Take a look at the different kinds of Virgin Money Credit Cards that you can pick from:
Rates and fees verified as correct at 3 July 2022. Other information correct at the time of writing. Advertiser disclosure.
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 on purchases |
|---|---|---|---|---|
|
11.99% p.a. |
0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee) |
$99 |
55 |
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 on purchases |
|---|---|---|---|---|
|
0% p.a. for 12 months then 18.99% p.a. |
0% p.a. for 12 months and then 20.99% p.a. |
$0 |
55 |
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 28 months and then 20.99% p.a. |
$129 $0 in the first year |
|
|
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. |
$129 $64 in the first year |
|
|
0.66 points per dollar on Visa, up to $1,500 per month, then |
0% p.a. for 14 months then 20.74% p.a. |
0% p.a. for 14 months and then 20.99% p.a. |
$129 $0 in the first year |
|
|
1 point per dollar on Visa, up to $8,000 per month, then |
20.74% p.a. |
0% p.a. for 12 months and then 20.99% p.a. |
$289 |
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. |
0% p.a. for 12 months and then 20.99% p.a. |
$289 |
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 28 months and then 20.99% p.a. |
$129 $0 in the first year |
|
|
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. |
$129 $64 in the first year |
|
|
0.66 points per dollar on Visa, up to $1,500 per month, then |
0% p.a. for 14 months then 20.74% p.a. |
0% p.a. for 14 months and then 20.99% p.a. |
$129 $0 in the first year |
|
|
1 point per dollar on Visa, up to $8,000 per month, then |
20.74% p.a. |
0% p.a. for 12 months and then 20.99% p.a. |
$289 |
Once you’ve got your credit card, setting up a Virgin Money Online account is quite simple. Just keep your mobile phone handy, go to the Virgin Money website and click on the 'First time here REGISTER' button. Follow the prompts and enter the One Time PIN, which you’ll receive in your mobile phone.
You can easily make your Virgin Money Credit Card repayments via direct debit and BPAY. If you’re not comfortable with online, you can also post a cheque or go over to the nearest Australia Post office displaying the Bank@Post™ symbol and make the payment using cash or EFTPOS.
Virgin Money Credit Cards offer up to 44 days interest free on all purchases, when you pay the full balance on your card every month. However, interest free days don’t apply to cash withdrawals, balance transfers or bank cheques. These transactions will incur interest from the date the transaction's made even if the Account is repaid in full each month.
Yes, you can withdraw cash from an ATM machine using your Virgin Money Credit Card and your ATM PIN. There is a maximum limit of withdrawing $1000 cash per day and don’t forget that the standard cash advance fees and charges may apply when withdrawing cash from your Virgin Money Credit Card Account.
The Virgin Money Customer Care Team is available round the clock to address any issues regarding a lost or stolen card. As soon as you realise that your credit card is missing, call the support staff and follow the prompts so that your old card can be blocked and a new one can be re-issued. It takes up to 7 working days for the new card to arrive in the post.
Yes, you can apply for up to four additional cardholders linked to your Virgin Money Credit Card.
All additional cardholders will get their own Virgin Money Credit Card and any transactions made using these cards will be separately itemised on your credit card statement. Do remember however, all additional cardholders must be above 16 years of age.
Yes, you can make contactless transactions with your new Virgin Money Credit Card. This means that for making purchases under $100, you won’t need you to swipe, sign or enter your PIN. All you need to do is hold your credit card to the reader for a hassle-free transaction.
At the end of your statement cycle, the number of points that you’ve earned from retail purchases are calculated using the conversion rate that is applicable to your Virgin Money Credit Card. These points are then automatically transferred into your Velocity Frequent Flyer Account within three business days after the close of the statement cycle.
Mozo users have rated Virgin Money credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
228 Reviews
By far the worst financial institution I have ever dealt with - it took over 1 year to close my account and to stop statements being sent after paying the account in full at the time of statement - they continued to charge me interest. The customer service standard is so poor, the quality of the phone lines even worse! Appalling company, I am so disgusted by virgin that I am considering cancelling my virgin gym membership.
