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.

Virgin have re-launched two cards through an alliance with Citibank allowing customers to benefit from some attractive 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.

The Virgin Flyer Credit Card that gives you 1 Velocity Point for every dollar you spend up to $1,500 per month and then 1 Point for every $2 after that. You can also get access to great offers, such as buy one get one free on Virgin Blue seats when using your Virgin card as payment.
You can also take advantage of an impressive balance transfer rates while paying a low annual fee.

The Virgin No Annual Fee Credit Card comes with a low balance transfer rate plus a great purchase rate so you can use your card to manage your current balances while having access to credit when you need it.

Both cards also allow you to enjoy up to 44 days interest free on purchases plus exclusive access to Virgin family offers

Virgin No Annual Fee Card

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Introductory Offer
Balance Transfer Rate: 2.9% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: $2,000 - $10,000
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 $25000 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

  • Optional CreditShield Edge – Credit Protection Insurance
  • *No Annual Fee Credit Card Balance Transfer 2.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. Transferred balances are repaid first. At the end of the balance transfer period, your interest rate will revert to the Virgin No Annual Fee Credit Card APR for cash advances, currently 20.99% p.a. The current Virgin No Annual Fee Credit Card APR for retail purchases is 18.99% p.a. Interest rates are variable, subject to change and our credit criteria.

Virgin Money Velocity Flyer Card (Points Offer)

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Advice

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: 2.9% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% 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

  • Earn up to 15,000 bonus Velocity Points – 7,500 points when you apply for a new Virgin Flyer Credit Card by 30 June 2013 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

Credit Card Rewards

  • Earn 1 Velocity Point per $1 spent up to $1,500 per month. 1 Velocity Point for every $2 spent thereafter.

Virgin Money Velocity High Flyer Card

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Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second seat on the flight for FREE, 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: 1.9% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% 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

  • Earn 1.25 Velocity Points per $1 spent, uncapped!
  • 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

  • Earn 1.25 Velocity Points per $1 spent, uncapped!
  • 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 Low Rate Card

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Introductory Offer
Balance Transfer Rate: 2.9% p.a. for 9 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.69% p.a.
Purchases: 10.99% p.a.
Cash Advance: 21.69% p.a.
Annual Fee: $99
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 (BT Offer)

Apply Now >

Advice

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 9 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% 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

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

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