Information is current as at 3 September 2018 and is subject to change.
Home Loans: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 promotes and distributes the companion account and the home loans as the authorised representative and credit representative of the issuer and credit provider, Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence/AFSL 244 616 (the 'Lender').
The Lender's standard credit assessment criteria apply. Interest rates quoted are indicative only, and are subject to change without notice. See fees and charges that may be payable.
Canstar: The Virgin Money Reward Me - Owner Occupied Var 80 has been awarded CANSTAR's 5-Star Rating for Outstanding Value Home Loans - Variable Home Loan - Owner Occupied on the 29th March 2017. Refer to the 2017 CANSTAR Home Loan Star Ratings results available here for further details.
Insurances: Virgin Car Insurance, Virgin Home and Contents Insurance, Virgin Travel Insurance, Virgin Income Protection and Virgin Life Insurance are promoted by Virgin Money (Australia) Pty Limited (“Virgin Money”) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Travel: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance on behalf of the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. If you purchase a travel insurance policy, Virgin Money receives a commission which is a percentage of your premium – ask us for more details before we provide you with any services on this product. Income Protection Insurance and Life Insurance: is distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. All other benefits insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848. If you purchase an insurance policy, Virgin Money (Australia) Pty Limited receives a commission which is a percentage of your premium. For further details see the relevant Financial Services Guide and Product Disclosure Statement.
Information on our insurance products is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information, having regard to your personal financial situation, needs and objectives as well as the Product Disclosure Statement and Financial Services Guide before deciding whether to buy or to continue to hold this product.
Credit Cards: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 ("Virgin Money") distributes the Virgin Money Credit Cards ("Credit Cards") as the authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740, Australian credit licence 244616 ("BOQ"). Citigroup Pty Ltd ABN 88 004 325 080 AFSL/Australian credit licence 238098 ("Citibank") is the credit provider and issuer of the Credit Cards. All interest rates shown are variable. Applicants must be at least 18 years of age to apply for a credit card. Permanent residents must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to Citibank's credit criteria.
BOQ does not and will not guarantee or otherwise support Citibank’s obligations under the contracts or agreements connected with the Credit Cards and Citibank will not guarantee or otherwise support BOQ's obligations under the home loans.
Virgin Money's exclusive home loan offers cannot be combined with other Virgin Money credit card or Virgin insurance offers and do not apply to any renewal offers of insurance. Virgin Money reserves the right to change or withdraw these exclusive offers at any time without notice.
Velocity Terms & Conditions: Velocity Points are earned on the cost of wine only (excluding shipping). Velocity is owned and operated by Velocity Frequent Flyer Pty Limited ACN 601 408 824 of PO BOX 1034 Spring Hill 4004 as trustee of the Loyalty Trust. To earn and redeem Velocity Points, you must be a Velocity Member. Velocity Membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time.