Virgin Australia Velocity Flyer Credit Card (0% for 14 months on purchases and half annual fee in the first year - $64, reverts to $129)

Purchase Rate

20.74 %
p.a.
Cash Advance Rate
20.99% p.a.
Interest Free
Up to 44 days
Annual Fee
$129.00
Balance Transfer Rate
0% p.a.
for first 6 months
Intro Purchase Rate
0 % p.a.
for up to 14 months
  • SAVE ON INTEREST – 0% p.a. for up to 14 months on purchases.
  • Half annual fee in the first year - $64, reverts to $129
  • 0% p.a. for 6 months on balance transfers (reverts to cash advance rate)
  • $129 Virgin Australia gift voucher each year.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Velocity Frequent Flyer Points: Up to 0.66 Points per $1 spent.
  • Receive a $129 Virgin Australia Gift Voucher each year (spend criteria and T&Cs apply).
Rewards Points per Dollar 0.66 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* - Frequent Flyer Ratio 0.66
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* $22,400.00
Lifetime of Points  
Rewards Program Partners Velocity Frequent Flyer, Virgin Australia
Rewards Bonus Points Partners Velocity Frequent Flyer
Domestic Airlines
International Airlines
Conditions

Visit the issuer's website for additional information.

Terms & Conditions
Fees, charges, and credit criteria apply. See our full terms and conditions here. All interest rates shown are variable. This information is correct at 1 April 2019. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria. All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money. Please note that to read our PDF forms you will need to have Adobe Reader installed on your computer. Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (‘Virgin Money’) Credit Representative number 369377 promotes and distributes the Virgin Money Credit Cards (‘Credit Cards’) as an authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740 (‘BOQ’), Australian credit licence 244616. Citigroup Pty Ltd ABN 88 004 325 080 (‘Citibank’) AFSL/Australian credit licence 238098 is the credit provider and issuer of the Credit Cards. BOQ does not and will not guarantee or otherwise support Citibank’s obligations under the contracts or agreements connected with the Credit Cards. International Travel Insurance, Extended Warranty Insurance, Purchase Cover, Transit Accident Insurance, Guaranteed Pricing Scheme are subject to eligibility requirements. Terms, conditions, limits and exclusions apply. 1. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, from the date the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 1 April 2019. This offer is valid until 30 April 2019. Please note that unless advertised otherwise, you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable ongoing purchase rate. Velocity Points are not issued on balance transfers. 2. 0% p.a. on purchases for new Virgin Australia Velocity Flyer Credit Card customers only for the period shown above from the date your account is approved. At the end of the promotional period any outstanding purchase balance in addition to new purchases after that date will attract the ongoing purchase rate for retail purchases, currently 20.74% p.a. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. Interest rates are variable and subject to change. The interest rates are current as at 1 April 2019. This offer is valid until 30 April 2019. 3. The example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. The promotional period is the period of the balance transfer offer shown. The rate, balance, interest and potential savings calculations in the table above are examples only. The estimate savings amount is based on a $7,000 balance transfer at an interest rate of 20% p.a. when compared to the balance transfer offer shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate. 6. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of 74 High Street, Toowong QLD 4066 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Extended warranty insurance does not affect the rights of cardholders against a manufacturer in relation to contravention of statutory or implied warranties under Australian legislation. Citi does not guarantee this insurance. 7. 10% cash back is available for new approved Virgin Money Low Rate credit card customers who apply by 30 April 2019 and spend on Eligible Transactions for the first 3 months of card approval date. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). The cash back is capped at a total of $100 and will be credited to the primary card holder’s account up to 10 weeks after the end of the 3 month qualifying period. The cash back credit will be applied once per account and does not contribute to your monthly minimum repayment. This offer is subject to change without notice at the discretion of Virgin Money, is non-transferrable and can’t be used in conjunction with any other promotions or offers. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. 8. Unless advertised otherwise, the 44 days interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance. 9. Withdrawal limits, fees and charges may apply. 10. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. 11. Additional cardholder fees may apply unless otherwise specified under the promotion. Primary cardholders are responsible for additional cardholder transactions and payments. 12. Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. For more details, terms and conditions see www.visa.com.au. 14. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details. 15. A valid Visa Platinum card must be used to make a purchase. Offers are subject to terms and conditions of the participating merchants providing the offers. Participating merchants are solely responsible for offer redemption and fulfilment, Visa does not provide any of the goods and services relating to the offers, nor make any representations or warranties in respect of the offers or such goods and services. Visa may modify or remove any of the merchants and/or their offers at any time without prior notice. Information about the offers is correct at the time of publication. You may wish to check with the participating merchant immediately before utilising an offer. 17. The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher, your account is active and in good order and you are a Velocity Frequent Flyer Member. Gift Voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of Use for full details. 18. Ongoing $50 Annual Fee for life of the product offer is available for new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April. This offer is subject to change at the discretion of Virgin Money, is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades). 19. 20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April 2019. 20,000 bonus Velocity Points will be awarded when $3,000 or more is spent on Eligible Transactions within the first 3 months from card approval. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). 22. 90,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 April 2019. 30,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 3 months from card approval. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page or by calling 1300 771 634 and indicating that you would like the High Flyer Card 90,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can\'t be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). 27. 60,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April 2019. 20,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on Eligible Transactions for 3 months from card approval. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page or by calling 1300 771 634 and indicating that you would like the Flyer Card 60,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points, there must be an active Velocity Frequent Flyer Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other Virgin Flyer Card promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). 33. The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Virgin Australia Lounge Pass Benefit Terms & Conditions for full details.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

Virgin Australia Velocity Flyer Credit Card (0% for 14 months on purchases and half annual fee in the first year - $64, reverts to $129)

