Compare Virgin Money credit cards

Looking for the right card? Compare Virgin Money credit cards side by side—from low rates and no annual fees to rewards, Velocity Points and balance transfer options. See what suits your lifestyle.

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Find the right credit card for your wallet

Whether you’re after rewards, lower rates, or no annual fee, we’ve got options worth comparing. Browse the full range of Virgin Money credit cards and pick the one that works for you.

Virgin Money Credit Cards{thead colspan-4 no-cell-style}
Card Name
Virgin Australia Velocity High Flyer Credit Card
Virgin Australia Velocity Flyer Credit Card
Virgin Money Anytime Rewards Credit Card
Offer{thead colspan-4 no-cell-style}
Limited time offer
Earn Up to 80,000 bonus Velocity Points20.
Earn Up to 50,000 Bonus Velocity Points. Receive 25,000 points for each month you spend $1,500 or more on eligible purchases in the first 2 months from card approval. 16
Earn 80,000 bonus Virgin Money Points13
Rates, fees & limits{thead colspan-4 no-cell-style}
Annual fee
$329
$149
$149
Interest-free period
Up to 44 days on retail purchases⁸. You will be charged interest on retail purchases while you have a balance transfer.
Up to 44 days on retail purchases8 You will be charged interest on retail purchases while you have a balance transfer.
Up to 55 days on retail purchases8 You will be charged interest on retail purchases while you have a balance transfer.
Purchase rate
20.74% p.a.
20.74% p.a.
19.99% p.a.
Cash advance rate
20.99% p.a.
20.99% p.a.
20.99% p.a.
Balance transfer rate
0% p.a. for 12 months¹ (Reverts to cash advance rate thereafter).
0% p.a. for 12 months. With a 2% BT fee. Reverts to cash advance rate.
0% p.a. for 12 months¹ (Reverts to cash advance rate thereafter.
Credit limit
$15,000 - $100,000
$6,000 - $100,000
$6,000 – $100,000
Minimum income
$75,000
$35,000
$35,000
Points{thead colspan-4 no-cell-style}
Velocity Points earn rate
Earn 1 Velocity Point per $1 spent on Eligible Transactions up to $8,000 each statement period, then 0.5 Points per $1 spent thereafter¹⁰.
0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter..
X
Virgin Money Points earn rate
X
X
Earn 1 Virgin Money Point per $1 spent on Eligible Transactions, uncapped.29
Boost Points
Earn 2 extra Velocity Points per $1 spent directly with Virgin Australia.41
Earn 1 extra Velocity Point for every $1 spent directly with Virgin Australia41 Plus as a Velocity member you will earn 5 Points per $1 spent when you fly on eligible flights with Virgin Australia.
Become a points pro and boost your Virgin Money Points4 by shopping through our partner offers via the Virgin Money app.
What can I redeem with my Velocity Points?
80,000 bonus Velocity Points20 is enough for an upgrade to Business Class, or even a flight to Europe to sip negronis in Italy.
40,000 Velocity Points will get you multiple flight upgrades, or an Economy flight to visit your friend who went to London and never came back.
X
Velocity Partners & Offers
Velocity has an extensive network of global program partners and offers.
Velocity has an extensive network of global program partners and offers.
X
Points capping
X
No cap on points earned.
No cap on points earned
Travel benefits{thead colspan-4 no-cell-style}
Virgin Australia gift voucher
$129 Virgin Australia Gift Voucher each year¹⁷ (when you make a retail purchase in the 2 months prior to requesting the voucher).
$129 Virgin Australia Gift Voucher, each year17, when you make a retail purchase in the 2 months prior to requesting the voucher.
X
Velocity Membership Bonus Status Credits
Up to 100 Bonus Status Credits each year when you book and fly on an eligible Virgin Australia flight⁵.
X
X
Virgin Australia Lounge passes
2 complimentary Single Entry Lounge passes each year³³.
X
X
Complimentary Insurances6{thead colspan-4 no-cell-style}
International Travel Insurance
Covers overseas medical expenses, trip cancellations, lost luggage, and more when travel is booked on the card.
X
X
Domestic Travel Insurance
Covers eligible domestic trips for cancellations, baggage loss, and unexpected costs.
X
X
Domestic Rental Vehicle Excess Insurance
Covers rental car insurance excess when using the card to book rental vehicles within Australia.
X
X
Extended Warranty Insurance
Covers up to an additional 12 months on eligible items purchased with the card.
Covers an additional 12 months on eligible items purchased with the card.
X
Purchase Protection Insurance
Covers loss, theft, or accidental damage on eligible purchases for 90 days.
Covers loss, theft, or accidental damage on eligible purchases for 90 days.
X
Security12 {thead colspan-4 no-cell-style}
Visa’s Zero Liability policy
Protects against fraudulent transactions when using the card.
Protects against fraudulent transactions when using the card.
Protects against fraudulent transactions when using the card.
Visa Checkout
Enables secure online payments with faster checkouts.
Enables secure online payments with faster checkouts.
Enables secure online payments with faster checkouts.
Verified by Visa
Additional security for online transactions to prevent fraud.
Additional security for online transactions to prevent fraud.
Additional security for online transactions to prevent fraud.
Visa payWave
Contactless payment feature for quick and secure transactions.
Contactless payment feature for quick and secure transactions.
Contactless payment feature for quick and secure transactions.
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Tab Title
Rewards Cards
Offer{thead}
Card Name
Low Rate
No Annual Fee
Offer{thead}
Limited time offer
0% p.a. balance transfer for 15 months.1 With a 3% BT fee. Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.
0% p.a. for 6 months on purchases.2 Reverts to ongoing purchase rate of 19.99% p.a.
Rates, fees & limits{thead}
Annual fee
$99
$0
Interest-free period
Up to 55 days on retail purchases.⁸ Note: Interest will be charged on retail purchases while you have a balance transfer.
Up to 55 days on retail purchases⁸. Note: Interest will be charged on retail purchases while you have a balance transfer.
Purchase rate
12.99% p.a.
0% p.a. for 6 months on purchases2 then reverts to 19.99% p.a.
Cash advance rate
21.69% p.a.
20.99% p.a.
Balance transfer rate
0% p.a. for 15 months¹ (3% balance transfer fee applies). Reverts to cash advance rate thereafter.
0% p.a. for 12 months¹ (Reverts to cash advance rate thereafter).
Credit limit
$2,000 - $100,000
$2,000 - – $100,000
Minimum income
$35,000
$25,000
Points{thead}
Velocity Points earn rate
X
X
Virgin Money Points earn rate
You cannot earn Virgin Money points on your everyday spend on Eligible Transactions
You can earn Virgin Money Points on everyday spend on Eligible Transactions
Boost Points
You can earn loads of Virgin Money Bonus Points4 from personalised partner offers, all from the palm of your hand in the Rewards Hub of the Virgin Money app.
You can earn loads of Virgin Money Bonus Points4 from personalised partner offers, all from the palm of your hand in the Rewards Hub of the Virgin Money app.
What can I redeem with my Velocity Points?
X
X
Velocity Partners & Offers
X
X
Points capping
X
X
Travel benefits{thead}
Virgin Australia gift voucher
X
X
Velocity Membership Bonus Status Credits
X
X
Virgin Australia Lounge passes
X
X
Complimentary Insurances6{thead}
International Travel Insurance
X
X
Domestic Travel Insurance
X
X
Domestic Rental Vehicle Excess Insurance
X
X
Extended Warranty Insurance
X
X
Purchase Protection Insurance
X
X
Security12{thead}
Visa’s Zero Liability policy
Protects against fraudulent transactions when using the card.
Protects against fraudulent transactions when using the card.
Visa Checkout
Enables secure online payments with faster checkouts.
Enables secure online payments with faster checkouts.
Verified by Visa
Additional security for online transactions to prevent fraud.
Additional security for online transactions to prevent fraud.
Visa payWave
Contactless payment feature for quick and secure transactions.
Contactless payment feature for quick and secure transactions.
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Tab Title
Low Rate/No Annual Fee
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Frequently asked questions

