5.6/10

Based on 402 Virgin Money product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Virgin Money credit cards

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. It also took several 2023 Mozo Experts Choice Awards.

What credit cards do Virgin Money offer?

Take a look at the different kinds of Virgin Money Credit Cards that you can pick from:

Rates and fees verified as correct at 25 May 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

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

12.99% p.a.

0% p.a. for 15 months and then 21.69% p.a.

$99

55

Low fee credit cards

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 6 months then 19.99% p.a.

No current offer

$0

55

Rewards credit cards

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
0.5 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 24 months and then 20.99% p.a.

$149 $0 in the first year

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$149 $74 in the first year

1 point per dollar on Visa, up to $8,000 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$289

Prestige cards

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
0.5 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$289

Frequent flyer credit cards

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
0.5 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 24 months and then 20.99% p.a.

$149 $0 in the first year

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$149 $74 in the first year

1 point per dollar on Visa, up to $8,000 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$289

Frequently Asked Questions about Virgin Money credit cards

Q1. How can I access Virgin Money Online?

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.  

Q2. How do I make Virgin Money Credit Card repayments?

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.

Q3. Will I be eligible for an interest free period with a Virgin Money Credit Card?

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.

Q4. Can I use a Virgin Money Credit Card to withdraw cash from an ATM?

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.

Q5. What happens if my Virgin Money Credit Card is lost or stolen?

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.

Q6. Can I get an additional card for my Virgin Money Credit Card account?

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.

Q7. Can I make contactless payments using a Virgin Money Credit Card?

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.

Q8. How will my Velocity Points be transferred to my Velocity Frequent Flyer Account?

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.


How are Virgin Money credit cards rated?

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.

Icon of credit-cards
Virgin Money credit cards customer reviews
Overall
5.5/10
Price
5.9/10
Features
6.1/10
Customer service
5.2/10
Convenience
5.3/10
Trust
5.4/10
Based on 236 Virgin Money product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Virgin Money credit card reviews

Virgin Money Credit Card
Overall 1/10
The worst credit card I have ever had. The app is

The worst credit card I have ever had. The app is rubbish you can't even see your transactions. Constantly receiving Fraud charges! Useless overseas. I purchased a new Apple iPhone this year and I have been constantly charged fraudulently by Apple every month since July. Cancelled my Virgin Credit Card and changed my Apple password so many times.... how can they keep getting this so wrong? Now here we are in November and still, charges appear from Apple on the 2nd of November, I could see it because I couldn't access the transactions (statement) until the 20th of November. This card and bank is so outdated and bad!! It's also useless when travelling, I was in Thailand at the start of the year and you can't even look at your statement to pay the amount due. It is not recognised anywhere. Pack your stuff and get out Virgin you are useless!

Read full review

The worst credit card I have ever had. The app is rubbish you can't even see your transactions. Constantly receiving Fraud charges! Useless overseas. I purchased a new Apple iPhone this year and I have been constantly charged fraudulently by Apple every month since July. Cancelled my Virgin Credit Card and changed my Apple password so many times.... how can they keep getting this so wrong? Now here we are in November and still, charges appear from Apple on the 2nd of November, I could see it because I couldn't access the transactions (statement) until the 20th of November. This card and bank is so outdated and bad!! It's also useless when travelling, I was in Thailand at the start of the year and you can't even look at your statement to pay the amount due. It is not recognised anywhere. Pack your stuff and get out Virgin you are useless!

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Katrina, Victoria, reviewed about 2 months ago
Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer
Overall 1/10
Inconvenient and not flexible

It takes 3 days for my transfer to show up in my credit card. I cannot have payments come out when I need to as the money I transferred is in limbo. I have never had this happen before with any other card.

Read full review

It takes 3 days for my transfer to show up in my credit card. I cannot have payments come out when I need to as the money I transferred is in limbo. I have never had this happen before with any other card.

Customer service
1/10
Convenience
1/10
Trust
3/10
Less
Ivan, New South Wales, reviewed 7 months ago
Virgin Money Credit Card
Overall 1/10
Don t do it, just don't do it.

Don t do it, just don't do it. We have been asked 6 times to send and re send h extra details through as they had not received it. When we checked they confirmed they had all the information. 10 days later we were contacted to say they were still waiting on our information. A true definition of incompetent.

Read full review

Don t do it, just don't do it. We have been asked 6 times to send and re send h extra details through as they had not received it. When we checked they confirmed they had all the information. 10 days later we were contacted to say they were still waiting on our information. A true definition of incompetent.

Price
6/10
Features
6/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Stuart, Queensland, reviewed 9 months ago
Virgin Money Low Rate Card
Overall 1/10
False information provided then no help given

I applied for this card after checking that a balance transfer is possible due to my current card having a unique transfer requirement. I was told it was, after being approved for a $18k card, I was told it was not. So now I am saddled with a card I can't use for the primary reason I needed one. There has been no follow up, no assistance, and no response to a complaint I submitted. I 1000% regret even applying, and never would have if they didn't provide incorrect information, which I cannot help but feel I was told just to get me to open a card with them.

Read full review

I applied for this card after checking that a balance transfer is possible due to my current card having a unique transfer requirement. I was told it was, after being approved for a $18k card, I was told it was not. So now I am saddled with a card I can't use for the primary reason I needed one. There has been no follow up, no assistance, and no response to a complaint I submitted. I 1000% regret even applying, and never would have if they didn't provide incorrect information, which I cannot help but feel I was told just to get me to open a card with them.

Customer service
1/10
Trust
1/10
Less
Belinda, Victoria, reviewed 10 months ago
Virgin Money Credit Card
Overall 1/10
Lies about card offers. Avoid.

Took out a card with a bonus points offer. Points were not credited after eligible time. Customer service had no idea what offer this was despite this being on the website consistently for past 6 months. The agent advised it needed to be investigated and they would contact me within 5 days. 10 days later and no contact. When I followed up, they said the card I applied for had no offer, despite the exact same offer is shown on the website with the exact same card design that I have. They offered to close my account and made no attempt to resolve. Rubbish.

Read full review

Took out a card with a bonus points offer. Points were not credited after eligible time. Customer service had no idea what offer this was despite this being on the website consistently for past 6 months. The agent advised it needed to be investigated and they would contact me within 5 days. 10 days later and no contact. When I followed up, they said the card I applied for had no offer, despite the exact same offer is shown on the website with the exact same card design that I have. They offered to close my account and made no attempt to resolve. Rubbish.

Customer service
1/10
Convenience
2/10
Trust
1/10
Less
L aura, Australian Capital Territory, reviewed 11 months ago

What do you need to apply for a Virgin Money credit card?

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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