Virgin Money credit cards

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.

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Important information

Fees, charges, and credit criteria apply. New cards customers only and cannot be used in conjunction with any other offers. See our full terms and conditions here. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

All interest rates shown are variable. This information is correct at 14 March 2025. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you 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, Virgin Australia Velocity Flyer Card and Virgin Money Anytime Rewards Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria.

All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money.

Please note that to read our PDF forms, you will need to have Adobe Reader installed on your computer.

Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Virgin Money Credit Cards ("Credit Cards"). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

To obtain a copy of the Target Market Determination (TMD) related to this product.

Things you should know

1. Offer commenced 03 February 2025. Your total Balance Transfers may not exceed 80% of your credit limit. The Balance Transfer interest rate applies to balances transferred with this offer for the period shown, from the date the Balance Transfer is processed, and the balance transfer fee (if applicable). At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Money Anytime Rewards Card, Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Please note that unless advertised otherwise, you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable ongoing purchase rate. If we approve your credit card application, the Balance Transfer offer will be available for 3 months from the date your application is approved. Both Velocity Points and Virgin Money Points are not issues on balance transfers. Offer may be varied or withdrawn at any time. If a balance transfer fee applies the fee will be debited from your account on the day or the day after your balance transfer is processed. View more information about Balance Transfers.

2. Purchase Rate offer: Offer commenced 5 March 2024. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024.Offer may be varied or withdrawn at any time. The promotional rate of 0% p.a. applies to retail purchases for the promotional period advertised from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 19.99% p.a. on the Virgin Money No Annual Fee Card will apply to any outstanding retail purchases and any new retail purchases. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a Balance Transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information.

4. You can earn Bonus Points through offers from selected partners when you shop online at participating retailers through the Partner Offers in the Rewards Hub or make a settled debit card purchase with selected merchants described in the Partner Offers in the Rewards Hub. Online Only Offers are facilitated by Ascenda and are subject to Ascenda’s additional Ascenda Terms and Conditions. Individual offers may also be subject to relevant merchants’ terms and conditions.

5. The Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit is a Special Feature available to Primary Cardholders only. An additional 20% Bonus Status Credits will be awarded when you fly on an Eligible Virgin Australia Flight and meet eligibility criteria being: a) a flight purchased using your Virgin Australia Velocity High Flyer Card directly with Virgin Australia (via Virgin Australia website, Virgin Australia Call Centre or Virgin Australia App); b) the Virgin Australia flight is eligible to earn Status Credits; c)  your Velocity membership number was provided against the booking at the time of purchase or before your date of travel; d) at the time of booking, purchasing and taking the flight, your credit card account must be open and in good standing.  The amount of Bonus Status Credits is capped at 100 Bonus Status Credits each credit card anniversary year. Status Credit earn is subject to the fare type and distance travelled. We will allocate Bonus Status Credits within 60 days of the allocation of your base Status Credits to your Velocity Program account. See Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms & Conditions for full details and definitions.

8. Unless advertised otherwise, the interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.

9. Withdrawal limits, fees and charges may apply.

10. Velocity membership Terms and Conditions, apply. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition

12. Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. For more details and terms and conditions click here.

13. Offer commenced 4 September 2024. 80,000 bonus Virgin Money Points will be awarded to new and approved Virgin Money Anytime Rewards Credit Card account holders when $3,000 or more is spent on eligible purchases within 3 months from account approval. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Virgin Money Account up to 2 months after the qualifying purchases. Offer may be varied or withdrawn at any time. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

14. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit www.concierge-asia.visa.com for details.

