Payment (if you have a Balance Transfer and/or Instalment Plan) in full shown on your statement by the Payment Due Date.

Virgin Money Rewards

Shop smart, earn big. Every eligible purchase helps you rack up Virgin Money Points, giving you the freedom to redeem them how you like – so you can treat yo'self on shopping, dining, or travel perks. That’s more like it.

Find out more{external-link}

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Frequently asked questions

View all FAQs{external-link}

Are credit card rewards worth it?

If using a credit card is a convenient way to manage regular spending, you can take advantage of earning rewards on things you already buy.

Cards like the Anytime Rewards Credit Card offer Virgin Money Points on Eligible Transactions, which can be redeemed on rewards like cash back, gift cards or to pay for purchases you’ve already made.

As with any credit card, make sure you know the annual fee and interest rate, and pay your credit card bill in full every month to avoid additional fees and charges.

How do credit card rewards work?

When you pay for Eligible Transactions on a credit card that earns rewards, you earn ‘points’ for your spending. With the Anytime Rewards Credit Card, you earn Virgin Money Points, and these can be redeemed for rewards available in our Virgin Money Rewards program, which include cash back, gift cards and more.

Some cards have a limit on how many points you can earn on purchases. The Anytime Rewards Credit Card has no limit on the points you can earn.

What is Virgin Money Rewards?

Virgin Money Rewards is our loyalty program designed with you in mind. Our goal is to recognise and reward you for who you are, and to help you create better money habits. It’s about giving you a rewarding banking experience every day, not just someday.

You’ll be able to earn Bonus Points through a huge range of partner offers and hotel bookings through the Virgin Money Rewards Hub. Not to mention, you’ll get access to other epic perks and experiences along the way.

We might just decide to say thanks or well done, as well, 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.

How do I earn Virgin Money Points?

You can earn 1 Virgin Money Point for every $1 spent on Eligible Transactions,29 with no limit to the number of points you can earn.

What can I redeem my Virgin Money Points for?

Your Virgin Money Points can easily be redeemed via the Virgin Money app. Choose gift cards from a range of our partners, swap your points for cash back, transfer them to Velocity Frequent Flyer (part of Virgin Australia’s Velocity Frequent Flyer program), share them with a joint account holder or use your points to credit the amount of a recent purchase.

How do I know how many Virgin Money Points I have to redeem?

You can easily check your Virgin Money Points balance to see how many points you can redeem. Just go to the Rewards Hub in the Virgin Money app.

Can I get cash back with the credit card?

Yes, you can swap your points for cash back onto the primary cardholder’s Anytime Rewards Credit Card, or one of your linked savings accounts.

What does cash back on a credit card mean?

With the Anytime Rewards Credit Card, you can redeem the points you’ve earned for cash back, and the value of those points will be returned to your account in cash.
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Get points rich with our top tips

Find out how to fast-track earnings and the best way to redeem your Virgin Money Points.

What can your Virgin Money Points get you?

Here's a simple guide on how to treat yo'self and redeem your Virgin Points for gift cards.

Read more{external-link}

Pay less with your wallet and more with your points

Our pay with points feature means you can make past purchases go away. Check out how to make it work for you. Learn how it works and how you can use it.

Read more{external-link}

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Important Information

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