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Velocity Flyer Credit Card

Every day spending that earns you an escape.

Apply now

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Applications for new Virgin Money Credit Cards will be temporarily unavailable between 30 September 2026 (11:30pm) and 1 October 2026 (9am).

Flyer Credit Card Offers

Compare our Velocity Points and balance transfer credit card offers to find the right option for you.

Offer 1

Earn up to 70,000 bonus Velocity Points and 50 Status Credits16 with a Virgin Australia Velocity Flyer Card

25,000 bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 2 months from approval.
50 Status credits will be awarded to your Velocity account within 30 days from 50,000 bonus points being received.
Plus receive 20,000 Velocity Points when you keep your card open for over 12 months.
0% p.a. for 12 months Balance Transfer with a 3% fee.1 Reverts to cash advance rate.
Apply now
Offer 2

Pay no interest on your Balance Transfers for up to 24 months

0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies.1 Reverts to the cash advance rate.
Apply now

Offers available to new and approved customers only.

We can’t process balance transfers from certain issuers – see our indicative list.18 Learn More about balance transfers here.

Perks

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Maximise your Velocity Points

Earn 0.5 Velocity Points per $1 spent on Eligible Transactions up to $1,500 per statement period, then 0.25 Points per $1 spent thereafter.10
Learn more about earning Velocity Points

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Fly more, earn more

Earn 1 extra Velocity Point for every $1 spent directly with Virgin Australia using your Flyer Credit Card.41
Plus as a Velocity Points earning cardholder, you can earn 5 Points per $1 spent on eligible Virgin Australia flights.61
Learn more about flight benefits

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Exclusive $129 Virgin Australia Gift Voucher

You can redeem this perk every year when you make a retail purchase in the 2 months prior to requesting the voucher.17

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Complimentary Insurances

Enjoy purchase protection, extended warranty and mobile phone insurance.62

Velocity Flyer Credit Card lowdown

A breakdown of our Flyer Credit Card’s perks, rates, fees and limits.

Please see the rates and fees page, and forms and important information page for full details

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Rates, fees & limits
Annual fee	$169. Annual fees are subject to change.
Interest-free period	Up to 44 days on retail purchases8.
Purchase rate	21.99% p.a.
Cash advance rate	21.99% p.a.
Minimum credit limit	$6,000
Points
Velocity Points earn rate	Earn 0.5 Velocity Points per $1 spent on Eligible Transactions up to $1,500 per statement period, then 0.25 Points per $1 spent thereafter.10
Accelerated Velocity Points	Earn 1 extra Velocity Points for every eligible $1 spent directly with Virgin Australia using your Flyer Credit Card.41 Plus as a Velocity Points earning cardholder, you can earn 5 Points per $1 spent on eligible Virgin Australia flights.61
Velocity Partners & Offers	Velocity has an extensive network of global program partners and offers.
Travel benefits
Virgin Australia gift voucher	$129 Virgin Australia Gift Voucher each year17 (when you make a retail purchase in the 2 months prior to requesting the voucher). Available to Primary Cardholders only.
Complimentary Insurances6
Extended Warranty Insurance	[Image]
Purchase Protection Insurance	[Image]
Mobile Phone Insurance62	[Image]
Security
Visa’s Zero Liability policy12	[Image]
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You must pay your Closing Balance or Interest Free Days Payment in full by the Payment Due Date shown on your statement to be eligible for interest free period on retail purchases.

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Manage your card anytime, anywhere

Track spending, redeem rewards, and manage payments easily through the Virgin Money app. Enjoy seamless banking with powerful features designed for your financial needs. That’s more like it.

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Set up & stay on top of your spending

Download the app from the App Store or Google Play, enter your mobile phone number and follow the prompts.

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Stay in control with smart card management

Lock and unlock your card instantly, set or change your PIN, and manage spending within the app.

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Tap, pay & go with digital wallets

Link your Virgin Money credit card to Apple Pay,36 Samsung Pay,37 or Google Pay40 for fast, secure, and contactless payments.

Frequently asked questions

View all FAQs

How are my Velocity Points earned and transferred into my Velocity Frequent Flyer Account?

At the end of your statement cycle, the number of Points earned from eligible purchases are calculated using the conversion rate that’s applicable to your Virgin Money credit card. The Points earned will be automatically transferred into your Velocity Frequent Flyer Account within 15 business days after the close of the statement cycle.

What can Velocity Points be redeemed for?

You can redeem your Velocity Points for all kinds of rad things. Here are just a couple:

Domestic and international flights with Virgin Australia, Virgin Samoa, Etihad Airways, Virgin Atlantic, Virgin America, Delta and more.

A range of great hotels, car rentals and products including gift cards and vouchers.

Head to velocityfrequentflyer.com to see the full range of what's on offer or give the Velocity Team a call on 13 18 75. Membership Enquiries 0800 - 2000 AEDT Monday to Friday Flight Redemptions 0730 - 2230 AEDT 7 days a week

Do Velocity Points expire?

Your Velocity Points will be transferred to your Velocity Frequent Flyer Account after each statement cycle. Once your Points are in your Velocity Frequent Flyer Account they will not expire as long as you’re an active Velocity Member, that is, a Member who earns or redeems Velocity Points within a two-year period. For full details, see the Velocity Frequent Flyer terms and conditions at velocityfrequentflyer.com.

How do frequent flyer credit cards work?

Frequent flyer credit cards, such as the Velocity High Flyer Credit Card or Velocity Flyer Credit Card, are designed to help you earn points or air miles with a specific airline or frequent flyer program. These credit cards work by offering you points for every eligible purchase you make. The number of points you earn can vary depending on the card and the type of transaction. Once you've accumulated a sufficient number of Velocity points on your credit card, you can redeem them for various rewards, including flights, upgrades, and other travel-related perks. It's a great way to make your everyday spending work for you in terms of travel benefits.

Is Velocity Frequent Flyer membership required?

Yep, you’ll need to be a Velocity Frequent Flyer Member so that we can send you the Velocity Points that you earn with your credit card.

You’ll need to give us your Velocity Frequent Flyer membership number either on your application form when applying for your Virgin Money credit card, or by calling us on 13 37 39.

If you're not currently a Velocity Member you can arrange this when you apply for your card, or head to velocityfrequentflyer.com where you can join for free online. If you choose not to join Velocity Frequent Flyer, you’ll be ineligible for any offers or benefits relating to Virgin Australia or the Velocity Frequent Flyer Program.

Our top travel tips for your next adventure

Whether you're a frequent flyer or taking to the skies for the first time, we've got some tips for your next trip.

Our 7 day itinerary for Vietnam

Need getaway inspiration? See our itinerary for Vietnam in 7 days for the perfect getaway.
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Discover our top picks of where you can go with just your Aussie passport.
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See how you can crunch the numbers for your next trip to see how much your next getaway will be.
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Didn’t find what you were looking for? Go to our help and support page to find out more.

Contact Us

Need help? Our team is here for you. Find answers, manage your application, or update your details with ease.

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Call Us

If you need help along the way give our Customer Care team a call. They're available 8am to 8pm Monday–Friday, 9am to 5pm Saturday (AEST) and closed National Public Holidays.
13 37 39

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Complaints

We want every experience with us to be a great one. If something’s not right, lodge a complaint online and we’ll work to fix it ASAP.
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Financial difficulty assistance

If you are worried you won't be able to manage your upcoming repayments – we are here to help.
Find out more

Important Information

Information, including interest rates, fees and charges and rewards rates are subject to change.

Fees, charges, and credit criteria apply. See our full terms and conditions here. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

All interest rates shown are variable. This information is correct at 24 November 2025. You must be at least 18 years of age, be a permanent resident and earn a regular income to apply for a credit 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, a division of Bank of Queensland Limited ABN 32 009 656 740,Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Virgin Money Credit Cards ("Credit Cards"). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. In relation to credit cards, “our”, “us”, “we”, and/or “The Virgin Money Credit Cards Team” means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

Click to Pay is auto enabled by NAB on Virgin Money Credit Cards.
Enrolment is subject to eligibility criteria set by NAB and the relevant card scheme. You are not required to register or enrol yourself. For more information, please refer to Click to Pay Terms and Conditions

To obtain a copy of the Target Market Determination (TMD) related to this product.