Read full reviewBy far the worst financial institution I have ever dealt with - it took over 1 year to close my account and to stop statements being sent after paying the account in full at the time of statement - they continued to charge me interest. The customer service standard is so poor, the quality of the phone lines even worse! Appalling company, I am so disgusted by virgin that I am considering cancelling my virgin gym membership.
VirginMoney does not keep their promise and cheats on their customers. I should get 25,000 frequent flyer points for each of the first 4 months spending a minimum of $1,500 per month. For the first month they did not properly communicate when the first period started and ended so I missed out. For the last month they didn't pay out because a spend (VicRoads) was included which they deem not eligible. This was never a problem with any of the other credit card companies which have the same terms & conditions concerning government spend. The cheats of VirginMoney stole 25,000 points of me. Also the earn rate per $ spend is really poor.
Read full reviewVirginMoney does not keep their promise and cheats on their customers. I should get 25,000 frequent flyer points for each of the first 4 months spending a minimum of $1,500 per month. For the first month they did not properly communicate when the first period started and ended so I missed out. For the last month they didn't pay out because a spend (VicRoads) was included which they deem not eligible. This was never a problem with any of the other credit card companies which have the same terms & conditions concerning government spend. The cheats of VirginMoney stole 25,000 points of me. Also the earn rate per $ spend is really poor.
I stopped using the card and had like $10 owed. I thought I payed it off, but apparently I still owed like $2 because of interest, so they charged me a $30 late fee... which they also charged interest on. This was during the peak of the pandemic in Australia. I thought a $30 late fee over petty $2 during a global pandemic was a bit greedy. Resentfully I made the payment, which apparently only went to the account keeping fees, which meant I didn't pay the amount owed, so another $30 was due. I was so confused so I payed all the ridiculous fees plus the interest on their fees and the account fees and tried to close the account. But then they wouldn't let me close it because the account was in credit? Meanwhile they are charging me account keeping fees because they kept my account open. Anyway, I would have let this go... but I've just found out that the situation has totally destroyed my otherwise perfect credit score over the initial $2. BE VERY CAREFUL!
Read full reviewI stopped using the card and had like $10 owed. I thought I payed it off, but apparently I still owed like $2 because of interest, so they charged me a $30 late fee... which they also charged interest on. This was during the peak of the pandemic in Australia. I thought a $30 late fee over petty $2 during a global pandemic was a bit greedy. Resentfully I made the payment, which apparently only went to the account keeping fees, which meant I didn't pay the amount owed, so another $30 was due. I was so confused so I payed all the ridiculous fees plus the interest on their fees and the account fees and tried to close the account. But then they wouldn't let me close it because the account was in credit? Meanwhile they are charging me account keeping fees because they kept my account open. Anyway, I would have let this go... but I've just found out that the situation has totally destroyed my otherwise perfect credit score over the initial $2. BE VERY CAREFUL!
I applied for a yearly fee free card and supplied all the necessary documents showing I had income of $78,000 after tax. My credit rating is 820 and I own my own house, car and have 3 large term deposits and have no debt. I have a perfectly clear credit history i.e. never defaulted and no bankruptcy. I supplied copies of my last two tax returns, 6 months of bank statements and statements of my public service pension. I was refused a credit card and was never given any reason. I called the verification centre to understand why the refusal and they refused to give any details and from what they said it was clear they didn't understand the difference between CentreLink payments and my public service pension. It appears that their verification staff have a poor knowledge of Australian financial matters.
Read full reviewI applied for a yearly fee free card and supplied all the necessary documents showing I had income of $78,000 after tax. My credit rating is 820 and I own my own house, car and have 3 large term deposits and have no debt. I have a perfectly clear credit history i.e. never defaulted and no bankruptcy. I supplied copies of my last two tax returns, 6 months of bank statements and statements of my public service pension. I was refused a credit card and was never given any reason. I called the verification centre to understand why the refusal and they refused to give any details and from what they said it was clear they didn't understand the difference between CentreLink payments and my public service pension. It appears that their verification staff have a poor knowledge of Australian financial matters.
Excellent customer service and excellent bonus point , interest-free and shopping voucher offers.
Read full reviewExcellent customer service and excellent bonus point , interest-free and shopping voucher offers.
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.