5.6 / 10

based on 274 reviews as rated by Mozo community

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.

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 27 November, 2020. 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

11.99% p.a.

0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee)

$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 12 months then 18.99% p.a.

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

$0

55

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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 22 months and then 20.99% p.a.

$129 $64 in the first 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 12 months and then 20.99% p.a. (1.50% balance transfer fee)

$129 $64 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

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Go to site

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 22 months and then 20.99% p.a.

$129 $64 in the first 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 12 months and then 20.99% p.a. (1.50% balance transfer fee)

$129 $64 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

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Go to site

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

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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
Overall
5.7/10
Price
Features
Customer service
Convenience
Trust

221 Reviews

Recent Virgin Money credit card reviews

Virgin Money Low Rate Card review
Overall 8/10
Virgin money is a good bank to deal with

I like virgin money because of their ease of access and great customer service.

Read full review

I like virgin money because of their ease of access and great customer service.

Price
9/10
Features
8/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Kobi, New South Wales reviewed about 2 months ago
Virgin Money No Annual Fee Card - Purchase Rate Offer review
Overall 1/10
Stay away.

Card approval process is pathetic. They call you for more information on your application at 8am in the morning for two days and if you don't respond to that, even if you are in medical emergency situation, these people will reject your application and cover up by saying "not meeting the criteria". So responding to their calls irrespective of your situation is one of their criteria. Please stay away from these guys, the customer service is arrogant and egoistic.

Read full review

Card approval process is pathetic. They call you for more information on your application at 8am in the morning for two days and if you don't respond to that, even if you are in medical emergency situation, these people will reject your application and cover up by saying "not meeting the criteria". So responding to their calls irrespective of your situation is one of their criteria. Please stay away from these guys, the customer service is arrogant and egoistic.

Price
1/10
Features
6/10
Customer service
1/10
Convenience
6/10
Trust
1/10
Less
Mahendran, Western Australia reviewed 3 months ago
Virgin Money Credit Card review
Overall 1/10
Interest charging method is disgusting!

If you don't pay your closing balance in full they still charge you for interest on the total closing balance! Not just the portion you haven't paid. They also don't factor in other credits to your account. Absolutely disgusting - moving to Qantas points for sure!

Read full review

If you don't pay your closing balance in full they still charge you for interest on the total closing balance! Not just the portion you haven't paid. They also don't factor in other credits to your account. Absolutely disgusting - moving to Qantas points for sure!

Features
3/10
Customer service
3/10
Trust
1/10
Less
Kirra, Queensland reviewed 4 months ago
Virgin Money Credit Card review
Overall 0/10
No service- Nothing

No service.

Read full review

No service.

Price
0/10
Features
0/10
Customer service
0/10
Convenience
0/10
Trust
0/10
Less
Simon, Queensland reviewed 5 months ago
Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer review
Overall 8/10
Great credit card on offer

Balance transfer is easy after approval. Virgin Frequent Flyer points per purchase a definite plus.

Read full review

Balance transfer is easy after approval. Virgin Frequent Flyer points per purchase a definite plus.

Price
8/10
Features
9/10
Customer service
9/10
Convenience
7/10
Trust
8/10
Less
James, New South Wales reviewed 5 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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