Things you need to know

1
Offer commenced 1 October 2026. 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, and the balance transfer fee (if applicable). At the end of the Balance Transfer Period the balance will revert to the applicable variable cash advance rate. Neither Velocity Points nor Virgin Money Points are issued on Balance Transfers. If a Balance Transfer Fee applies the fee will be debited from your account on the day or the day after your Balance Transfer is processed. View more information about Balance Transfers.
6
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Virgin Money credit cards. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet. Neither NAB nor any of its related corporations guarantee this insurance.
8
An interest free period applies to Retail Purchases if you pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or an Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. No interest free period is available on Cash Advances or Balance Transfers.
10
For the Velocity High Flyer Credit Card, earn 0.75 Velocity point per $1 spent on Eligible Transactions up to $5,000 each statement period, 0.25 Velocity Points per $1 thereafter. For the Velocity Flyer Credit Card, earn 0.5 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.25 Velocity Points per $1 thereafter. For Velocity Points to be credited to your Velocity Account, you must hold a Velocity Account according to the Velocity Membership Terms and Conditions and have provided your Velocity Membership Account details to us. See the Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.
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 and terms and conditions click here.
16
'Offer commenced 1 October 2026. Up to 70,000 Bonus Velocity Points offer is available to new and approved Virgin Australia Velocity Flyer Card account holders.
25,000 Bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 60 days from approval. The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 2 months after the qualifying purchases.
An additional 20,000 Velocity Points will be credited within 3 months of your anniversary when you keep your card open for over 12 months, provided it has been activated by you.
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 Terms and Conditions apply. 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). Velocity membership, Status Credits earn and Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. We may vary or end this offer at any time. To be eligible for 50 Status Credits, you must meet the spend criteria to receive 50,000 bonus Velocity Points. 50 Status Credits will be credited to your Velocity Frequent Flyer account within 30 days of receiving the 50,000 bonus Velocity Points.
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, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher after card approval in your first year and 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 online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing 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
Balance Transfer involves transferring the balance(s) of your other credit cards or loans to a Virgin Money Credit Card. The balances transferred will receive a promotional interest rate for a set period of time and can be a great way to save on interest charges.
Once your balance(s) have been transferred, you might consider closing the other credit facilities you transferred balances from, as this would not happen automatically
When considering a Balance Transfer promotion, it’s easy to focus on the low, or zero, interest rate being offered however don’t forget to consider the other features of the card and any applicable terms and conditions of the promotion.
Most credit cards or loans from other financial institutions are eligible to have balances transferred to a Virgin Money Credit Card, provided that the card details match the BPAY reference number details of the financial institution. Where those details do not match, we are unable to process a balance transfer.
We are aware of some financial institutions where card number and BPAY reference number do not match and which as a result are not eligible for a Balance Transfer, including:
- Bendigo Bank
- ING
- Latitude Finance
- Great Southern Bank
- Heritage Bank
- HUMM
- Adelaide Bank
- credit unions
- AMEX cards
  Please note, that this is an indicative list only and may change from time-to-time.
  Balance transfers are not available for Buy Now Pay Later, line of credit, or personal loan products.
36
For a list of compatible Apple Pay devices, see support.apple.com/en-us/102896
37
Samsung Pay is only compatible with selected Samsung devices. For full list of compatible devices, please visit www.samsung.com/au/apps/samsungpay/
40
Google, Android, Google Pay and Google Wallet are trademarks of Google LLC. Google Pay is available on compatible Android mobile devices.
41
Earn an additional 1 Velocity Point for a Velocity Flyer Credit Card or 2 Velocity Points for a Velocity High Flyer Credit Card per $1 spent on eligible Virgin Australia Purchases. For Velocity Points to be credited to your Velocity Account, you must hold a Velocity Account according to the Velocity Membership Terms and Conditions and have provided your Velocity Membership Account details to us. See the Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.
61
From 2 April 2025, Velocity members may earn Velocity Points for eligible Virgin Australia domestic and international short haul flights (including Virgin Australia marketed and operated flights, flights operated by Link Airways and Alliance Airlines for Virgin Australia, Virgin Australia marketed and Link Airways operated flights, and Virgin Australia marketed and Air New Zealand operated flights) at the following rates: (i) 4 Base Points per $1 spent, and (ii) 5 Base Points per $1 spent if you are an eligible Velocity Points earning credit cardholder. For bookings made before 2 April 2025, Velocity members may earn 5 Base Points per $1 spent for eligible Virgin Australia domestic and international short haul flights (including Virgin Australia marketed and operated flights, flights operated by Link Airways and Alliance Airlines for Virgin Australia, Virgin Australia marketed and Link Airways operated flights, and Virgin Australia marketed and Air New Zealand operated flights).
The ‘Base Points’ refers to the minimum number of Points that can be earned by a Red member when flying with Virgin Australia.Tier Bonus Points refers to the additional number of Points (beyond the Base Points) that can be earned by a Silver, Gold, Forever Gold, Platinum or Platinum Plus member when flying on all fare types excluding Lite with Virgin Australia.
62
Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of Virgin Money Credit Cards. This Cover is available to Eligible Cardholders (“you/your”) while you remain an Eligible Cardholder, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions” as amended from time to time. When eligible, you have the benefit of cover as a third partybeneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and Virgin Money are not the issuer or insurer of the Cover. Neither NAB, Virgin Money nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.
63
Whether or not a purchase is eligible to earn Virgin Money Points will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a “major restaurant”. See Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions for full details and definitions.

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Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.

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Find the the terms and conditions that apply to our Virgin Money Go, Grow and Boost Accounts.

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Find the the terms and conditions that apply to our credit cards.

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Find the terms and conditions that apply to our Reward Me Home Loan and Companion Account.

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Find forms and key information about Virgin Money Super.

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Find important documents to understand Virgin Home and Contents Insurance.

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Find important documents to understand our Income Protection Insurance product.

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Virgin Money Voucher Terms of Use

Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card Gift Voucher Terms of Use

Information regardingImportant information

Please note: For Vouchers issued prior to 08 July 2020, clauses 1 to 23 of these Terms of Use apply. For Vouchers issued on and from 08 July 2020, clauses 24 to 29 of these Terms of Use apply.

Vouchers issued prior to 08 July 2020

These Terms of Use apply to complimentary gift vouchers issued to the primary cardholders of the Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card prior to 08 July 2020 (Voucher).
By requesting, redeeming, or attempting to redeem a Voucher, you accept and agree to be bound by these Terms of Use and they will become a contract between you and Virgin Australia. You acknowledge you have read and understood the Virgin Australia Privacy Policy.
Vouchers will be issued with a value of $129 Australian Dollars (AUD) only.
Vouchers can only be redeemed in Australian Dollars.
The Voucher can be used on any flight with a “VA” flight number booked via the Virgin Australia Website or Guest Contact Centre. The Voucher cannot be used to book:
- flights where insurance has been selected as part of the booking; or
- flights that include Velocity Frequent Flyer Points as a method of payment, including Reward Seat, Any Seat or Any Seat, Any Airline bookings.
The Voucher can only be used towards future bookings and cannot be applied to past bookings.
You must provide the Voucher Number at the time of booking or when contacting us about your Voucher.
You are responsible for keeping your Voucher and Voucher Number secure and confidential. Any person quoting the Voucher Number can use the Voucher. We are not liable for any loss you may suffer as a result of disclosing your Voucher Number.
The Voucher is valid for bookings made within 6 months from the date of issue unless otherwise stated on the Voucher. The Voucher will expire at midnight on the expiry date stated on the front of the Voucher and cannot be extended.
You must make a booking using your Voucher on or before the expiry date. The booking can be for travel dates after the expiry date.
If there is any credit remaining after redemption of the Voucher, it can be used towards future flight purchases until the credit balance reaches zero. Any balance that remains on the Voucher after the expiry date is not available for use.
Additional values cannot be added to existing Vouchers. Only one Voucher can be used per flight booking. Any outstanding difference between the Voucher and the amount of the booking must be paid at the time of booking with a valid credit card for which a card payment fee will apply.
Vouchers can be redeemed for flights on the Virgin Australia Website or by calling our Guest Contact Centre on 13 67 89 from within Australia, 0800 67 0000 from within New Zealand, 1855 253 8021 from within the United States of America, and +61 7 3295 2296 from anywhere else in the world. A Guest Contact Centre fee will apply, unless the online redemption facility is unavailable.
Bookings that have been paid for using Vouchers cannot be changed or cancelled online. You will need to contact our Guest Contact Centre.
Travel on Virgin Australia flights is subject to Virgin Australia’s Conditions of Carriage, which are subject to change. Your booking is subject to the Fare Rules applicable to your fare.
You can check your Voucher balance at any time on the Virgin Australia Website.
Lost, damaged, stolen, or altered Vouchers may not be accepted or replaced.
Vouchers are non-refundable, unless you are entitled to a refund of the amount you paid for the Voucher under the Australian Consumer Law. Vouchers cannot be exchanged for cash and cannot be reloaded.
To the extent permitted by law, we reserve the right to amend these Terms of Use at any time. Changes to the Terms of Use will be available on this website.
These Terms of Use are to be construed and enforced in accordance with the laws of Queensland, Australia. Any dispute arising from your receipt or use of the Voucher is exclusively subject to the jurisdiction of the courts of Queensland, Australia.

