With the Virgin Australia Velocity High Flyer credit card you will get exclusive flight benefits including a $129 Virgin Gift Voucher. The card comes with a zero interest balance transfer offer for 12 months, complimentary international travel insurance, and for every dollar you spend you'll earn 1 Velocity Point. Plus, you can get 25,000 bonus points each month you spend $3,500 or more on purchases for the first 4 months.
It's even an award winner! The Velocity High Flyer Card was named a 2021 Mozo Experts Choice Credit Card Award winner in the best Velocity Frequent Flyer Premium Credit Card category by our expert judges.
The Virgin Australia Velocity High Flyer credit card has a high interest rate of 20.74% p.a. so this is not a card to accrue debt on. Pay your balance in full each month and you'll get up to 44 days interest free. There is a competitive 0% balance transfer rate for 12 months but make sure you pay off the debt in the time period otherwise you'll end up paying the high 20.74% p.a. on any remaining balance.
The $289 ongoing annual fee might seem like a lot to pay for a credit card each year but when you consider all of the top travel goodies that come with the card, you'll more than cover your costs. You'll get a $129 Virgin Gift Voucher, plus free overseas travel insurance, transit accident insurance, purchase cover and extended warranty cover. To help with all that high flying you'll be doing you also have round-the-clock access to the Visa Platinum Concierge Service.
You'll earn 1 Velocity Point per $1 spent on eligible transactions up to $8,000 per statement period (0.5 Velocity Points per $1 after). Points are uncapped so every purchase made on the card will be going towards getting you your next reward.
There's also up to 100,000 bonus points up for grabs. First, you can score 25,000 bonus points each month you spend $3,500 or more on purchases for the first 40 months (capped at 100,000 points). There's also a new chance for you to score 100 Velocity Frequent Flyer Status Credits when you spend at least $500 booking Virgin Australia flights via the main website within the first four months of being approved for the card.
If you use your Virgin Australia Velocity High Flyer overseas, you'll be charged a 3.30% foreign exchange margin on top of every purchase.
This card could be a good option for you if you're a Velocity Point seeker, but you need to be an Australian resident to be eligible for the Virgin Australia Velocity High Flyer card.
If you decide to transfer an existing balance to take up the balance transfer offer just be aware that all payments now must go to paying down the most expensive debt first. So if you make any new purchases with the credit card, any payments will go towards these first and your balance transfer second.
Fly Sydney to London return
119,600 points
Fly Sydney to Melbourne one-way
7,800 points
$100 Giftcard
19,500 points
$100 Cash
-
1 point per dollar on Visa, up to $8,000 per month, then
0.5 points per dollar on Visa, uncapped
Points are credited to the Velocity Frequent Flyer program.
All rewards are redeemed via Velocity.
Earn 25,000 points each month $3,500 or more is spent on eligible transactions for the first 4 months. Apply by 31 January 2022.
Spend $19,500 (Visa)
Spend $7,800 (Visa)
Spend $143,200 (Visa)
Uncapped
Never
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
| 20.74% p.a. | |
| none | |
| 0% p.a. for 12 months and then 20.99% p.a. | |
| yes | |
| 20.99% p.a. | |
| 44 |
| $289.00 | |
| none | |
| none | |
| none | |
| $30.00 | |
| 2.7%, Min $2.70 | |
| 3.30% | |
| $7.00 | |
| $7.00 | |
| $89.00 |
| $30.00 | |
| 2.0 | |
| 4 | |
| none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
100 Velocity Frequent Flyer Status Credits when you spend $500 or more on Virgin Australia flight books within the first 4 months of card approval.
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.
After receiving my credit card, I could download and activate the app. From there it was all downhill. No Apple Pay in Australia, the app is a complete farce, no facial recognition, inability to load payees into app - this needs to be done via their website, pin SMS verification on EVERY transaction . . . this card and platform would have been at home in the late 90's. Cancelled my cards and account without making a single transaction. Big waste of time and disappointing from a brand as established as Virgin. Stick to flying.
Read full reviewAfter receiving my credit card, I could download and activate the app. From there it was all downhill. No Apple Pay in Australia, the app is a complete farce, no facial recognition, inability to load payees into app - this needs to be done via their website, pin SMS verification on EVERY transaction . . . this card and platform would have been at home in the late 90's. Cancelled my cards and account without making a single transaction. Big waste of time and disappointing from a brand as established as Virgin. Stick to flying.
Difficult to get hold of, accents can be an issue - difficult to understand, awesome velocity points
Read full reviewDifficult to get hold of, accents can be an issue - difficult to understand, awesome velocity points
As a Velocity Frequent Flyer member, the card fits in well with the Velocity Rewards program with a higher reward structure which is good if you are a member and want to maximise your returns.
Read full reviewAs a Velocity Frequent Flyer member, the card fits in well with the Velocity Rewards program with a higher reward structure which is good if you are a member and want to maximise your returns.
Earning heaps of reward points for flights, no negatives.
Read full reviewEarning heaps of reward points for flights, no negatives.
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
Virgin Money
Low Rate Card
11.99% p.a.
0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee)
$99
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
Bendigo Rewards
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
Bendigo Rewards
$89
No current offer
1.5 points uncapped
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Velocity Frequent Flyer
$129 $64 in the first year
100,000
0.66 points up to $1,500/month, then
0.5 points uncapped
Westpac
Altitude Black
Altitude Rewards
$250 $99 in the first year
180,000
1.25 points uncapped
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
100,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 28 months and then 20.99% p.a.
20.74% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
Virgin Money
Virgin Australia Velocity High Flyer Card
0% p.a. for 12 months and then 20.99% p.a.
20.74% p.a.
$289
Velocity Frequent Flyer
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months and then 9.90% p.a.
0% p.a. for 15 months then 9.90% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Low Rate Card
11.99% p.a.
0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee)
$99
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Fee Card
19.74% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$30
HSBC
Platinum Credit Card
19.99% p.a.
0% p.a. for 36 months and then 21.99% p.a.
$129 $29 in the first year
