Virgin Money credit cards

Virgin Money
Virgin Money's overall rating for credit cards

(as rated by the Mozo community)

5.7 / 10

based on 97 reviews

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 08 December, 2016. Other information correct at the time of writing.

What credit cards do Virgin Money offer?

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

Low rate credit cards 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

11.99% p.a.

0% p.a. for 6 months and then 21.69% p.a.

$99

44


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Low fee credit cards 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  

18.99% p.a.

0% p.a. for 18 months and then 20.99% p.a. (2.00% p.a. balance transfer fee)

$0

44

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Rewards credit cards 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 18 months and then 20.99% p.a.

$129 $64 in the first 1 year

Go to site

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 6 months and then 20.99% p.a.

$129

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

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 $10,000 per month, then
0.5 points per dollar on Visa, uncapped

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

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Prestige cards 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 $10,000 per month, then
0.5 points per dollar on Visa, uncapped

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

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Frequent flyer credit cards 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 18 months and then 20.99% p.a.

$129 $64 in the first 1 year

Go to site

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 6 months and then 20.99% p.a.

$129

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

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 $10,000 per month, then
0.5 points per dollar on Visa, uncapped

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

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Frequently Asked Questions about Virgin Money credit cards

    Q1. How can I access Virgin Money Online?

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

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

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

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

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

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

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

How are Virgin Money credit cards rated?

What do customers think of Virgin Money credit cards in terms of features, convenience and value for money? Read ratings and reviews below.

Virgin Money credit cards

Overall 5.7*

Price

Features

Customer service

Convenience

Trust

97 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Virgin Money credit card reviews Recent Virgin Money credit card reviews

Virgin Money

Virgin Money Low Rate Card credit card review

Overall rating   6 / 10

Great for velocity points

Great for Velocity points, we pay our balance every month so unsure of interest rate for the card. High annual fee.

Full review

Great for Velocity points, we pay our balance every month so unsure of interest rate for the card. High annual fee.

    Price   5 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   3 / 10

    Trust   4 / 10

Less

Julie (WA), reviewed 8 months ago

Virgin Money

Virgin Money credit card review

Overall rating   9 / 10

Good just need to speak better english.

Love it as I earn point on this card too

Full review

Love it as I earn point on this card too

    Price   7 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Ann marie (SA), reviewed 9 months ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer credit card review

Overall rating   9 / 10

Go for it!

Love the bonus points, good rates, really great bank

Full review

Love the bonus points, good rates, really great bank

    Price   6 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Julian (VIC), reviewed 9 months ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer credit card review

Overall rating   10 / 10

Free flights awesome

Virgin credit cards are fantastic get rewards while you shop or pay bills

Full review

Virgin credit cards are fantastic get rewards while you shop or pay bills

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Despina (NSW), reviewed 12 months ago

Virgin Money

Virgin Money No Annual Fee Card credit card review

Overall rating   8 / 10

Good app on iPhone

No annual fees.

Full review

No annual fees.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Helen (QLD), reviewed about 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.

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