Vouchers issued on and from 08 July 2020

The use of complimentary gift vouchers issued to primary cardholders of the Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card on and from 08 July 2020 (Voucher) is governed by:
- These Terms of Use; and
- The Virgin Australia Travel Bank Terms and Conditions, as amended by clause 29 of these Terms of Use.
You acknowledge you have read and understood the Virgin Australia Privacy Policy.
Vouchers will be issued with a value of $129 Australian Dollars (AUD) only.
Vouchers can only be redeemed in Australian Dollars.
Vouchers will be provided in the form of a credit into a Velocity member’s Travel Bank account.
The Virgin Australia Travel Bank Terms and Conditions are amended as follows:

Clause 4.1 a) is deleted and replaced with the following: a) Flights operated by Virgin Australia;

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In the spirit of reconciliation, Virgin Australia acknowledges the Traditional Custodians of Country throughout Australia and their connections to land, sea, sky and community. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

Source: https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf

Page 1 of 7 Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions AIG Australia Limited of Level 19, 2 Park Street, Sydney, NSW 2000 (the “Insurer”) has issued a group policy (the “Group Policy”) to the Policyholder which is subject to the terms and conditions contained herein. I. Preamble and Disclosures This document contains important information about the Group Policy, which are available to Eligible Cardholders (“You/Your”). Cover applies to claims made on or after 1 October 2026. Eligible Cardholders are not covered for claims made for losses occurring after termination of or the expiry of the period of the Group Policy. The Policyholder will provide Eligible Cardholders with details of any replacement cover. There is no obligation to accept any of these benefits. However, if You wish to claim any of these benefits, You will be bound by the Group Policy and the terms, conditions and exclusions relevant to the cover provided. The benefits of the Group Policy is provided to Eligible Cardholders who hold an Eligible Card. National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) is the Policyholder. NAB is the credit provider and Issuer of the Eligible Cards. Virgin Money (Australia) Pty Ltd ABN 75 103 478 897 (‘Virgin Money’) promotes and distributes the Eligible Cards under an agreement with NAB. Neither NAB nor Virgin Money is the issuer (insurer) of the Insurance Coverage and neither they nor any of their related corporations guarantee any of the benefits under the Group Policy. The covers described in this document are provided for Your benefit under a Group Policy entered into between the Insurer and the Policyholder. The Policyholder is the policy owner. When eligible, You have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The cover is provided at no additional cost to You and neither NAB nor Virgin Money receive any commission or remuneration from the Insurer in relation to this cover. The Policyholder does not hold anything on trust for, or for the benefit of, or on behalf of, You in relation to this Insurance Coverage. The terms and conditions of cover found in this document only provides factual information in relation to the Insurance Coverage. The information the Insurer provides is not intended to and does not provide or imply any recommendation or opinion about such insurance. So as to make sure that the cover meets Your needs and is suitable for You and Your personal circumstances, these terms and conditions must be reviewed by You and, if necessary, You should also seek independent financial advice in relation to same. None of NAB, Virgin Money or their related corporations are Authorised Representatives (under the Corporations Act 2001) of the Insurer. The Policyholder does not act on behalf of the Insurer or on Your behalf in relation to the Group Policy. If the Group Policy is terminated, any claim made for losses arising prior to such date of termination will be covered by and subject to the terms of the Group Policy. The Policyholder will give You prior written notice if the Group Policy ends. You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at: AIG Australia Limited Level 19, 2 Park Street Sydney, NSW 2000 Australia Apac.partners@AIG.com Code of Practice The Insurer is a signatory to the General Insurance Code of Practice (“Code”). The Code sets out the minimum standards of service that can be expected from the insurance industry and requires insurers to be open, fair and honest in their dealings with customers. The Insurer is committed to adhering to the objectives of the Code and to uphold these minimum standards when providing services covered by this Code. The Code objectives will be followed having regards to the law and acknowledging that a contract of insurance is a contract based on the utmost good faith. For more information on the Code please visit codeofpractice.com.au. Complaints and Feedback Learning about Your experiences with Us and Our service partners helps to improve the way We do business with You. If You have feedback, or an issue You would like resolved We encourage You to make contact. Below is information on how to contact Us and how We will work together to resolve any concerns You have.

Page 2 of 7 How to provide feedback

Speak to Our Complaints team Our Complaints team can be contacted on 1800 339 669. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.
Provide Your feedback in writing If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to: The Complaints Team AIG Australia Limited Level 13, 717 Bourke Street Docklands VIC 3008 Email: aucomplaints@aig.com What happens if You make a complaint? If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties. We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.
Acknowledge Your complaint within one (1) business day or as soon as practicable;
We will tell You who will handle Your complaint and their contact details;
We will, where applicable, keep You informed via Your preferred method of communication of the progress of Your complaint every ten (10) business days, more frequently or necessary or as agreed by both of Us;
We will treat Your complaint respectfully and handle all personal information in accordance with Our Privacy Policy; and
Within 30 calendar days from the date We receive Your complaint, We will provide a response to Your complaint. If We cannot meet any of the stated time frames, We will communicate to You the reasons why this has not been possible. We will also advise You when You should expect to receive a response or decision. What You can do if You are not happy with Our response or handling of Your complaint If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”). The Committee is comprised of Senior Management of the company who has the experience and authority to decide on matters brought to the Committee. If You wish to have Your complaint reviewed by the Committee, please telephone or write to the Complaints team as per the details above. As part of Your request, please include detailed reasons for requesting the review and the outcome You are seeking. This information will assist the Committee in carrying out its assessment and review of Your complaint. A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You. If We are unable to provide a response within 30 calendar days of receipt of the initial complaint, We will inform You of (i) the time frame for when Your complaint will be heard by the Committee; (ii) when You should expect to receive a response from the Committee; (iii) the reasons for such delay; (iv) Your right to complain to AFCA if You are dissatisfied with such reasons; and (v) the contact details for AFCA. Your right to complain to the Australian Financial Complaints Authority (AFCA) You can take Your complaint to AFCA at any time, including:
if We have been unable to resolve Your complaint within 30 calendar days;
You are dissatisfied with the outcome of Your complaint; or
You are dissatisfied with the findings of the Committee. AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which AIG is obliged to comply. Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process. AFCA’s contact details are: Australian Financial Complaints Authority (AFCA) GPO Box 3 Melbourne VIC 3001 Website: afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) The use of AFCA does not preclude You from subsequently exercising any legal rights which You may have if You are still unhappy with the outcome. Before doing so however, We strongly recommend that You obtain independent legal advice. If Your complaint does not fall within AFCA’s Rules, We will advise You to seek independent legal advice or give You information about any other external dispute resolution options where available to You. Privacy Notice This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:
You, if an individual; and
other individuals You provide information about. Further information about Our Privacy Policy is available at aig.com.au or by contacting Us on 1300 030 886 or at australia.privacy. manager@aig.com.

