Flight value
$836 after fees
51,500 Velocity points, estimated value · 50,000 Velocity points · spend $3,000 in 60 days
Available
I'd like to use my bonus for:
51,500 Velocity points at 1.7¢ − $169 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 9 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?
$3,000 within 60 days — about $1,500 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?
$6,000 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?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, then 0.5 Velocity Points per $1 thereafter; points credited to your linked Velocity Frequent Flyer account
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
More detailsLess details
Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, then 0.5 Velocity Points per $1 thereafter; points credited to your linked Velocity Frequent Flyer account
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 →90 days complimentary insurance against loss, theft or accidental damage on purchases made with the Flyer Credit Card.
Check the cover period, the card-payment condition, claim limits, and excess.
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90 days complimentary insurance against loss, theft or accidental damage on purchases made with the Flyer Credit Card.
No source recorded for this benefit. - Extended Warranty Insurance Compare across cards →Extended warranty insurance for up to 12 months in addition to the covered product's Australian warranty period on eligible purchases made with the Flyer Credit Card.
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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Extended warranty insurance for up to 12 months in addition to the covered product's Australian warranty period on eligible purchases made with the Flyer Credit Card.
No source recorded for this benefit.
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Flight Discounts Compare across cards →$129 Virgin Australia Gift Voucher each year as a Virgin Australia Travel Bank credit, available after making a retail purchase in the 2 months prior to requesting the voucher.
Check eligible fares and booking channels.
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$129 Virgin Australia Gift Voucher each year as a Virgin Australia Travel Bank credit, available after making a retail purchase in the 2 months prior to requesting the voucher.
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Interest Free Periods Compare across cards →Up to 44 days interest free on retail purchases when the balance is paid in full each month, excluding cash advances and balance transfers.
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 44 days interest free on retail purchases when the balance is paid in full each month, excluding cash advances and balance transfers.
No source recorded for this benefit. - Rewards Program Elite Status Compare across cards →Earn Velocity Frequent Flyer Points on eligible everyday spend: 0.66 points per $1 up to $1,500 each statement period, 0.5 points per $1 thereafter, plus 1 extra point per $1 spent directly with Virgin Australia.
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Earn Velocity Frequent Flyer Points on eligible everyday spend: 0.66 points per $1 up to $1,500 each statement period, 0.5 points per $1 thereafter, plus 1 extra point per $1 spent directly with Virgin Australia.
No source recorded for this benefit. - Concierge Service Compare across cards →24/7 access to Visa Platinum Concierge Service for personal assistance with travel, dining, and entertainment bookings.
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24/7 access to Visa Platinum Concierge Service for personal assistance with travel, dining, and entertainment bookings.
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Card can be linked to Apple Pay, Samsung Pay and Google Pay for contactless payments
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Card can be linked to Apple Pay, Samsung Pay and Google Pay for contactless payments
No source recorded for this benefit. - Online Banking Features Compare across cards →Manage the card via the Virgin Money app: lock/unlock the card instantly, set or change PIN, track spending and transfer funds
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Manage the card via the Virgin Money app: lock/unlock the card instantly, set or change PIN, track spending and transfer funds
No source recorded for this benefit. - Installment Plans Compare across cards →Virgin Money Instalment Plan available to manage repayments on the credit card
Check applicable charges and eligibility — a repayment plan, not reward value.
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Virgin Money Instalment Plan available to manage repayments on the credit card
No source recorded for this benefit. - Balance Transfer Offers Compare across cards →Balance transfer option available on the card; specific terms not stated on this page
Check the rate, period, revert rate, and fees.
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Balance transfer option available on the card; specific terms not stated on this page
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $169 each year ($169 annual fee) — first year was $169.
Second year pays 20,000 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: 0.50x Velocity points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $169/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
25,000 points for each month you spend $1,500 or more on eligible purchases in the first 2 months from card approval. 129 Virgin Australia Gift Voucher, each year17,when you make a retail purchase in the 2 months prior to requesting the voucher.
Terms and evidence
Full current terms
Offer terms
First Year Points
50,000 points
Velocity
Second Year Points
20,000 points
With $169 annual fee
Minimum Spend
$3,000
within 60 days (about 2 months)
Cash Bonus
Ongoing Earn Rate
0.50x points per $1 spent
Fees
First Year Annual Fee
$169
Ongoing Annual Fee
$169
From year 2 onwards
Purchase Interest Rate
21.99% 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 (3 changes)
- Balance Transfer OffersUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 9 Oct 2026
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 02/09/24, Annual Fee from $0 to $742 years ago
- Expiration changed from 14/05/24 to 26/06/24, Annual Fee from $74 to $02 years ago
- Expiration changed from 04/03/24 to 14/05/24, Annual Fee from $0 to $74, Second Year Annual Fee from 129 to 149, Notes from 25,000 points for each month you spend $1,500 or more on eligible purchases in the first 4 months from card approval. $129 Virgin Australia Gift Voucher, each year, when you make a retail purchase in the 2 months prior to requesting the voucher to 30,000 points for each month you spend $1,500 or more on eligible purchases in the first 2 months from card approval. 129 Virgin Australia Gift Voucher, each year17,when you make a retail purchase in the 2 months prior to requesting the voucher.3 years ago
- Annual Fee changed from $64 to $03 years ago
- Expiration changed from 31/01/24 to 04/03/243 years ago
- Expiration changed from 31/10/23 to 31/01/243 years ago
- Bonus lowered from 100k to 60k, spend lowered from $6k to $3k3 years ago
- Offer extended to 31 July 20233 years ago
- Increased annual fee to $129. Increased min spend to $60003 years ago
- Bonus decreased from 100k to 60k4 years ago
- Offer extended to 30th April 20234 years ago
- Offer changed from 60k points, to 100k points if you spend $1.5k every month for 4 months.4 years ago
Discussion
About the current terms (published 9 Oct 2026).
Community and personal tools
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