Fees, charges, and credit criteria apply. See our full terms and conditions here.
All interest rates shown are variable. This information is correct at 16 January 2019. 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 and Virgin Australia Velocity Flyer 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.
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. BOQ does not and will not guarantee or otherwise support Citibank's obligations under the contracts or agreements connected with the Credit Cards.
*Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card and Virgin Money No Annual Fee Card – 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. 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. Velocity Points are not issued on balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 16 January 2019. This offer is valid until 31 March 2019. For the Virgin Money No Annual Fee Card balance transfer offer a 3% balance transfer fee applies. The balance transfer fee is charged once only and is added to your balance transfer amount at the time we process your request.
**Offer applies to new approved Virgin Australia Velocity Flyer Card customers who apply by 31 March 2019 under the 0% p.a. for 18 months on balance transfer offer. Earn 3 bonus Velocity Points on top of your standard earn rate for each eligible $1 spent per month in the first 3 months from card approval. Points earn capped at 10,000 per month for the first 3 months, after which time standard earn rates apply for remainder of the month. Standard earn rate applies after promotional period. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Card Point promotions or offers. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer 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.
***On retail purchases earn 0.66 Velocity Points per $1 spent, up to $1,500 each statement period, then 0.5 Velocity Points per $1 spent. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. 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). For full details see definition Changes to your Rewards Terms and Conditions and Complimentary Insurance Terms and Conditions.