Page 3 of 7 How We Collect Your Personal Information AIG usually collects personal information from You or Your agents. Under the Group Policy, AIG will only collect Your personal information during a claim submission. AIG may also collect personal information from:

its agents and service providers;
other insurers;
the Policyholder to assist to administer the Virgin Money Credit Card;
people who are involved in a claim or assist AIG in investigating or processing claims, including third parties claiming under the Group Policy, witnesses and medical practitioners;
third parties who may be arranging insurance cover for a group that You are a part of;
providers of marketing lists and industry databases; and
publicly available sources. Why We Collect Your Personal Information AIG collects information necessary to:
underwrite and administer Your insurance cover;
improve customer service and products and carry out research and analysis, including data analytics; and
advise You of its and other products and services that may interest You. Failure to disclose information required may result in AIG declining cover, cancelling Your insurance cover or reducing the level of cover, or declining claims. To Whom We Disclose Your Personal Information In the course of underwriting and administering the Group Policy, AIG may disclose Your information to:
Your or its agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of the Group Policy;
banks and financial institutions for policy payments;
the Policyholder to assist to administer the Virgin Money Credit Card;
Your or its agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;
entities to which AIG is related and third-party providers for data analytics functions;
other entities to enable them to offer their products or services to You; and
government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law. AIG is likely to disclose information to some of these entities located overseas, including in the following countries: United States of America, Canada, Bermuda, United Kingdom, Ireland, Belgium, The Netherlands, Germany, France, Singapore, Malaysia, the Philippines, India, Hong Kong, New Zealand as Well as any country in which You have a claim and such other countries as may be notified in Our Privacy Policy from time to time. You may request not to receive direct marketing communications from AIG. Access to Your Personal Information Our Privacy Policy contains information about how You may access and seek correction of personal information AIG hold about You. In summary, You may gain access to Your personal information by submitting a written request to AIG. In some circumstances permitted under the Privacy Act 1988, AIG may not permit access to Your personal information. Circumstances where access may be denied include where it would have an unreasonable impact on the privacy of other individuals, or where it would be unlawful. Complaints Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how AIG will deal with such a complaint. Consent If applicable, Your application includes a consent that You and any other individuals You provide information about consent to the collection, use and disclosure of personal information as set out in this notice. II. Summary of Cover Subject to the terms contained in this document and the Group Policy, the Insurer agrees to provide the following coverage to the Eligible Cardholders: Insurance Coverage Benefit Amount(AUD) Mobile Phone Protection Per Occurrence Limit: Up to $1,000 Annual Aggregate Limit: Up to $1,650 Excess: $50 Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD). Claim Amount and Excess We will pay (if applicable) up to the Per Occurrence Limit per Eligible Cardholder for each claim as stated in the Summary of Cover table above. For any consecutive twelve-month period within the Group Policy Period, the maximum amount We will pay per Eligible Cardholder for all claims during such

Page 4 of 7 consecutive twelve-month period is the Annual Aggregate Limit set out in the table above. The applicable Excess is also set out in the table above. Under the Group Policy, the Insurer agrees to provide coverage to Eligible Cardholders of the Policyholder as set out in the Group Policy and this document and based on information offered by the Policyholder. III. Definitions Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter: Accidental Damage means the Mobile Phone no longer performing the function it was intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event. AFSL means an Australian Financial Services Licence. Annual Aggregate Limit means the maximum amount of benefit per Eligible Cardholder under the Mobile Phone Protection Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss. Cardholder(s) means all individuals who have been issued an Eligible Card, including secondary or additional Cardholders on the same account, in Australia where such Eligible Card is issued by a participating Issuer. Eligible Card means a participating Issuer’s Virgin Australia Velocity High Flyer Card and Virgin Australia Velocity Flyer Card which have been issued to Eligible Cardholders. Eligible Cardholders/You/Your means those Cardholders with Eligible Cards who shall be entitled to receive payment or such other benefit as is provided for in the Summary of Cover and the Group Policy. Excess means a monetary contribution You are required to pay towards a claim You make. Group Policy means the contract of insurance between the Insurer and the Policyholder. Group Policy Period means the period beginning from 1 October 2026 and until the Group Policy is terminated. Insurer/We/Us/Our/AIG means AIG Australia Limited. Issuer means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) an entity that is authorised by Visa to operate a card program in the Territory and is participating in the insurance offering to Eligible Cardholders under the Group Policy. Lost means You have accidentally misplaced Your Mobile Phone and it is unrecoverable. Mobile Phone means a telephone device associated with the Eligible Cardholder’s Postpaid plan, that use radio waves over a networked area (cells) and is served through cell sites or base stations at a fixed location, enabling calls to transmit wirelessly over a given range. For the avoidance of doubt, smart watch or tablet is not considered as a Mobile Phone. NAB means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Natural Catastrophe means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami. Per Occurrence Limit means the maximum amount of benefit available under the Summary of Cover for any single incident per Eligible Cardholder during the Group Policy Period. Policyholder means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Postpaid means a mobile telephone subscription where the Eligible Cardholder enters into a contract with a mobile provider with a monthly billing arrangement. Territory means the country or region in which Eligible Cards are issued, in this case, Australia. Theft means the unlawful intentional and dishonest taking of the Mobile Phone belonging to the Eligible Cardholder without their consent, with intent to permanently deprive him/her of such Mobile Phone. IV. Coverage The Insurer (“We/Our/Us”) will pay for loss due to Accidental Damage or Theft up to the Per Occurrence Limit and subject to the Annual Aggregate Limit and Excess per Eligible Cardholder as set out in the Summary of Cover above, if the mobile provider’s monthly Postpaid billing statement for the billing cycle preceding the month in which the Accidental Damage or Theft occurred is paid in full using the Eligible Card. Effective Period of Coverage Coverage begins on the first day of the calendar month following the payment of Your Postpaid monthly mobile telephone bill. Coverage will be valid until the last day of the calendar month following the payment of Your Postpaid monthly mobile telephone bill. Valuation Acting reasonably, We will decide whether to have the Mobile Phone repaired or replaced. We will be liable only for the lesser of the following amounts:

the cost to repair or replace the Mobile Phone after the Excess has first been applied to the cost to repair or replace the Mobile Phone;
the Per Occurrence Limit; or
the remaining amount of the Annual Aggregate Limit.

Page 5 of 7 Eligible Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. The Insurer will notify the Eligible Cardholder if they need to send in the Mobile Phone for such evaluation. Scope of Insurance Coverage Our maximum liability for this coverage will not exceed the Annual Aggregate Limit per Eligible Card per twelve-month period, subject to the terms, conditions, exclusions, and limits of liability of the Group Policy and this document as well as the Excess stated in the Summary of Cover above. Coverage is excess of any other applicable insurance or indemnity the Eligible Cardholder may have. Individual Termination Date An Eligible Cardholder’s coverage under this agreement shall terminate on the earliest of:

the date the Eligible Cardholder no longer qualifies as an Eligible Cardholder;
the date the Eligible Card is determined to be ineligible by the Issuer;
the date the Issuer ceases to participate in the Group Policy; or
the date the Group Policy is terminated. Coverage shall be provided under this section for the Mobile Phone Theft or Accidental Damage during the Effective Period of Coverage as determined above. Coverage will terminate on the applicable individual termination date specified in the paragraph above. If the coverage is terminated, any claim arising prior to such date of termination will, subject to the terms of the Group Policy and these terms and conditions, be eligible for coverage by the Insurer. Coverage shall not be provided for any Theft or Accidental Damage after the individual termination date as determined above. Suspension of Coverage Coverage will be suspended on the first day of the following calendar month following the month during which an Eligible Cardholder fails to make a mobile telephone Postpaid bill payment using the Eligible Card while coverage is in effect in the previous month. Resumption of Coverage If coverage is suspended in accordance with the above, coverage will resume after a 15-day waiting period following the date of any future mobile telephone Postpaid bill payment using an Eligible Card. For example, an Eligible Cardholder paid their Postpaid monthly mobile telephone bill on 15 June using their Eligible Card. The insurance coverage starts automatically from 1 July until 31 July. If then the Eligible Cardholder does not pay their Postpaid monthly mobile telephone bill in the month of July, there will be no insurance coverage in August. Should the Eligible Cardholder then pay their Postpaid monthly mobile telephone bill in full on 5 August using their Eligible Card, the insurance coverage will then resume on 20 August. V. Exclusions No coverage will be provided for any of the following:
Mobile Phone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
Mobile Phones that are Lost.
Any loss that does not occur within the Group Policy Period.
Losses caused by the process of cleaning, servicing, maintaining, adjusting, or You repairing the Mobile Phone.
Mobile Phone purchased for resale or for professional or commercial use.
Mobile Phones under the care and control of a common carrier, including, but not limited to, the postal service, airplanes or delivery service.
Mobile Phones stolen from baggage unless hand-carried and under the Eligible Cardholder’s supervision or under the supervision of the Eligible Cardholder’s travelling companion who is previously known to the Eligible Cardholder.
Accidental Damage or Theft resulting from Your abuse, omission or negligence or the abuse, omission or negligence of anyone acting on Your behalf, including but not limited to leaving Your Mobile Phone unattended in any place or motor vehicle where it is, or was, plainly visible.
Cosmetic damage such as a dent or scratch to the Mobile Phone or Accidental Damage that does not impact the Mobile Phone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 5cm in length that does not prevent the ability to make or receive phone calls or to use other operations and functions of the Mobile Phone).
Accidental Damage or Mobile Phone Theft resulting from abuse, intentional acts, fraud, risks of contraband, illegal activities, normal wear and tear, Natural Catastrophe, radioactive contamination, or damage from inherent product defects or vermin.
Losses resulting from a failure of Mobile Phone due to a defect in materials and/or workmanship and/or design, including but not limited to inherent product defects, software, or data failure.
Accidental Damage or Theft resulting from mis- delivery or theft by fraud or deceit.
Replacement Mobile Phone purchased from other than a mobile provider’s authorised retail or internet store.

