Flight value
$1,241 after fees
76,250 Velocity points, estimated value · 70,000 Velocity points · spend $5,000 in 90 days
Available
I'd like to use my bonus for:
76,250 Velocity points at 1.7¢ − $440 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 3 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$5,000 within 90 days — about $1,667 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$3,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
Recorded end date: October 13, 2026.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn Velocity Points on Card spend (2.25 per $1 within Virgin Australia, 1.25 per $1 on Card purchases except Australian government bodies, 0.5 per $1 at Australian government bodies) with uncapped points earning
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Earn Velocity Points on Card spend (2.25 per $1 within Virgin Australia, 1.25 per $1 on Card purchases except Australian government bodies, 0.5 per $1 at Australian government bodies) with uncapped points earning
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Card Purchase Cover for eligible stolen or damaged items purchased with the Card; Card Refund Cover for recent unused purchases when a store refuses a return
Check the cover period, the card-payment condition, claim limits, and excess.
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Card Purchase Cover for eligible stolen or damaged items purchased with the Card; Card Refund Cover for recent unused purchases when a store refuses a return
No source recorded for this benefit.
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Travel Credits Compare across cards →Complimentary annual Virgin Australia return economy domestic flight between selected cities after first Card spend each anniversary year.
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Complimentary annual Virgin Australia return economy domestic flight between selected cities after first Card spend each anniversary year.
No source recorded for this benefit. - Lounge Access Compare across cards →Virgin Australia Lounge
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Virgin Australia Lounge access at select domestic airports every time you fly Virgin Australia domestically; enrolment in the VA Lounge Access benefit required, plus 2 complimentary Virgin Australia Guest Lounge Passes each Membership year
No source recorded for this benefit. - Flight Discounts Compare across cards →Complimentary annual Virgin Australia return economy domestic flight between selected cities each anniversary year
Check eligible fares and booking channels.
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Complimentary annual Virgin Australia return economy domestic flight between selected cities each anniversary year
No source recorded for this benefit. - Travel Insurance Compare across cards →Complimentary domestic and international travel insurance for the cardholder, partner and dependent children when the return trip is paid for on the Card; covers medical emergency expenses, public transport accident up to $400,000, trip cancellation/amendment up to $12,500,…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary domestic and international travel insurance for the cardholder, partner and dependent children when the return trip is paid for on the Card; covers medical emergency expenses, public transport accident up to $400,000, trip cancellation/amendment up to $12,500, baggage/money/documents up to $10,000, travel inconvenience and COVID-19 cover; sub-limits, terms and exclusions apply
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Status Credits Compare across cards →Up to 100 bonus Velocity Status Credits per Membership year: 50 when you spend $25,000 on eligible purchases and a further 50 when you spend another $25,000 in the same Membership year
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Up to 100 bonus Velocity Status Credits per Membership year: 50 when you spend $25,000 on eligible purchases and a further 50 when you spend another $25,000 in the same Membership year
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Up to 4 Additional Cards for family members or friends at no extra fee; all points earned credited to your Account
Check account liability and age or redemption restrictions.
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Up to 4 Additional Cards for family members or friends at no extra fee; all points earned credited to your Account
No source recorded for this benefit. - Installment Plans Compare across cards →Plan It lets you pay off eligible transactions over $100 or a portion of your balance in equal monthly instalments over 3, 6 or 12 month terms with no interest and a fixed monthly fee
Check applicable charges and eligibility — a repayment plan, not reward value.
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Plan It lets you pay off eligible transactions over $100 or a portion of your balance in equal monthly instalments over 3, 6 or 12 month terms with no interest and a fixed monthly fee
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 55 interest-free days on purchases
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 55 interest-free days on purchases
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Compatible with Apple Pay, Samsung Pay and Google Pay
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Compatible with Apple Pay, Samsung Pay and Google Pay
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $440 each year ($440 annual fee) — first year was $440.
Second year pays 30,000 Velocity points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 1.25x Velocity points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $440/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Enjoy a complimentary annual Virgin Australia return economy domestic flight between selected cities after your first Card spend each anniversary year. Receive 100 Velocity Frequent Flyer Status Credits when you spend at least $50,000 on eligible purchases in your Card Membership year.
Terms and evidence
Full current terms
Offer terms
First Year Points
70,000 points
Velocity
Second Year Points
30,000 points
With $440 annual fee
Minimum Spend
$5,000
within 90 days (about 3 months)
Cash Bonus
Offer Expires
October 13, 2026
in 2 hours
Ongoing Earn Rate
1.25x points per $1 spent
Fees
First Year Annual Fee
$440
Ongoing Annual Fee
$440
From year 2 onwards
Purchase Interest Rate
23.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (7 changes)
- No Additional Cardholder FeeUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Installment PlansUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Travel InsuranceUpdated May 2026
- Status CreditsUpdated May 2026
- Lounge AccessUpdated May 2026
Now Virgin Australia Lounge.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 3 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 11
No recorded term changes from the previous version.
Changes from terms version 9
Changes from terms version 8
No recorded term changes from the previous version.
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 26/06/24 to no expiration2 years ago
- Expiration changed from 15/05/24 to 26/06/24, Bonus from 100K to 60K, Second Year Bonus from NaN to 0, Notes from Includes Complimentary Virgin Australia return Economy domestic flight between selected cities each year after your first Card spend each anniversary year to Enjoy a complimentary annual Virgin Australia return economy domestic flight between selected cities after your first Card spend each anniversary year. Receive 100 Velocity Frequent Flyer Status Credits when you spend at least $50,000 on eligible purchases in your Card Membership year.2 years ago
- Expiration changed from no expiration to 15/05/24, Bonus from 60K to 100K3 years ago
- Bonus lowered from 75k to 60k3 years ago
- Bonus increased from "60000" to "75000"3 years ago
- Lowered bonus points to 60,0003 years ago
Discussion
About the current terms (published 3 Oct 2026).
Community and personal tools
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