An Australian financial services business, Virgin Money, operated under the Virgin brand, offers a range of great value products including credit cards, superannuation, home insurance and travel insurance.
Rates and fees verified as correct at 23 July, 2017. Other information correct at the time of writing.
Take a look at the different kinds of Virgin Money Credit Cards that you can pick from:
A low rate credit card is a good choice for you if you’re the type of person who generally ends up paying only the ‘minimum monthly payment’. Explore the Virgin Money credit card that offers low ongoing variable purchase rates as well as a low-balance transfer rate to help you manage your money and save up on interest.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days |
|---|---|---|---|---|
| 11.99% p.a. | 0% p.a. for 12 months and then 21.69% p.a. | $99 | 44 |
Want to enjoy the advantages of having a credit card without worrying about a hefty annual fee? Then check out the Virgin credit card that comes at $0 annual fee.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days |
|---|---|---|---|---|
| 18.99% p.a. | 0% p.a. for 12 months and then 20.99% p.a. (3.00% balance transfer fee) | $0 | 44 |
With a Virgin Money rewards card, you can earn bonus Velocity Points on everyday purchases, which can be redeemed for gift vouchers, holiday bookings or flights. Cardholders also get access to a concierge service, exclusive Virgin family offers and free transit accident insurance.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 0.66 points per dollar on Visa, up to $1,500 per month, then | 20.74% p.a. | 0% p.a. for 18 months and then 20.99% p.a. (1.50% balance transfer fee) | $129 $64 in the first 1 year | Go to site | |
| 0.66 points per dollar on Visa, up to $1,500 per month, then | 20.74% p.a. | 0% p.a. for 6 months and then 20.99% p.a. | $129 | ||
| 0.66 points per dollar on Visa, up to $1,500 per month, then | 0% p.a. for 12 months then 20.74% p.a. | 0% p.a. for 6 months and then 20.99% p.a. | $129 | Go to site | |
| 1 point per dollar on Visa, up to $8,000 per month, then | 20.74% p.a. | 1.90% p.a. for 15 months and then 20.99% p.a. | $289 $144 in the first 1 year | Go to site |
A prestige card with Virgin Money can help you collect bonus Velocity points, which can go towards your next holiday. What's more, you'll get access to the Virgin Australia Domestic lounge plus free overseas travel insurance, transit accident insurance, purchase cover and extended warranty cover.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 1 point per dollar on Visa, up to $8,000 per month, then | 20.74% p.a. | 1.90% p.a. for 15 months and then 20.99% p.a. | $289 $144 in the first 1 year | Go to site |
If you want to turn your everyday expenses to reward points that would go towards flights, accommodation and Virgin Australia gift vouchers then a frequent flyer card is the perfect option for you. You’ll be able to earn Velocity points for every dollar you spend on eligible purchases, bringing you close to your next travel plan.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 0.66 points per dollar on Visa, up to $1,500 per month, then | 20.74% p.a. | 0% p.a. for 18 months and then 20.99% p.a. (1.50% balance transfer fee) | $129 $64 in the first 1 year | Go to site | |
| 0.66 points per dollar on Visa, up to $1,500 per month, then | 20.74% p.a. | 0% p.a. for 6 months and then 20.99% p.a. | $129 | ||
| 0.66 points per dollar on Visa, up to $1,500 per month, then | 0% p.a. for 12 months then 20.74% p.a. | 0% p.a. for 6 months and then 20.99% p.a. | $129 | Go to site | |
| 1 point per dollar on Visa, up to $8,000 per month, then | 20.74% p.a. | 1.90% p.a. for 15 months and then 20.99% p.a. | $289 $144 in the first 1 year | Go to site |
What do customers think of Virgin Money credit cards in terms of features, convenience and value for money? Read ratings and reviews below.
* Overall rating based on reviews in the past 12 months.
I have been dealing with Virgin Money with ease and the staff have always been friendly and helpful. When things got a bit hard to meet payment, they were great at providing me with other alternatives. I highly rate their customer service.
I have been dealing with Virgin Money with ease and the staff have always been friendly and helpful. When things got a bit hard to meet payment, they were great at providing me with other alternatives. I highly rate their customer service.
Kim (NSW), reviewed 6 months ago
Great for Velocity points, we pay our balance every month so unsure of interest rate for the card. High annual fee.
Great for Velocity points, we pay our balance every month so unsure of interest rate for the card. High annual fee.
Julie (WA), reviewed over 1 year ago
Love it as I earn point on this card too
Love it as I earn point on this card too
Ann marie (SA), reviewed over 1 year ago
Love the bonus points, good rates, really great bank
Love the bonus points, good rates, really great bank
Julian (VIC), reviewed over 1 year ago
Virgin credit cards are fantastic get rewards while you shop or pay bills
Virgin credit cards are fantastic get rewards while you shop or pay bills
Despina (NSW), reviewed over 1 year ago
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† Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.
Once you’ve had a careful look at all the Virgin Money Credit Cards that you can choose from and picked the one that suits your needs the most, click on the ‘Go to site’ button on Mozo to reach the Virgin Money website directly.
The application process shouldn’t take you more than 10 minutes if you’ve got all the information and required documents ready. You’ll need to provide information regarding your age, Australian residency status, driver’s licence (if you have one) and your financial details like your employment and monthly income details. If your application is approved, you’ll receive your card within 10 working days. You can also track your application progress online using your 17 digit reference number, which you’ll receive by email after you’ve submitted your application.
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