Page 6 of 7 14. Taxes, delivery or transportation charges or any fees associated with the service provided. 15. Losses resulting from information or data loss, sent from, or received, on a Mobile Phone following Accidental Damage or Theft. 16. Loss resulting from hostilities of any kind including, but not limited to war, civil war, invasion, insurrection, revolution, use of or threatened use of military power or usurpation of government or military power. 17. Loss resulting from any terrorist act, or the intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act. 18. Losses due to, or related to, a nuclear, biological or chemical event(s). or 19. Losses due to the order of any government, public authority, or customs official. VI. Duties After a Loss You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under these coverages, You must contact Us as soon as reasonably practicable after the discovery of such loss. To file a claim, You may log on to ba.mycardbenefits.com or send a notification to Us to obtain a claim form and instructions on what to do after a loss. Our contact details are set out below: AIG Australia Limited Level 19, 2 Park Street Sydney NSW 2000 Australia Tel: +613 9522 4111 Customer Service Timing: 8:30am to 5:30pm, Monday to Friday Email: Apac.partners@AIG.com The Eligible Cardholder must as soon as reasonably practicable:

complete, sign and return the claim form to Us* together with: a. the Eligible Cardholder’s card statement reflecting the monthly Postpaid mobile telephone payment for the month preceding the date the Mobile Phone was subject to Theft or Accidental Damage; b. a copy of the Eligible Cardholder’s current mobile provider’s billing statement; c. if available, a copy of the original Mobile Phone purchase receipt or other sufficient proof of the Mobile Phone model currently linked to the Eligible Cardholder’s mobile telephone account; d. if there is existing insurance from the mobile operator, a copy of the insurance claim to the Eligible Cardholder’s mobile telephone insurance, or in the event that the claim amount is less than the Eligible Cardholder’s deductible, a copy of the policy’s declarations page; e. for Accidental Damage claims, a copy of the repair memo, repair estimate and/or service report from an authorised repairer and photographs of the Accidental Damage may be requested; f. for Theft claims, an official copies of the police report as soon as reasonably practicable; and g. any other relevant documents We may reasonably ask You to provide. *Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery. VII. Limits of Liability Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II – Summary of Cover. Annual Aggregate: The total of all benefits paid or payable while the Group Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II – Summary of Cover. VIII. General Obligations following a Loss In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:
take all reasonably practicable measures to prevent and avoid further loss or damage;
complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of Your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;
disclose to Us details of any other insurance cover under which You are entitled to claim;
upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;
where reasonably necessary, grant authorisation for Us to obtain Your records and other information, such as credit reports (if applicable);
provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;
reasonably co-operate with Us in investigating, evaluating and settling a claim; and
if the loss involved theft report of the theft to the police as soon as reasonably practicable. IX. General Conditions A. Disputes Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under the Group Policy, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales. B. Governing Law The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales. C. Loss Prevention You must use all reasonable means to avoid future loss at and after the time of loss. D. Sanctions We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America or the Commonwealth of Australia. E. Transfer The Policyholder or You may not transfer its interest in this insurance to anyone. F. Cancellation Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us. G. Changes The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, it may be necessary to amend any of the terms and conditions of the Group Policy and You will receive notice of any such amendments from the Policyholder in due course. No change or modification of the Group Policy shall be effective except when made by written endorsement signed by Our authorised representative. H. Subrogation If We settle any claim or payment or otherwise cover any loss applying under the Group Policy, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation. I. Compliance The benefits of the Group Policy are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms. J. Financial Claims Scheme The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy. In the unlikely event that we are unable to meet our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at apra.gov.au/financial-claims- scheme. K. Payment of Claims All payments to be made by the Insurer shall be paid to Eligible Cardholder in the Territory and such payments shall be subject to the laws and regulations then in effect in the Territory. Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of Virgin Money Credit Cards. This Cover is available to Eligible Cardholders (“you/your”) while you remain an Eligible Cardholder, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions” as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and Virgin Money are not the issuer or insurer of the Cover. Neither NAB, Virgin Money nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement. A184874-0626

Source: https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards

Forms and important information - Credit Cards

From changing your name, to setting up a direct debit to automatically pay your account, you’ll find the form you need right here, along with the terms and conditions that apply to your account.

If not, give our Customer Care Team a call on 13 37 39.

Forms

Set up direct debit to automatically pay your account

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/content/dam/virginmoney/vma-downloads/credit-cards/Direct_Debit_Autopay.pdf

Apply for hardship assistance

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/content/dam/virginmoney/vma-downloads/credit-cards/Personal_Financial_Summary_Form.pdf

Change of Legal Name form

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/content/dam/virginmoney/vma-downloads/credit-cards/change-of-name-form.pdf

Change in Date of Birth Form

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-change-date-of-birth-form.pdf

Power of Attorney Request Form

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-power-of-attorney-form.pdf

Authorised Person (AP) Request Form

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-authorised-person-form.pdf

Add an Authorised Representative - Letter of Authority

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/content/dam/virginmoney/vma-downloads/credit-cards/letter-of-authority.pdf

Flight Gift Voucher Request Form

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/content/dam/virginmoney/vma-downloads/credit-cards/virgin-australia-flight-gift-voucher.pdf

Unclaimed Monies Form

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/content/dam/virginmoney/vma-downloads/credit-cards/refund-of-unclaimed-monies-request.pdf

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Terms and Conditions

Privacy Notice

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/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-australia-privacy-policy.pdf

Credit Guide for Virgin Money Credit Cards

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-guide-virgin-money-credit-cards.pdf

Credit Card Terms & Conditions & Other Important Information

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf

Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/velocity-rewards-program-terms-and-conditions.pdf

Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf

Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf

Click to Pay Credit Cards Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/click-to-pay-terms-and-conditions.pdf

Virgin Australia Gift Voucher Benefit Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/voucher-benefit-tcs-pdf-dl.pdf

Virgin Australia Lounge Pass Benefit Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/high-flyer-lounge-pass-tcs-pdf-dl.pdf

Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/velocity-bonus-status-credits-terms-and-conditions.pdf

Virgin Money Rewards Program Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-rewards-terms-conditions-cvp.pdf

Rewards Program for High Flyer and Flyer Cardholders

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/content/dam/virginmoney/vma-downloads/credit-cards/rewards-program-high-flyer-flyer-terms-and-conditions.pdf

Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/anytime-rewards-program-terms-and-conditions.pdf

Apple Pay Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/apple-pay-terms-conditions.pdf

Google Pay Terms and Conditions

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Samsung Pay Terms and Conditions

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Target Market Determinations

Virgin Australia Velocity Flyer Card

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Virgin Australia Velocity High Flyer Card

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Virgin Money Anytime Rewards Credit Card

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/content/dam/virginmoney/vma-downloads/target-market-determinations/anytime-rewards-credit-card.pdf

Virgin Money Low Rate Credit Card

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/content/dam/virginmoney/vma-downloads/target-market-determinations/low-rate-credit-card.pdf

Virgin Money No Annual Fee Credit Card

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[Image: Virgin Money Credit Cards - View our handy FAQs]

View our handy FAQs

Contact Us

If you need help along the way give The Virgin Money Credit Cards team a call on 13 37 39 They're available 8am - 8pm Monday-Friday, 9am to 5pm Saturday (AEST) and closed National Public Holidays.

Get in touch{icon-button}

Quick Links

Request Flight Voucher

Instalment Plans

Rates & fees

FAQs

Important Information

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Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/bank-and-save

Transaction and Savings Rates, Limits, Fees and Charges

Here you’ll find the rates, limits, fees and charges that apply to the Virgin Money Go Account, Boost Saver and Grow Saver. For more information please refer to the terms and conditions.

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Limits {colspan-4}

Transaction type

Limits

Pay Someone

Daily limit set at $5,000 per account holder. This can be increased in the Virgin Money App up to $20,000 per day per account holder. A temporary one-day limit can be set above the $20,000 daily limit to allow for large one-off transfers.

