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

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Kim (NSW), reviewed 9 months 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 1 year 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 1 year 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

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Julian (VIC), reviewed over 1 year 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

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Despina (NSW), reviewed almost 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 almost 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 almost 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 almost 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 almost 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 2 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 about 2 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 about 2 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 about 2 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 2 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 2 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 over 2 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 over 2 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 over 2 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 over 2 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 over 2 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 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

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 over 2 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 over 2 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 2 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 2 years ago

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Credit card comparisons on Mozo - rates updated daily

  • 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

    More info

  • ANZ Frequent Flyer Platinum

    ANZ Frequent Flyer Platinum

    • 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • Available with Android, Samsung and Apple Pay

    balance transfer rate

    purchase rate

    19.99% p.a.

    annual fee

    $295 $0 in the first 1 year

    Go to site

    More info

    • 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • Available with Android, Samsung and Apple Pay
    • Balance transfer rate:
    • Annual fee: $295 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 50,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent

    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

    $395

    Go to site

    More info

    • Receive 50,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $395
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer and Points Offer

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

    • 0% p.a. on balance transfers for 18 months
    • Earn 3 bonus Velocity Points on top of standard earn rates in first 3 months
    • Annual Fee refunded in the first year if you spend $1,000 per month for first 6 months.

    balance transfer rate

    0% p.a. for 18 months and then 20.99% p.a.

    purchase rate

    20.74% p.a.

    annual fee

    $129 Annual fee refunded in the first year if you spend $1,000 per month in the first 6 months.

    Go to site

    More info

    • 0% p.a. on balance transfers for 18 months
    • Earn 3 bonus Velocity Points on top of standard earn rates in first 3 months
    • Annual Fee refunded in the first year if you spend $1,000 per month for first 6 months.
    • Balance transfer rate: 0% p.a. for 18 months and then 20.99% p.a.
    • Annual fee: $129 Annual fee refunded in the first year if you spend $1,000 per month in the first 6 months.
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.7

    Based on 97 Virgin Money credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 28 February 2018. Offer ends 31 October 2017

    balance transfer rate

    purchase rate

    19.99% p.a.

    annual fee

    $425 $0 in the first 1 year

    Go to site

    More info

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 28 February 2018. Offer ends 31 October 2017
    • Balance transfer rate:
    • Annual fee: $425 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

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