Compare Virgin Money credit cards
Looking for the right card? Compare Virgin Money credit cards side by side - from a low rate and no annual fee to rewards, Velocity Points and balance transfer options. See what suits your lifestyle.{sub-heading}
Find the right credit card for your wallet
Whether you’re after rewards, a lower rate, 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.
Introductory offers
We can’t process balance transfers from certain issuers – see our indicative list.18
Offer{mark}
Earn up to 100,000 Bonus Velocity Points20
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- 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
Offer{mark}
Earn up to 70,000 Bonus Velocity Points16
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- 25,000 Bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 2 months from approval.
- 20,000 Velocity Points 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}
0% p.a. for 24 months on balance transfers.
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3% balance transfer fee applies.1 Reverts to cash advance rate.
Offer{mark}
Earn 60,000 Bonus Virgin Money Rewards Points13
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- 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}
0% p.a. for 24 months on balance transfers.
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3% balance transfer fee applies.1 Reverts to cash advance rate.
Offer {mark}
0% p.a. for 24 months on balance transfers.
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3% balance transfer fee applies.1 Reverts to cash advance rate.
Offer {mark}
0% p.a. for 6 months on balance transfers.1
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Reverts to cash advance rate.
$329
Annual fees are subject to change.
From 1 October 2026 the Annual Fee will increase to $349
$149
Annual fees are subject to change.
From 1 October 2026 the Annual Fee will increase to $169
$149
Annual fees are subject to change.
From 1 October 2026 the Annual Fee will increase to $169
$99
Annual fees are subject to change.
Up to 55 days on retail purchases8
From 1 October 2026, the Interest Free period will change to up to 44 days
20.74% p.a.
From 1 October 2026 the purchase rate will change to 21.99% p.a.
20.74% p.a.
From 1 October 2026 the purchase rate will change to 21.99% p.a.
19.99% p.a.
From 1 October 2026 the purchase rate will change to 21.99% p.a.
20.99% p.a.
From 1 October 2026 the cash advance rate will change to 21.99% p.a.
20.99% p.a.
From 1 October 2026 the cash advance rate will change to 21.99% p.a.
20.99% p.a.
From 1 October 2026 the cash advance rate will change to 21.99% p.a.
Earn 1 Velocity Point per $1 spent on Eligible Transactions up to $8,000 each statement period, then 0.5 Points per $1 spent thereafter.10
From 1 October 2026, the earn rate will change to 0.75 Velocity Points per $1 spent on Eligible Transactions up to $5,000 per statement period, then 0.25 Points per $1 spent thereafter.
0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter.10
From 1 October 2026, the earn rate will change to 0.5 Velocity Points per $1 spent on Eligible Transactions up to $1,500 per statement period, then 0.25 Points per $1 spent thereafter.
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
Plus, earn 5 Points per $1 spent on eligible Virgin Australia flights as a Velocity Points earning credit cardholder.61
Fly Sydney to Paris for 80,000 Velocity Points plus $478.67 on a one way Economy Reward Seat with Qatar Airways.28
The advertised price includes base fare in Velocity Points and the cash value in taxes, fees and carrier charges. Values & rates are subject to change and may vary overtime.
Fly Melbourne to Queenstown for 30,700 Velocity Points plus $162.26 on a one way Economy Reward Seat with Virgin Australia.28
The advertised price includes base fare in Velocity Points and the cash value in taxes, fees and carrier charges. Values & rates are subject to change and may vary overtime.
Frequently asked questions
Everything you need to know about your credit card{sub-heading}
Manage your credit card application
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.
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.
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.