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

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Manage Your Credit Card Application

Give our Applications Team a call on 1300 335 213, they're available Monday to Friday from 8am to 8pm (Sydney time)and Saturday from 8:30am to 5:30pm (Sydney time). Be sure to have your application reference number handy.

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Making Payments on Your Credit Card

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

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Set Up and Activate Your 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.

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Using Your Credit Card

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

Using Your Card

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Help and support

Instalment Plans on credit cards

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Velocity Points Calculator

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Contact Us

Need help? Our team is here for you. Find answers, manage your application, or update your details with ease.{sub-heading}

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Pick up where you left off – finish your application, upload documents, or check your progress anytime.

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Financial difficulty assistance

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Manage your card anytime, anywhere

Track spending, redeem rewards, and manage payments easily through the Virgin Money app. From tracking spending to transferring funds, enjoy seamless banking with powerful features designed for your financial needs. That’s more like it..{sub-heading}

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Set up & stay on top of your spending

Download the app from the App Store or Google Play, link your credit card by selecting 'Existing Customer,' enter your mobile number linked to your Virgin Money credit card and follow the prompts.

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Stay in control with smart card management

Lock and unlock your card instantly, set or change your PIN, and manage spending within the app.

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Tap, pay & go with digital wallets

Link your Virgin Money credit card to Apple Pay36, Samsung Pay37, or Google Pay40 for fast, secure, and contactless payments.

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{float-button, social, external-link}App Store