16. Offer commenced 3 February 2025. Up to 50,000 bonus Velocity Points offer is available to new and approved Virgin Australia Velocity Flyer Card account holders. 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 account approval. The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a Balance Transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 2 months after the qualifying purchases. Velocity membership Terms and Conditions apply. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

17. The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of use for full details.

18. Offer commenced 3 February 2025. Your total Balance Transfers may not exceed 80% of your credit limit. The Balance Transfer interest rate applies to balances transferred with this offer for the period shown, from the date the Balance Transfer is processed, and the Balance Transfer fee (if applicable). At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Money Anytime Rewards Card, Virgin Australia Velocity Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Please note, you will be charged interest on retail purchases while you have a Balance Transfer.  If we approve your credit card application, the Balance Transfer offer will be available for up to 3 months from the date your application is approved. Both Velocity Points and Virgin Money Points are not issued on Balance Transfers. Offer may be varied or withdrawn at any time. Offer commenced 3 February 2025. Your total Balance Transfers may not exceed 80% of your credit limit. The Balance Transfer interest rate applies to balances transferred with this offer for the period shown, from the date the Balance Transfer is processed, and the Balance Transfer fee (if applicable). At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Money Anytime Rewards Card, Virgin Australia Velocity Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Please note, you will be charged interest on retail purchases while you have a Balance Transfer.  If we approve your credit card application, the Balance Transfer offer will be available for up to 3 months from the date your application is approved. Both Velocity Points and Virgin Money Points are not issued on Balance Transfers. Offer may be varied or withdrawn at any time. If a Balance Transfer fee applies, the fee will be debited from your account on the day or the day after your Balance Transfer is processed. View more information about Balance Transfers.

20. Offer commenced 3 February 2025. Up to 80,000 bonus Velocity Points offer is available to newly approved Virgin Australia Velocity High Flyer Card account holders. 40,000 bonus Velocity Points will be awarded each month $3,500 or more is spent on eligible purchases for first 2 months from card approval (spend period).  The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a Balance Transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page.  Points will be credited to the Primary Cardholder's Velocity account up to 2 months after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers.   Offer is not available to existing Virgin Money Credit Card holders (including upgrades). Velocity membership, Status Credits earn and Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time. This offer is not applicable or valid in conjunction with any other advertised or promotional offer.

29. Earn 1 Virgin Money Point for every $1 spent on Eligible Transactions. There is no limit to the amount of points you can earn. Points will be transferred to your Virgin Money Rewards account within 15 Business Days after an Eligible Transaction has been processed by us. To earn and redeem Virgin Money Points, you must hold a Virgin Money Anytime Rewards Credit Card and add your credit card to your account profile in the Virgin Money app. Points earn and redemption are subject to the Virgin Money Rewards Terms and Conditions and the Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions for full details and definitions.

33. The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Virgin Australia Lounge Pass Benefit Terms & Conditions for full details. Get the latest information on Virgin Australia lounge access. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and as amended from time to time.

36. For a list of compatible Apple Pay devices, see support.apple.com/en-us/102896.

37. Samsung Pay is only compatible with selected Samsung devices. For full list of compatible devices, please visit www.samsung.com/au/apps/samsungpay/ .

39. Offer commenced 4 September 2024. Virgin Australia Velocity Flyer Card no annual fee offer is available to new customers. The annual card fee is $0 for the first year, then $149 will be charged on the anniversary of your card account being opened with Virgin Money. Offer may be varied or withdrawn at any time. Annual fees are subject to change.

40. Google, Android, Google Pay and Google Wallet are trademarks of Google LLC. Terms and Conditions are available here. Google Pay is available on compatible Android mobile devices.

41. The Accelerated Velocity Points Earn Benefit is a Special Feature available to Primary Cardholders only. Earn an additional 1 Velocity Point with your Virgin Australia Velocity Flyer Card, or 2 Velocity Points with your Virgin Australia Velocity High Flyer Card per $1 spent on eligible Virgin Australia Purchases. Virgin Australia Purchase means the purchase of a Virgin Australia flight, product or service via the Virgin Australia website at virginaustralia.com, Virgin Australia App or via the Virgin Australia Contact Centre using your Virgin Australia Velocity Flyer or High Flyer Credit Card. Your Account must be in good standing at the time of the Virgin Australia Purchase. To receive Velocity Points you must supply your Velocity membership Account Information. See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.