Purchase Rate 20.74 % p.a.
Cash Advance Rate 20.99% p.a.
Interest Free Up to 44 days
Annual Fee $129.00
Balance Transfer Rate 0 % p.a. for first 6 months
Intro Purchase Rate 0 % p.a. for up to 14 months

Top Features

  • SAVE ON INTEREST – 0% p.a. for up to 14 months on purchases.
  • Half annual fee in the first year - $64, reverts to $129
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Rewards Points per Dollar 0.66
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio 0.66
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* $22,400.00
Lifetime of Points  
Rewards Program Partners Velocity Frequent Flyer, Virgin Australia
Rewards Bonus Points Partners Velocity Frequent Flyer
Domestic Airlines
International Airlines
Conditions
Annual Fee $129.00
Minimum Repayment Greater of 2% or $30.00
Annual Fee First Year $64.00
Interest Charged From StatementDate
Rewards Joining Fee -
Late Payment Fee $10.00
Supplementary Card Fee $39.00
Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $40.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions

Fees, charges, and credit criteria apply. See our full terms and conditions here. All interest rates shown are variable. This information is correct at 1 April 2019. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria. All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money. Please note that to read our PDF forms you will need to have Adobe Reader installed on your computer. Virgin Money (Australia) Pty Limited ABN 75 103 478 897 (‘Virgin Money’) Credit Representative number 369377 promotes and distributes the Virgin Money Credit Cards (‘Credit Cards’) as an authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740 (‘BOQ’), Australian credit licence 244616. Citigroup Pty Ltd ABN 88 004 325 080 (‘Citibank’) AFSL/Australian credit licence 238098 is the credit provider and issuer of the Credit Cards. BOQ does not and will not guarantee or otherwise support Citibank’s obligations under the contracts or agreements connected with the Credit Cards. International Travel Insurance, Extended Warranty Insurance, Purchase Cover, Transit Accident Insurance, Guaranteed Pricing Scheme are subject to eligibility requirements. Terms, conditions, limits and exclusions apply. 1. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, from the date the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 1 April 2019. This offer is valid until 30 April 2019. Please note that unless advertised otherwise, you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable ongoing purchase rate. Velocity Points are not issued on balance transfers. 2. 0% p.a. on purchases for new Virgin Australia Velocity Flyer Credit Card customers only for the period shown above from the date your account is approved. At the end of the promotional period any outstanding purchase balance in addition to new purchases after that date will attract the ongoing purchase rate for retail purchases, currently 20.74% p.a. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. Interest rates are variable and subject to change. The interest rates are current as at 1 April 2019. This offer is valid until 30 April 2019. 3. The example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. The promotional period is the period of the balance transfer offer shown. The rate, balance, interest and potential savings calculations in the table above are examples only. The estimate savings amount is based on a $7,000 balance transfer at an interest rate of 20% p.a. when compared to the balance transfer offer shown. Your personal circumstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate. 6. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of 74 High Street, Toowong QLD 4066 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Extended warranty insurance does not affect the rights of cardholders against a manufacturer in relation to contravention of statutory or implied warranties under Australian legislation. Citi does not guarantee this insurance. 7. 10% cash back is available for new approved Virgin Money Low Rate credit card customers who apply by 30 April 2019 and spend on Eligible Transactions for the first 3 months of card approval date. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). The cash back is capped at a total of $100 and will be credited to the primary card holder’s account up to 10 weeks after the end of the 3 month qualifying period. The cash back credit will be applied once per account and does not contribute to your monthly minimum repayment. This offer is subject to change without notice at the discretion of Virgin Money, is non-transferrable and can’t be used in conjunction with any other promotions or offers. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. 8. Unless advertised otherwise, the 44 days interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance. 9. Withdrawal limits, fees and charges may apply. 10. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. 11. Additional cardholder fees may apply unless otherwise specified under the promotion. Primary cardholders are responsible for additional cardholder transactions and payments. 12. Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. For more details, terms and conditions see www.visa.com.au. 14. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details. 15. A valid Visa Platinum card must be used to make a purchase. Offers are subject to terms and conditions of the participating merchants providing the offers. Participating merchants are solely responsible for offer redemption and fulfilment, Visa does not provide any of the goods and services relating to the offers, nor make any representations or warranties in respect of the offers or such goods and services. Visa may modify or remove any of the merchants and/or their offers at any time without prior notice. Information about the offers is correct at the time of publication. You may wish to check with the participating merchant immediately before utilising an offer. 17. The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher, your account is active and in good order and you are a Velocity Frequent Flyer Member. Gift Voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of Use for full details. 18. Ongoing $50 Annual Fee for life of the product offer is available for new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April. This offer is subject to change at the discretion of Virgin Money, is not redeemable for cash, is non transferrable and can’t be used in conjunction with other Virgin Australia Velocity Flyer Card promotions or offers. Offer is not available to existing Virgin Credit Card holders (including upgrades). 19. 20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April 2019. 20,000 bonus Velocity Points will be awarded when $3,000 or more is spent on Eligible Transactions within the first 3 months from card approval. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). 22. 90,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 April 2019. 30,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 3 months from card approval. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page or by calling 1300 771 634 and indicating that you would like the High Flyer Card 90,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can\'t be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). 27. 60,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 30 April 2019. 20,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on Eligible Transactions for 3 months from card approval. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Rewards Program for High Flyer and Flyer Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page or by calling 1300 771 634 and indicating that you would like the Flyer Card 60,000 Velocity Points offer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points, there must be an active Velocity Frequent Flyer Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other Virgin Flyer Card promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades). 33. The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Virgin Australia Lounge Pass Benefit Terms & Conditions for full details.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.