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Daily limit set at $20,000 per account holder. This can be increased in the Virgin Money App up to $100,000 per day per account holder. Certain billers may set their own limits for individual BPAY payments.

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Transaction limit set at $200 in Australia where no PIN or signature is required. If a PIN or signature is provided then you may be able to perform a transaction up to the Visa Debit Card Transaction limit.

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Monthly criteria {colspan-2}

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a Virgin Money Go Account that is issued in the same name. Simply meet the following criteria on your Go Account each month to activate your Bonus Interest on your Boost Saver for the following month. {colspan-2}

Age group

Monthly Criteria

14 – 17 years

There are no Monthly Criteria requirements. You’re good to go.

Over 18 years

Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending).

Rewards {colspan-2}

Description

Points

Virgin Money Points for every purchase, direct debit and BPAY payment.

8 Points

Important Information on Virgin Money Rewards Points for Go Accounts:

Virgin Money Rewards Points for Joint Accounts will be split and evenly allocated to both joint account holders of that account.

Tab Title

Virgin Money Go Transaction Account

Interest rates {colspan-2}

Rate type

Interest Rate (p.a.)

Highest Variable Interest Rate

{banking-rates||b7||rate}% p.a.

This is made up of the variable Base rate of {banking-rates||b1||rate}% p.a., Bonus rate of {banking-rates||b2||rate}% p.a. and the Notice Interest Rate of {banking-rates||b6||rate}% p.a.

Base Interest Rate

{banking-rates||b1||rate}% p.a.

Bonus Interest Rate and Monthly Criteria

Additional variable interest rate earned on all your Boost Savers, up to a combined total balance of $250,000, in the same name as your Go Account when you meet the Monthly Criteria each month:

Deposit at least $1,000 into your Go Account from another financial institution.
Make at least 5 purchases on your Go Account that settled in that month (not pending).

When the Monthly Criteria is met in a calendar month, the Bonus Interest rate will apply in the following calendar month.

There are no Monthly Criteria requirements if you are under 18.

{banking-rates||b2||rate}% p.a.

Notice Interest Rate

Additional variable interest rate earned on a Boost Saver where the optional Lock Saver Feature is enabled.

Provide 32 days’ advance notice to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediate access to. For more information, go to our Lock Saver Feature website page.

{banking-rates||b6||rate}% p.a. (optional)

Important Information on Bonus Interest for Boost Savers:

Bonus Interest Rate can be activated on all your Boost Savers in the same name as your Go Account when you cumulatively meet the Monthly Criteria in the Monthly Criteria dropdown. For clarity, if you hold an account(s) in your name as an individual, and an account(s) in two names (joint account), you will be required to meet the Monthly Criteria on each account type (individual and joint) to activate the benefits for both.
The Bonus Interest rate applies up to a combined total balance of $250,000 across all Boost Savers in the same name.
Once the Lock Saver Feature is enabled you will earn the additional variable Notice Interest rate while the Lock Saver Feature is enabled, up until the date that you activate the Unlock Saver Feature. The additional variable Notice Interest rate does not apply during the 32 day notice period which commences once you activate the Unlock Saver Feature.

Monthly criteria {colspan-2}

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a Virgin Money Go Account that is issued in the same name. Simply meet the following criteria each month to activate your bonus interest benefit for the following month. {colspan-2}

Age group

Monthly Criteria

14 – 17 years

There are no Monthly Criteria requirements. You’re good to go.

Over 18 years

Fees and charges {colspan-4}

Name

Fee

Description

Monthly Account Keeping

Free

There are no monthly account keeping fees with our Virgin Money Deposit Accounts.

BPAY, Pay Someone, Card Transactions

Free

There is no fee charged by Virgin Money for performing a BPAY® Payment, pay anyone of making a card transaction, which you should be advised of at the time of making the transaction.

Domestic ATM Withdrawal Fee

Free

We don’t charge fees to withdraw cash, however a fee may be charged at the ATM and should be displayed on the screen before proceeding with the withdrawal. Most major bank ATMs do not charge a fee, giving you access to over 10,000 ATMs across Australia.

Domestic Emergency Card Replacement

$15

Charged when we courier a card to you within Australia.

International Emergency Card Replacement

$75

Charged when we courier a card to you internationally.

Currency Conversion

2.50%

Fee charged for any International Transaction which includes:

any transaction made in a foreign currency; or
when any transaction is processed outside of Australia (in Australian dollars or a foreign currency).

It is calculated as a percentage of the Australian dollar equivalent.

International ATM Withdrawal

Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.

International Balance Enquiry

Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM and should be displayed on the screen before proceeding with the withdrawal.

Trace

$20

Charged when you request us to initiate a trace to confirm that a third-party payment was received at the destination account or when an unknown third-party payment has been received in your account. Note: the fee will be waived if the trace shows that the transaction was incorrectly posted to your account.

Manual Statement

$10

Charged when you request a manual statement to be generated and emailed to you. All statements are available on the Virgin Money App and can be accessed for closed accounts

Paper Statement – Domestic

Charged for each paper statement that is required to be posted to an address in Australia.

Paper Statement – International

Charged for each paper statement that is required to be posted to an International Address.

BPAY Error Correction Fee

$30

Charged when you and / or the BPAY biller request us to correct, investigate, dispute or trace an error made on a BPAY instruction. Note: This fee will be waived where it is determined that either our or the BPAY system has caused the error to occur.

Direct Debit Dishonour

Free

Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.

Cheque Dishonour

Free

There is no fee charged for a cheque deposit that is dishonoured on your account.

Bank Cheque

$10

Charged for each bank cheque that is produced and posted to an Australian address.

Withdrawal by card at Bank@PostTM

Free

There is no fee to withdraw cash using your card at Bank@PostTM

Deposit of cash at Bank@Post TM

Free

There is no fee to deposit cash at Bank@PostTM

Deposit of cheques at Bank@PostTM

Free

There is no fee to deposit cheques at Bank@PostTM

Balance enquiry at Bank@PostTM

Free

There is no fee to check your account balance at Bank@PostTM

Limits {colspan-4}

Transaction type

Limits

Pay Someone

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Tab Title

Virgin Money Boost Saver

Interest rates & Monthly Criteria {colspan-2}

Rate type

Interest Rate (p.a.)

Highest Variable Interest Rate

{banking-rates||gr5||rate}% p.a.

This is made up of the variable Base rate of {banking-rates||gr1||rate}% p.a., Bonus rate of {banking-rates||gr2||rate}% p.a. and the Notice Interest Rate of {banking-rates||gr4||rate}% p.a.

Base Interest Rate

{banking-rates||gr1||rate}% p.a.

Bonus Interest Rate

Additional variable interest rate earned on your Grow Saver when you meet the Monthly Criteria of at least 1 deposit and no more than 1 withdrawal in that month.

{banking-rates||gr2||rate}% p.a.

Notice Interest Rate

Additional variable interest rate earned on a Grow Saver where the optional Lock Saver Feature is enabled.

Provide 32 days’ advance notice to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediately access. For more information, go to our Lock Saver Feature website page.

{banking-rates||gr4||rate}% p.a. (optional)

Important Information on Bonus Interest for Grow Savers:

Bonus Interest Rate for a month can be activated by simply making 1 deposit and no more than 1 withdrawal in that month.
To activate the Bonus Interest Rate on a particular account you must meet these conditions on that account.
Once the Lock Saver Feature is enabled you will earn the additional variable Notice Interest rate while the Lock Saver Feature is enabled, up until the date that you activate the Unlock Saver Feature. The additional variable Notice Interest rate does not apply during the 32 day notice period which commences once you activate the Unlock Saver Feature.

Fees and charges {colspan-4}

Name

Fee

Description

Monthly Account Keeping

Free

There are no monthly account keeping fees with our Virgin Money Deposit Accounts.

BPAY, Pay Someone, Card Transactions

Free

There is no fee charged by Virgin Money for performing a BPAY® Payment, pay anyone of making a card transaction, which you should be advised of at the time of making the transaction.

Domestic ATM Withdrawal Fee

Free

Domestic Emergency Card Replacement

$15

Charged when we courier a card to you within Australia.

International Emergency Card Replacement

$75

Charged when we courier a card to you internationally.

Currency Conversion

2.50%

Fee charged for any International Transaction which includes:

any transaction made in a foreign currency; or
when any transaction is processed outside of Australia (in Australian dollars or a foreign currency).

