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Virgin Money
Credit Cards Review

Compare Virgin Money Credit Cards Compare Virgin credit cards – read our review and compare the features and benefits available from Virgin Money. We can help you to make an informed decision and find a credit card that suits you.

Virgin credit cards offer a great way to manage your money, giving you access to funds while allowing you to benefit from great features.

You can now earn Velocity Points with Virgin credit cards, allowing you to be rewarded for you spending. Alternatively, if you're not much of a traveller then you may be happier to choose the no annual fee card.

Virgin Low Rate Card

Introductory Offer
Balance Transfer Rate: 0% p.a. for 14 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.69% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.69% p.a.
Annual Fee: $99 - 50% off in 1st year = $49.50
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

  • Get 1 Velocity point for every $1 spent on the card for the first $1500 per month & then 1 point per $2 spent thereafter.
  • Redeem points for flights with Virgin Blue, Pacific Blue, V Australia and international partner airlines giving customers free flights to over 400 destinations. Plus a range of non flight redemption options such as car hire, accommodation gift cards and other goods.
  • No blackout periods and points can be redeemed on any seat and any time.
  • Take a friend for free when you fly on Virgin Blue (equates to 4 free one way flights per year)
  • Fraudshield protection and Visa Zero Liability Insurance
  • Optional CreditShield Edge
  • Travel Accident Insurance and Concierge
  • Great Customer Service

Virgin Money Velocity Flyer Card (Annual Fee Offer)

Advice

Exclusive offer - $64 annual fee for the first year!
Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 months
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: $129 - $65 off in 1st year = $64
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

  • Exclusive offer - $64 annual fee for the first year, that’s a saving of $65.
  • Earn up to 15,000 bonus Velocity Points – 7,500 points when you apply for a new Virgin Flyer Credit Card and make a retail purchase. And an additional 7,500 Points when you spend $5,000 within 3 months of card approval. That’s a total of 15,000 bonus Points!!
  • Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent.
  • Redeem points for flights with Virgin Blue, Pacific Blue, V Australia and international partner airlines giving customers free flights to over 400 destinations. Plus a range of non flight redemption options such as car hire, accommodation gift cards and other goods.
  • No blackout periods and points can be redeemed on any seat and any time.
  • Take a friend for free when you fly on Virgin Blue (equates to 4 free one way flights per year)
  • Fraudshield protection and Visa Zero Liability Insurance
  • Optional CreditShield Edge
  • Travel Accident Insurance and Concierge
  • Great Customer Service

Virgin Australia Velocity Flyer Card (BT offer)

Advice

Enjoy an exclusive $129 Virgin Australia Gift Voucher each year. Simple make a retail purchase in the 2 months prior to requesting your voucher. Use your Virgin Australia Gift Voucher when booking Virgin Australia flights on any fare type (including sale fares) or selected Virgin Australia Holidays’ packages anytime within 6 months of voucher issue date.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $64 first year, then $129 p.a.
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Rewards

  • 0% p.a. for 18 months on balance transfers. Earn 3 bonus Velocity Points on top of your standard earn rates per $1 spent on Eligible Transactions in your first 3 months from card approval. Annual fee refund in your first year if you spend $1,000 per month on eligible purchase for the first 6 months from card approval (reverting to $129 annual fee thereafter).

Virgin Australia Velocity Flyer Card (BT & Purchase Rate Offer)

Advice

Exclusive reduced flights offer when you and a friend travel together on Virgin Australia domestic Saver fares up to 4 times a year!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 14 months
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $129
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

  • Fraudshield protection and Visa Zero Liability Insurance
  • Optional CreditShield Edge
  • Travel Accident Insurance and Concierge
  • Great Customer Service

Credit Card Rewards

  • Earn 1 Velocity Point per $1 spent up to $1,500 per month, then 1 Velocity Point for every $2 spent.
  • Redeem points for flights with Virgin Australia and international partner airlines giving customers flights to over 400 destinations. Plus a range of non flight redemption options such as car hire, accommodation gift cards and other goods.

Virgin Money Velocity High Flyer Card (Points Offer)

Advice

Get up to 80,000 bonus Velocity Points - Simply spend $3,000 per month on eligible transactions in the first 5 months and receive 16,000 velocity points each month.
Exclusive reduced flights offer when you and a friend travel together on Virgin Australia domestic Saver fares up to 4 times a year!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: $289
Standard Features
Credit Limit: $15,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $75,000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

  • Get up to 80,000 bonus Velocity Points - Simply spend $3,000 per month on eligible transactions in the first 5 months and receive 16,000 velocity points each month.
  • Earn 1 Velocity Points per $1 spent, up to $8,000 in a month, then 0.5 Velocity Points per $1 spent!
  • Redeem points for flights with Virgin Blue, Pacific Blue, V Australia and international partner airlines giving customers free flights to over 400 destinations. Plus a range of non flight redemption options such as car hire, accommodation gift cards and other goods.
  • No blackout periods and points can be redeemed on any seat and any time.
  • Take a friend for free when you fly on Virgin Blue (equates to 4 free one way flights per year)
  • Fraudshield protection and Visa Zero Liability Insurance
  • Optional CreditShield Edge
  • Travel Accident Insurance and Concierge
  • Great Customer Service

Credit Card Rewards

  • Get up to 80,000 bonus Velocity Points - Simply spend $3,000 per month on eligible transactions in the first 5 months and receive 16,000 velocity points each month.
  • Earn 1 Velocity Points per $1 spent, up to $8,000 in a month, then 0.5 Velocity Points per $1 spent!

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