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Virgin Money credit card reviews

Virgin Money
Virgin Money's overall rating for credit cards

(as rated by the Mozo community)

5.8 / 10

based on 203 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

balance transfer rate

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

purchase rate

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

annual fee

$129 $64 in the first year
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Recent Virgin Money credit card reviews

Virgin Money

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

Overall rating   7 / 10

Good frequent flyer programme

I like this credit card as it has Velocity Reward club points on every purchase and they have good redemption gifts and airline rewards.

Full review

I like this credit card as it has Velocity Reward club points on every purchase and they have good redemption gifts and airline rewards.

    Price   8 / 10

    Features   7 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Denise, New South Wales, reviewed about 1 year ago

Virgin Money

Virgin Money No Annual Fee Card No Annual Fee Card review

Overall rating   10 / 10

Friendly and helpful staff

I have been dealing with Virgin Money with ease and the staff have always been friendly and helpful. When things got a bit hard to meet payment, they were great at providing me with other alternatives. I highly rate their customer service.

Full review

I have been dealing with Virgin Money with ease and the staff have always been friendly and helpful. When things got a bit hard to meet payment, they were great at providing me with other alternatives. I highly rate their customer service.

    Price   10 / 10

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Kim, New South Wales, reviewed almost 3 years ago

Virgin Money

Virgin Money No Annual Fee Card No Annual Fee Card review

Overall rating   9 / 10

No Charges

    Price   10 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   4 / 10

    Trust   8 / 10

Less

Nick, Victoria, reviewed over 3 years ago

Virgin Money

Virgin Money Low Rate Card Low Rate 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

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Julie, Western Australia, reviewed over 3 years 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

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Ann marie, South Australia, reviewed over 3 years ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer Virgin Australia Velocity Flyer Card - Bonus Points Offer 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

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Julian, Victoria, reviewed over 3 years ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer 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, New South Wales, reviewed almost 4 years ago

Virgin Money

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

Overall rating   10 / 10

Fantastic customer service

Love the points system

Full review

Love the points system

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Judy, Queensland, reviewed almost 4 years ago

Virgin Money

Virgin Money No Annual Fee Card No Annual Fee 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

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Helen, Queensland, reviewed almost 4 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card Virgin Australia Velocity High Flyer Card review

Overall rating   5 / 10

Great extras

Difficult to get hold of, accents can be an issue - difficult to understand, awesome velocity points

Full review

Difficult to get hold of, accents can be an issue - difficult to understand, awesome velocity points

    Price   4 / 10

    Features   8 / 10

    Customer service   4 / 10

    Convenience   2 / 10

    Trust   3 / 10

Less

Steena, Queensland, reviewed almost 4 years ago

Virgin Money

Virgin Money No Annual Fee Card No Annual Fee Card review

Overall rating   1 / 10

Just don't.

I went overseas and faxed (yes, faxed in this day and age) a signed form requesting my wife be added as a signatory. That was over a month ago, the card still hasn't arrived. She had a car accident and needed access to the credit card , but guess...

Full review

I went overseas and faxed (yes, faxed in this day and age) a signed form requesting my wife be added as a signatory. That was over a month ago, the card still hasn't arrived. She had a car accident and needed access to the credit card , but guess what, Virgin Money failed to do their jobs causing massive stress and inconvenience. Their web banking is also right out of 1996.

    Price   4 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   2 / 10

    Trust   2 / 10

Less

Jonathan, Victoria, reviewed almost 4 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card Virgin Australia Velocity High Flyer Card review

Overall rating   8 / 10

Good reward program

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.

Full review

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.

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

David, Queensland, reviewed almost 4 years ago

Virgin Money

Virgin Money Credit Card review

Overall rating   9 / 10

Good incentives

I like the offers and the discounts on flights.

Full review

I like the offers and the discounts on flights.

    Price   6 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Angus, Queensland, reviewed almost 4 years ago

Virgin Money

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

Overall rating   8 / 10

Customer service helpful & efficient

I have used my points for several holidays.

Full review

I have used my points for several holidays.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Shani, Tasmania, reviewed about 4 years ago

Virgin Money

Virgin Money Low Rate Card Low Rate Card review

Overall rating   6 / 10

Reduce rates

Re-education rates and waiver over due accounts.

Full review

Re-education rates and waiver over due accounts.

    Price   6 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   5 / 10

    Trust   7 / 10

Less

Marylou, Queensland, reviewed about 4 years ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Credit card comparisons on Mozo - rates updated daily

  • Qantas Money Qantas Premier Everyday

    Qantas Money Qantas Premier Everyday

    • 0% purchase rate for first 9 months (19.99% afterwards)
    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
    • 0% balance transfer rate for 9 months (21.99% afterwards).

    balance transfer rate

    0% p.a. for 12 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $29 in the first year

    		 Go to site

    More info

    • 0% purchase rate for first 9 months (19.99% afterwards)
    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
    • 0% balance transfer rate for 9 months (21.99% afterwards).
    • Balance transfer rate: 0% p.a. for 12 months and then 21.99% p.a.
    • Annual fee: $49 $29 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $3.00
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Need more information?
    Go to site

    More info

  • Citi Platinum (Balance Transfer Offer)

    Citi Platinum (Balance Transfer Offer)

    • 0% per annum for 26 months on purchases and balance transfers
    • Low Annual Fee at $49 for the first year then $149 each year after.
    • Complimentary International Travel Insurance

    balance transfer rate

    0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

    purchase rate

    21.49% p.a.

    annual fee

    $199 $0 in the first year

    		 Go to site

    More info

    • 0% per annum for 26 months on purchases and balance transfers
    • Low Annual Fee at $49 for the first year then $149 each year after.
    • Complimentary International Travel Insurance
    • Balance transfer rate: 0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)
    • Annual fee: $199 $0 in the first year
    • Purchase rate: 21.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 22.24% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1250 Citi credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2018

    American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 120,000 bonus Qantas Points when you apply online, are approved and spend $4,500 on your new Card within the first 3 months.
    • Get rewarded with up to 2.25 Qantas Points per $1 spent.
    • Complimentary domestic and international travel insurance

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $450

    		 Go to site

    More info

    • Receive 120,000 bonus Qantas Points when you apply online, are approved and spend $4,500 on your new Card within the first 3 months.
    • Get rewarded with up to 2.25 Qantas Points per $1 spent.
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $450
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.6

    Based on 865 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2018

    ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 100,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black card when you spend $4,000 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply^.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $4,000 per statement period.
    • Available with Apple Pay

    balance transfer rate

    No current offer

    purchase rate

    20.24% p.a.

    annual fee

    $425

    		 Go to site

    More info

    • 100,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black card when you spend $4,000 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply^.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $4,000 per statement period.
    • Available with Apple Pay
    • Balance transfer rate: No current offer
    • Annual fee: $425
    • Purchase rate: 20.24% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 20.24% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.7

    Based on 6072 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • Qantas Money Qantas Premier Platinum

    Qantas Money Qantas Premier Platinum

    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months

    balance transfer rate

    0% p.a. for 18 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $299 $199 in the first year

    		 Go to site

    More info

    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months
    • Balance transfer rate: 0% p.a. for 18 months and then 21.99% p.a.
    • Annual fee: $299 $199 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $3.00
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Need more information?
    Go to site

    More info

**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.

Want more? Compare all 226 credit cards in the Mozo comparison engine.

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**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.

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