It is calculated as a percentage of the Australian dollar equivalent.

International ATM Withdrawal

Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.

International Balance Enquiry

Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM and should be displayed on the screen before proceeding with the withdrawal.

Trace

$20

Manual Statement

$10

Charged when you request a manual statement to be generated and emailed to you. All statements are available on the Virgin Money App and can be accessed for closed accounts

Paper Statement – Domestic

Charged for each paper statement that is required to be posted to an address in Australia.

Paper Statement – International

Charged for each paper statement that is required to be posted to an International Address.

BPAY Error Correction Fee

$30

Direct Debit Dishonour

Free

Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.

Cheque Dishonour

Free

There is no fee charged for a cheque deposit that is dishonoured on your account.

Bank Cheque

$10

Charged for each bank cheque that is produced and posted to an Australian address.

Withdrawal by card at Bank@PostTM

Free

There is no fee to withdraw cash using your card at Bank@PostTM

Deposit of cash at Bank@Post TM

Free

There is no fee to deposit cash at Bank@PostTM

Deposit of cheques at Bank@PostTM

Free

There is no fee to deposit cheques at Bank@PostTM

Balance enquiry at Bank@PostTM

Free

There is no fee to check your account balance at Bank@PostTM

Limits {colspan-4}

Transaction type

Limits

Pay Someone

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Tab Title

Virgin Money Grow Saver

Ready to get started? Join in just minutes with six easy steps

Open an account

Want to explore more about the Virgin Money Go Transaction Account?

Go Account

Important Information

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Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards

Credit card rates and fees summary

Here you’ll find the rates and fees that are specific to the type of card you have. {sub-heading}

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[Image]

Virgin Australia Velocity High Flyer Credit Card

[Image]

Virgin Australia Velocity Flyer Credit Card

[Image]

Virgin Money Anytime Rewards Credit Card

[Image]

Virgin Money Low Rate Credit Card

[Image]

Virgin Money No Annual Fee Credit Card

Tag

All Cards, Rewards Cards

All Cards, Low Rate/No Annual Fee Cards

Annual fee

Annual fees are subject to change.

$349

$169

$99. Annual fees are subject to change.

No annual fee... ever

Retail purchase rate

21.99% p.a.

12.99% p.a.

19.99% p.a.

Cash advance rate

21.99% p.a.

21.69% p.a.

20.99% p.a.

Balance transfer rate on all cards

Reverts to the cash advance rate at end of the offer period.

International Transaction Fee

3.30%

{empty}

Learn more

Fees common across all our credit cards

A Cash Advance Fee ‐ Domestic

$2.70 per transaction amount or 2.7% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place.

A Cash Advance Fee ‐ International

$5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.

International Transaction Fee

We charge you an International Transaction Fee of 3.3% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:

foreign currency once converted to Australian dollars; and/or
Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas.

For the Virgin Money Anytime Rewards Card, the International Transaction Fee was removed from 1 October 2026.

Late Payment Fee

$30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.

Over-the-Counter Fee (Bank@Post)*

$2.50 fee applies for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol

Paper Statement Fee

$2 each month we issue you with a paper statement, debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances.

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Important Information

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Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loans

Rates and Fees

Packed with perks, loaded with rewards and built to flex with you. Compare home loans and see what's possible.

Choose a home loan that fits

We make things simple, especially when it comes to home loan comparisons, so you know you’re getting the right deal for you.

{empty}

Lite Home Loan

Loaded Home Loan

Rate {grey-cell}

Variable rate from

{hlx-rates || 98026 || Rate} % p.a.3

Minimum $150k loan, up to 80% LVR

Variable rate from

{hlx-rates || 98049 || Rate}% p.a.5

Minimum $150k loan, up to 60% LVR

Comparison {grey-cell}

Comparison rate21

{hlx-rates || 98026|| Comparison Rate}% p.a.

Comparison rate21

{hlx-rates || 98049 || Comparison Rate}% p.a.

Eligibility {grey-cell}

Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 80% LVR11.

Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $400K, max 60% LVR11.

Annual fee {grey-cell}

$295 p.a.

Payable for the first time on the lending date, then on or around every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded home loan held in the same name(s) and capacity.

Valuation fee

We will cover the valuation costs up to $300

Earn Virgin Money Points {grey-cell}

Earn 1,000 points per borrower each month just for making your repayments on time.16

Earn 100,000 points at settlement.

Earn 2,000 points per borrower each month just for making your repayments on time.16

Based on a new $500k Loaded Home Loan

Offset {grey-cell}

N/A

100% interest offset with a Go account

Redraw {grey-cell}

Option to redraw on variable rate home loans

Repayments {grey-cell}

Unlimited additional repayments on variable rate home loans

Owner Occupier

Found a place you want to call home? Check out our competitive Owner Occupier rates.

Style

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Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.

Learn more

For base rates, please see here

Owner Occupier - Variable

<$150K

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Owner Occupier - Variable

>$150K

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Owner Occupier - Fixed

LVR 0% to 60%

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Owner Occupier - Fixed

LVR 60.01% to 70%

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Owner Occupier - Fixed

LVR 70.01% to 80%

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Owner Occupier - Fixed

LVR 80.01% to 90%

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Owner Occupier - Fixed

LVR 90.01% to 95%

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Tab Title

Lite Home Loan

Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.

Learn more

For base rates, please see here

Owner Occupier - Variable

<$150K

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Owner Occupier - Variable

>$150K - $400K

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Owner Occupier - Variable

>$400K - $700K

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Owner Occupier - Variable

>$700K +

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Owner Occupier - Fixed

LVR 0% to 60%

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Owner Occupier - Fixed

LVR 60.01% to 70%

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Owner Occupier - Fixed

LVR 70.01% to 80%

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Owner Occupier - Fixed

LVR 80.01% to 90%

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Owner Occupier - Fixed

LVR 90.01% to 95%

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Tab Title

Loaded Home Loan

Investor

Buying or refinancing a place to rent out? Make property investing even more rewarding with a Virgin Money Home Loan.

Style

Padding-b-0

Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.

Learn more

For base rates, please see here

Investor - Variable

<$150K

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Investor - Variable

>$150K

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Investor - Fixed

LVR 0% to 60%

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Investor - Fixed

LVR 60.01% to 70%

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Investor - Fixed

LVR 70.01% to 80%

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Investor - Fixed

LVR 80.01% to 90%

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Investor - Fixed

LVR 90.01% to 95%

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Tab Title

Lite Home Loan

Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.

Learn more

For base rates, please see here

Investor - Variable

<$150K

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Investor - Variable

>$150K - $400K

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/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-150-400

Investor - Variable

>$400K - $700K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-400-700

Investor - Variable

>$700K +

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-700-plus

Investor - Fixed

LVR 0% to 60%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-0-60

Investor - Fixed

LVR 60.01% to 70%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-60-70

Investor - Fixed

LVR 70.01% to 80%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-70-80

Investor - Fixed

LVR 80.01% to 90%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-80-90

Investor - Fixed

LVR 90.01% to 95%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-90-95

Tab Title

Loaded Home Loan

Reward Me Home Loan

Please note the Reward Me home loan is no longer offered for new applications.
Existing customers can still manage a Reward Me Home Loan and Companion Account through the hub.

Access your account online via the Hub.

Online: hub.virginmoney.com.au

Want to talk to a home loan specialist?

Our experts have got your back. They’re on hand to guide you through every step of the journey.

Enquire now

Key upfront fees

Find out about fees for Virgin Money Lite Home Loan or Loaded Home Loans.{sub-heading}

{empty}

Lite Home Loan

Loaded Home Loan

Annual fee

$295 p.a. payable for the first time on the settlement date and then on or about every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded Home Loan held in the same name(s) and capacity.

Settlement fee

$150 - Payable for completing settlement of your loans.

Valuation fee

We will cover the valuation costs up to $300.

We will cover the valuation costs up to $300

Rate Lock

$750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.

Government fees and charges

These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.

Depending on how you use your loan, you may have to pay other fees and charges.

Have a RewardMe home loan? The RewardMe home loan is no longer offered for new applications. Existing customers can view interest rates and find support here.

The home loan information rundown

[Image]

Important Information

A full list of important information that could apply to your home loan along with terms and conditions.

See important information

[Image]

Base Rates

View our base rates.

View base rates

Style

layout-cols-33-66

Style

layout-cols-33-66, small-button

Contact us

Find support, contact details & important information.{sub-heading}

View all contact information

Get in touch

Our lending specialists are here to help. Start with a quick, no obligation chat at a time that works for you. Just fill in the form and our home loan experts will aim to contact you within 24 hours.

