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.

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 9 days 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.

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 (WA), reviewed 9 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

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 (SA), reviewed 11 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

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 11 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

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 about 1 year ago

Virgin Money

Virgin Money No Annual Fee Card credit card review

Overall rating   8 / 10

Good app on iPhone

No annual fees.

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

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...

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.

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.

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.

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 over 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.

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...

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 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.

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

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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.

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.

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

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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.

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.

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

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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.

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.

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.

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.

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 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...

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

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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.

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.

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 almost 2 years ago

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Credit card comparisons on Mozo Rates updated daily

  • Bank of Melbourne Vertigo

    Bank of Melbourne Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% p.a. for 18 months

    purchase rate

    0% p.a. for 6 months then 13.24% p.a.

    annual fee

    $55 $0 in the first year for existing Bank of Melbourne customers

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases
    • Balance transfer rate: 0% p.a. for 18 months
    • Annual fee: $55 $0 in the first year for existing Bank of Melbourne customers
    • Purchase rate: 0% p.a. for 6 months then 13.24% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.8

    Based on 69 Bank of Melbourne credit card reviews

    Need more information?
    Go to site

    More info

  • NAB Premium Card - Online Only Offer

    NAB Premium Card - Online Only Offer

    • 7 complimentary insurances including Overseas Travel Insurance
    • 0%p.a. on balance transfers for 24 months (one off 3% BT fee)
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 24 months and then 21.74% p.a. (3.00% balance transfer fee)

    purchase rate

    19.74% p.a.

    annual fee

    $90

    Go to site

    More info

    • 7 complimentary insurances including Overseas Travel Insurance
    • 0%p.a. on balance transfers for 24 months (one off 3% BT fee)
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 24 months and then 21.74% p.a. (3.00% balance transfer fee)
    • Annual fee: $90
    • Purchase rate: 19.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

    Need more information?
    Go to site

    More info

  • 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% 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% 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

  • Westpac Low Rate - Exclusive Offer

    Westpac Low Rate - Exclusive Offer

    • 0% p.a on balance transfers for the first 24 months
    • Variable purchase rate of 13.49%p.a
    • Bank on-the-go with Westpac Mobile Banking

    balance transfer rate

    0% p.a. for 24 months (2.00% balance transfer fee)

    purchase rate

    13.49% p.a.

    annual fee

    $59

    Go to site

    More info

    • 0% p.a on balance transfers for the first 24 months
    • Variable purchase rate of 13.49%p.a
    • Bank on-the-go with Westpac Mobile Banking
    • Balance transfer rate: 0% p.a. for 24 months (2.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 13.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description:
    Overall rating

    7.2

    Based on 1431 Westpac credit card reviews

    Need more information?
    Go to site

    More info

  • St.George Amplify Signature (Rewards)

    St.George Amplify Signature (Rewards)

    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 18 months
    • 30,000 bonus points when you spend $2,500 within the first 90 days

    balance transfer rate

    0% p.a. for 18 months

    purchase rate

    0% p.a. for 6 months then 19.49% p.a.

    annual fee

    $279 $0 in the first year for existing St.George customers

    Go to site

    More info

    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 18 months
    • 30,000 bonus points when you spend $2,500 within the first 90 days
    • Balance transfer rate: 0% p.a. for 18 months
    • Annual fee: $279 $0 in the first year for existing St.George customers
    • Purchase rate: 0% p.a. for 6 months then 19.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 20.24% p.a.
    • 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

    7.0

    Based on 330 St.George credit card reviews

    Need more information?
    Go to site

    More info

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