Virgin Money Credit Cards | Comparison & Customer Reviews

Virgin Money Credit Cards

You can save money with low introductory rates or earn Velocity Frequent Flyer points as you spend on your new credit card.

0% p.a. for 22 months on balance transfers with a 1% BT fee (reverts to cash advance rate).
Save with a reduced $64 p.a. annual fee for the first year ($129 p.a. thereafter).
A $129 Virgin Australia Gift Voucher each year.
balance transfer
purchase rate
annual fee
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Virgin Australia Velocity Flyer Credit Card 22 Months Balance Transfer Offer
Apply by 02 dec 19
0% p.a. for 22 months on balance transfers with a 1% BT fee (reverts to cash advance rate).
Save with a reduced $64 p.a. annual fee for the first year ($129 p.a. thereafter).
A $129 Virgin Australia Gift Voucher each year.
More info
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22 months
0% p.a.
then 20.99%
with a 1% fee
20.74% p.a.
ongoing
$64
1st year
then $129
Virgin Australia Velocity High Flyer Credit Card
Apply by 02 dec 19
Earn up to 100,000 bonus Velocity Frequent Flyer Points. (Conditions Apply)
0% p.a. for 15 months on balance transfers.
Exclusive new $129 Virgin Australia Gift Voucher which cardholders get each year.
More info
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15 months
0% p.a.
then 20.99%
with a 0% fee
20.74% p.a.
ongoing
$289
ongoing
Virgin Australia Velocity Flyer Credit Card 0% p.a. Purchase Offer
Apply by 02 dec 19
2 reviews
0% p.a. for 14 months on purchases.
$129 Virgin Australia Gift Voucher each year.
Half annual fee in the first year (reverts to $129 p.a.).
More info
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6 months
0% p.a.
then 20.99%
with a 0% fee
14 months
0% p.a.
then 20.74%
$64
1st year
then $129
Virgin Money Low Rate Credit Card
Apply by 02 dec 19
4 reviews
Low interest rate of 11.99% p.a.
10% cashback (capped at $100 total) on spend in the first 3 months from card approval.
0% p.a. for 14 months on balance transfers (reverts to cash advance rate). No balance transfer fee.
More info
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14 months
0% p.a.
then 21.69%
with a 0% fee
11.99% p.a.
ongoing
$49
ongoing
Virgin Money No Annual Fee Credit Card
Apply by 02 dec 19
13 reviews
$0 annual fee for the life of the card.
0% p.a. for 12 months on balance transfers.
Up to 55 days on purchases.
More info
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12 months
0% p.a.
then 20.99%
with a 0% fee
18.99% p.a.
ongoing
$0
ongoing

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Q&As about Virgin Money Credit Cards from customers

Why should I choose Virgin Money?

Virgin Money introduced the wildly popular Virgin Credit Card in 2004 to Australia offering Australians a better deal! That offer finally ended in June 2009. Now Richard Branson’s Virgin Money are back with two new credit cards: a no annual fee credit card with a fairly low-interest rate on purchases and a frequent flyer credit card which lets you earn frequent flyer points on the Velocity Rewards program.

Can I keep my existing bank account and not switch?

Yes. Your credit card account and bank account are two separate entities. You can keep using your existing bank account as usual. You do not need to switch.

Will I be able to manage my card online?

Yes. Virgin have online banking. You can use it to check your balance, view recent transactions, send a payment, etc.

Do they have telephone banking?

Yes. You can also manage your account via telephone.

What cards do they offer and who are they suited to?

The Virgin Money No Annual Fee credit card comes with no annual fee and up to 44 days interest-free on purchases, as well as a low balance transfer rate.

The Virgin Money Low Rate Card does have an annual fee, but the ongoing purchase rate is among the lowest in the marketplace.

The Virgin Australia Velocity Flyer Credit Card is a rewards credit card linked to the Velocity Rewards program and has a low balance transfer rate. The annual fee is higher than their no annual fee / low rate cards but this could be offset by the Velocity Points and flight benefits with Virgin Australia.

The Virgin Australia Velocity High Flyer Credit Card is a premium credit card offering valued customers a range of generous rewards and benefits. It does come with a higher annual fee however this is offset by benefits including one of the highest Velocity Points earn rates around, plus it’s uncapped. You’ll also receive a range of complimentary insurance, flight benefits and more.

How do I earn Velocity Frequent Flyer points?

Customers will need apply for a card that earns points into the VFF scheme. Typically you can earn points on retail purchases as you spend on your credit card.

How are points transferred to my Velocity Frequent Flyer account?

Points are calculated at the end of each statement cycle. Points are automatically credited to the Velocity Frequent Flyer account within three business days of the end of a statement cycle.

Do Velocity points expire?

Points do not expire as long as you maintain your Velocity membership. You can keep your account active by earning or redeeming points.

What can I redeem points for?

Domestic and international flights to numerous destinations with Virgin Australia, V Australia, Pacific Blue, Polynesian Blue and other international Velocity partners. You can also exchange Velocity Frequent Flyer points for accommodation at selected hotels and resorts, car rentals, gift cards and vouchers, and various other products.

Isn’t Virgin an airline?

Yes, but Richard Branson is a busy guy who likes to start companies, hence Virgin Money.

In 2008, the five-year agreement came to an end and the Virgin Credit Card was withdrawn from the Australian market, although Virgin Money continued to operate a number of financial services in Australia. In 2010, Virgin relaunched a new selection of credit cards offering a very attractive mixture of no fees, low rates and beneficial reward programs.

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Rated 4.8 out of 5 for customer satisfaction.
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