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

Full review

Featured credit card from Virgin Money

Recent Virgin Money credit card reviews

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 8 months 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 9 months 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 9 months ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer 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 12 months 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 about 1 year 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

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Steena (QLD), reviewed about 1 year 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 about 1 year 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

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David (QLD), reviewed about 1 year 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

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Angus (QLD), reviewed about 1 year 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

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Shani (TAS), reviewed about 1 year 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 over 1 year 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

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Samantha (NSW), reviewed over 1 year 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 over 1 year 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 over 1 year 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 1 year 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 1 year 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 1 year 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 1 year ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate 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

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Clarito (QLD), reviewed over 1 year 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 1 year ago

Virgin Money

Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer 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

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Laila (QLD), reviewed over 1 year 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 1 year 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 1 year 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

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Craig (QLD), reviewed over 1 year ago

Virgin Money

Virgin Money credit card review

Overall rating   9 / 10

Solution orientated customer service team

Virgin are available and the customer service team have a win win attitude and wherever possible find a solution which I am satisfied with.

Full review

Virgin are available and the customer service team have a win win attitude and wherever possible find a solution which I am satisfied with.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Yvonne (NSW), reviewed over 1 year 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    balance transfer rate

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

    purchase rate

    14.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fee: $0
    • Purchase rate: 14.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    balance transfer rate

    purchase rate

    11.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    • Balance transfer rate:
    • Annual fee: $0
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.6

    Based on 47 ME credit card reviews

    Need more information?
    Go to site

    More info

  • Mozo's pick of the month

    Start Christmas shopping with 0% on purchases!  

    Coles No Annual Fee MasterCard

    Coles No Annual Fee MasterCard

    • 0% p.a. interest on purchases for 15 months if you apply and are approved by 31 Dec 2016
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months

    balance transfer rate

    0% p.a. for 6 months

    purchase rate

    0% p.a. for 15 months then 19.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • 0% p.a. interest on purchases for 15 months if you apply and are approved by 31 Dec 2016
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months
    • Balance transfer rate: 0% p.a. for 6 months
    • Annual fee: $0
    • Purchase rate: 0% p.a. for 15 months then 19.99% p.a.
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description: Earn 1 flybuys point for every $2 you spend.
    Overall rating

    6.8

    Based on 156 Coles credit card reviews

    Need more information?
    Go to site

    More info

  • HSBC Platinum Qantas Credit Card

    HSBC Platinum Qantas Credit Card

    • Visa payWave for convenient contactless purchases under $100
    • 60,000 bonus Qantas Points when you apply by 31st December 2016. Conditions apply
    • $0 additional cardholder fee

    balance transfer rate

    purchase rate

    19.99% p.a.

    annual fee

    $199

    Go to site

    More info

    • Visa payWave for convenient contactless purchases under $100
    • 60,000 bonus Qantas Points when you apply by 31st December 2016. Conditions apply
    • $0 additional cardholder fee
    • Balance transfer rate:
    • Annual fee: $199
    • 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 $4.00
    • Rewards description: Points are automatically accredited to the Qantas Frequent Flyer Program.
    Overall rating

    5.5

    Based on 139 HSBC credit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Zero Platinum MasterCard

    Bankwest Zero Platinum MasterCard

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • No transaction fees on overseas purchases

    balance transfer rate

    2.99% p.a. for 9 months

    purchase rate

    17.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • No transaction fees on overseas purchases
    • Balance transfer rate: 2.99% p.a. for 9 months
    • Annual fee: $0
    • Purchase rate: 17.99% 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

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