Virgin Money credit card reviews

Virgin Money
Virgin Money's overall rating for credit cards

(as rated by the Mozo community)

5.7 / 10

based on 97 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Virgin Money

Recent Virgin Money credit card reviews

Virgin Money

Virgin Money No Annual Fee Card credit 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Kim (NSW), reviewed over 1 year ago

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 over 2 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

Less

Ann marie (SA), reviewed over 2 years 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 over 2 years ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer and Points 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 over 2 years 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 over 2 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card credit 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 (QLD), reviewed over 2 years ago

Virgin Money

Virgin Money No Annual Fee Card credit 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 (VIC), reviewed over 2 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card credit 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 (QLD), reviewed over 2 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 (QLD), reviewed almost 3 years ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer credit card 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 (TAS), reviewed almost 3 years ago

Virgin Money

Virgin Money Low Rate Card credit 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 (QLD), reviewed almost 3 years ago

Virgin Money

Virgin Money credit card review

Overall rating   0 / 10

Absolute rubbish

Application involved 10 phone calls asking the same questions. There is no continuity as far as their records. I got sick of dealing with their overseas call centre. I withdrew my application. Still no application result after 17 days. I applied...

Full review

Application involved 10 phone calls asking the same questions. There is no continuity as far as their records. I got sick of dealing with their overseas call centre. I withdrew my application. Still no application result after 17 days. I applied through a bank. Approved same day!

    Price   5 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Samantha (NSW), reviewed almost 3 years ago

Virgin Money

Virgin Money No Annual Fee Card credit card review

Overall rating   8 / 10

Happy with product

No fee card suits my needs. Plenty of other ways to collect points, so don't need the bells and whistles.

Full review

No fee card suits my needs. Plenty of other ways to collect points, so don't need the bells and whistles.

    Price   9 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Sally (NSW), reviewed about 3 years ago

Virgin Money

Virgin Money Low Rate Card credit card review

Overall rating   1 / 10

Terrible

Over the top credit department with a different story every time. No systems to deal with customers and unfortunately not in Australia.

Full review

Over the top credit department with a different story every time. No systems to deal with customers and unfortunately not in Australia.

    Price   4 / 10

    Features   4 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Greg (SA), reviewed about 3 years ago

Virgin Money

Virgin Money No Annual Fee Card credit card review

Overall rating   10 / 10

Great customer service

I moved from NZ to Australia last september, ANZ would not give me a credit card even though I've got an ANZ gold card in NZ. Virgin came to the party, and couldn't have been more helpful.

Full review

I moved from NZ to Australia last september, ANZ would not give me a credit card even though I've got an ANZ gold card in NZ. Virgin came to the party, and couldn't have been more helpful.

    Price   -1 / 10

    Features   -1 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Glenda (QLD), reviewed about 3 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card credit card review

Overall rating   9 / 10

Great rewards points

Earning heaps of reward points for flights, no negatives.

Full review

Earning heaps of reward points for flights, no negatives.

    Price   7 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Tim (WA), reviewed about 3 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card credit card review

Overall rating   7 / 10

Great card...never had any problems

Able to use c/c for more than just credit purchases.

Full review

Able to use c/c for more than just credit purchases.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Pat (VIC), reviewed about 3 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card credit card review

Overall rating   9 / 10

Great product.

Great incentive to earn free points to fly to destinations more regularly.

Full review

Great incentive to earn free points to fly to destinations more regularly.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   8 / 10

Less

Elizabeth (NSW), reviewed about 3 years ago

Virgin Money

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

Overall rating   1 / 10

Poor customer service

High interest rates.

Full review

High interest rates.

    Price   2 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   1 / 10

Less

Clarito (QLD), reviewed about 3 years ago

Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card credit card review

Overall rating   9 / 10

Always have great personalised customer service

Loyalty rewards are a plus.

Full review

Loyalty rewards are a plus.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Linda (QLD), reviewed about 3 years ago

Virgin Money

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

Overall rating   10 / 10

So happy

I have a Virgin Australia Velocity Flyer Card and it is great. I am mainly writing this review to commend Virgin Money on its staff. They are SO easy to deal with, SO friendly and know exactly what they are doing.

Full review

I have a Virgin Australia Velocity Flyer Card and it is great. I am mainly writing this review to commend Virgin Money on its staff. They are SO easy to deal with, SO friendly and know exactly what they are doing.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Laila (QLD), reviewed about 3 years ago

Virgin Money

Virgin Money credit card review

Overall rating   1 / 10

Terrible - will never use again!!

Terrible customer service - always getting someone overseas that can hardly speak English. Do not read applications properly before asking for extra information. Can decline your application without an explanation. Not helpful when ringing their...

Full review

Terrible customer service - always getting someone overseas that can hardly speak English. Do not read applications properly before asking for extra information. Can decline your application without an explanation. Not helpful when ringing their phone number for help.

    Price   5 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   2 / 10

    Trust   0 / 10

Less

Libby (QLD), reviewed about 3 years ago

Virgin Money

Virgin Money No Annual Fee Card credit card review

Overall rating   3 / 10

Wouldn't have another Virgin money card

50 dollars over credit limit and they phone, unbelievable.

Full review

50 dollars over credit limit and they phone, unbelievable.

    Price   4 / 10

    Features   5 / 10

    Customer service   2 / 10

    Convenience   4 / 10

    Trust   1 / 10

Less

Scott (QLD), reviewed over 3 years ago

Virgin Money

Virgin Money credit card review

Overall rating   9 / 10

Good rewards quickly and low rate

I have recently moved from one of the big 4 banks to Virgin money credit card, I have travelled overseas and everything went well, the reward for having a Virgin card is a lot quicker at getting rewards like free flights.

Full review

I have recently moved from one of the big 4 banks to Virgin money credit card, I have travelled overseas and everything went well, the reward for having a Virgin card is a lot quicker at getting rewards like free flights.

    Price   10 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Craig (QLD), reviewed over 3 years ago

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Credit card comparisons on Mozo - rates updated daily

  • Citi Platinum (Bonus Points Offer)

    Citi Platinum (Bonus Points Offer)

    • Get your life moving with 0% p.a. for 24 months on balance transfers (1.5% BT fee applies)
    • A reduced annual fee of $49 in the first year ($149 thereafter)
    • 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.99% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • Get your life moving with 0% p.a. for 24 months on balance transfers (1.5% BT fee applies)
    • A reduced annual fee of $49 in the first year ($149 thereafter)
    • 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 20.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% 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

    5.7

    Based on 379 Citi credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • 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 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • 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

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first year

    Go to site

    More info

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 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%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    5.8

    Based on 82 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Suncorp Clear Options Platinum (Suncorp Rewards)

    Suncorp Clear Options Platinum (Suncorp Rewards)

    • 0% p.a. for 18 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)

    balance transfer rate

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

    purchase rate

    20.74% p.a.

    annual fee

    $129

    Go to site

    More info

    • 0% p.a. for 18 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 18 months and then 21.99% p.a.
    • Annual fee: $129
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3.50%, min $3.50
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.0

    Based on 138 Suncorp credit card reviews

    Need more information?
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  • Bankwest Breeze Platinum Mastercard

    Bankwest Breeze Platinum Mastercard

    • 0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases

    balance transfer rate

    0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 12.99% p.a.

    annual fee

    $99

    Go to site

    More info

    • 0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases
    • Balance transfer rate: 0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $99
    • Purchase rate: 0% p.a. for 13 months then 12.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 218 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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