Enquire now

13 81 51

General enquiries | Home loan & offset account

Monday to Friday 8am - 6pm (AEST/AEDT)
Saturday 8am - 5pm (AEST/AEDT)
Excluding public holidays.

1800 701 997

Financial Hardship Assistance

Monday to Friday 8.30am - 5pm (AEST/AEDT)
Excluding public holidays.

View support page

Important Information

Fragment
/fragment/terms-and-conditions/home-loans/home-loans	11, 16, 21

Source: https://www.virginmoney.com.au/superannuation/individuals/fees

Superannuation fees

Don’t let superannuation fees eat away your future. Our low fees1 helps you grow your super balance. Less fees, more super.{sub-heading}

Join now{dropdown-list}
- Individual{external-link}
- Employer{external-link}
Login{button-group inverse-button dropdown-list}
- Individual{external-link}
- Employer{external-link}

[Image: hero]

[Image: hero1]

Style

padding-b-0

Check your annual super fees

Want to see what you’ll pay in super fees? Select your super balance to check your estimated annual fees with Virgin Money Super.1

height

500px

config

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.points-calculator {\n\t  padding-top: 0;\n\t}\n\t\n\tbody.in-mobile .calculator-row {\n\t  position: relative;\n\t}\n\t\n\tbody.in-mobile .calculator-item{\n\t  width: 100%;\n\t  box-sizing: border-box;\n\t}\n\t\n\tbody.in-mobile .calculator-item-choice{\n\t  /* padding-right: 85px; */\n\t}\n\t\n\tbody.in-mobile .calculator-wrapper{\n\t  margin: 0 auto;\n\t  width: 160px;\n\t}\n\t\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-item-choice-inline .calculator-input {\n\t  width: 40%;\n\t}\n\t\n\tbody.in-mobile .calculator-row-2 .calculator-wrapper{\n\t  padding: 0;\n\t  float: none;\n\t}\n\t\n\tbody.in-mobile .calculator-item-left {\n\t  width: 100%;\n\t}\n\t\n\tbody.in-mobile .calculator-item-right {\n\t  width: 60%;\n\t  float: left;\n\t}\n\tbody.in-mobile .calculator-item-right .slider-bar {\n\t  float: right;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip {\n\t  margin-top: 3px;\n\t}\n\t\n\tbody.in-mobile .calculator-row-2 .calculator-item-right .calculator-choice {\n\t  margin: 0 auto;\n\t}\n\t\n\tbody.in-mobile .calculator-slider-container {\n\t  height: auto;\n\t  width: 100%;\n\t}\n\t\n\tbody.in-mobile .calculator-slider{\n\t  position: relative;\n\t  padding: 0 15px;\n\t  width: calc(100% - 30px);\n\t}\n\t\n\tbody.in-mobile #loan-slider,\n\tbody.in-mobile #credit-amount-slider,\n\tbody.in-mobile #tenure-slider{\n\t  width: 100%;\n\t  float: none;\n\t  margin: 0;\n\t}\n\t\n\tbody.in-mobile #loan-slider .ui-slider-value,\n\tbody.in-mobile #credit-amount-slider .ui-slider-value{\n\t  display: none;\n\t}\n\t\n\tbody.in-mobile .slider-min,\n\tbody.in-mobile .slider-max {\n\t  margin: 10px 0;\n\t  /*width: 80px;*/\n\t  /*text-align: right;*/\n\t  /*position: absolute;*/\n\t  /*top: 6px;*/\n\t  /*left: 0;*/\n\t}\n\t\n\tbody.in-mobile .slider-max {\n\t  /*width: 80px;*/\n\t  /*text-align: left;*/\n\t  /*position: absolute;*/\n\t  /*top: 6px;*/\n\t  /*right: 0;*/\n\t}\n\t\n\tbody.in-mobile .calculator-choice{\n\t  /*  position: absolute;\n\t  width: auto;\n\t  right: 0;\n\t  top: 10px;*/\n\t}\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-choice{\n\t  top: auto;\n\t  bottom: 10px;\n\t}\n\t\n\tbody.in-mobile .calculator-radio-button,\n\tbody.in-mobile .calculator-checkbox-button{\n\t  font-size: 11px;\n\t}\n\t\n\tbody.in-mobile .calculator-checkbox {\n\t  width: 100%;\n\t  padding: 8px 0;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip .calculator-tooltip-wrapper {\n\t  top: auto;\n\t  bottom: 17px;\n\t  left: -140px;\n\t  padding: 0 0 12px 0;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/tooltip-point-bottom.png) bottom right no-repeat;\n\t}\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-tooltip .calculator-tooltip-wrapper {\n\t  background-position: bottom left;\n\t  left: -35px;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip .calculator-tooltip-value {\n\t  box-shadow: -2px -2px 2px 0 rgba(0, 0, 0, 0.1);\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip-button{\n\t  line-height: 20px;\n\t}\n\t\n\tbody.in-mobile .points-breakdown{\n\t  float: none;\n\t  margin: 20px 15px;\n\t}\n\t\n\tbody.in-mobile .breakdown-title {\n\t  text-align: center;\n\t  line-height: 15px;\n\t  padding: 15px 0 10px 0;\n\t}\n\t\n\tbody.in-mobile .breakdown-list{\n\t  padding: 0 0 5px 0;\n\t}\n\t\n\tbody.in-mobile .points-breakdown .breakdown-item{\n\t  float: none;\n\t  width: 160px;\n\t  margin: 10px auto;\n\t}\n\t\n\tbody.in-mobile .points-disclaimer {\n\t  margin: 20px 15px;\n\t  float: none;\n\t}\n\tdiv.vma-important-info{\n\t  background: url(\"http://virginmoney.com.au/images/global/icons/icon-vma-info-22-red.png\") no-repeat scroll 72px 0;\n\t  clear: both;\n\t  font-size: 11px;\n\t  padding-left: 100px;\n\t  padding-right: 20px;\n\t}\n\tbody.in-mobile div.vma-important-info{\n\t  background: url(\"http://virginmoney.com.au/images/global/icons/icon-vma-info-22-red.png\") no-repeat scroll 22px 0;\n\t  padding-left: 50px;\n\t  margin-top:15px;\n\t}\n\tdiv.tenure-div{\n\t  padding-top: 10px;\n\t}\n\t.clearfix:after {\n\t  content: \".\";\n\t  display: block;\n\t  clear: both;\n\t  visibility: hidden;\n\t  line-height: 0;\n\t  height: 0;\n\t}\n\t.clearfix {\n\t  /*display: inline-block;*/\n\t}\n\thtml[xmlns] .clearfix {\n\t  display: block;\n\t}\n\t* html .clearfix {\n\t  height: 1%;\n\t}\n\t\n\t@media screen and (max-width: 768px) {\n\t  .super-fee-comparison{\n\t\toverflow-x: hidden;\n\t\tpadding: 20px 0;\n\t  }\n\t  .points-chart{\n\t\twidth:275%;\n\t  }\n\t  .slider-bar-label{\n\t\ttext-align: center;\n\t\twidth: 100%;\n\t\tmargin-bottom: 20px;\n\t  }\n\t  .slider-wrapper{\n\t\twidth: 80%;\n\t\tfloat:none;\n\t\tmargin: 10px auto;\n\t  }\n\t  .points-chart .h-axis .h-axis-wrapper{\n\t\tfloat: left;\n\t\toverflow-x: hidden;\n\t\toverflow-y: visible;\n\t\tpadding-top: 60px;\n\t  }\n\t\n\t}\n\t\n\t"},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery-1.8.2.min.js"},"children":[],"content":""},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery-ui-1.9.2.custom.js"},"children":[],"content":""},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery.ui.touch-punch.min.js"},"children":[],"content":""},{"tag":"div","attributes":{"class":"main-container"},"children":[{"tag":"div","attributes":{"class":"super-fee-comparison vma-calculator"},"children":[{"tag":"div","attributes":{"class":"data"},"children":[{"text":"[\"Product Name\", \"$150,000\", \"$100,000\", \"$50,000\", \"$25,000\", \"$5,000\"],\n\t\t[\"Virgin Money Super\", 946, 650, 354, 206, 88],\n\t\t[\"Industry Fund Average\", 1240, 847, 454, 257, 100],\n\t\t[\"Retail Fund Average\", 1236, 844, 452, 256, 99],"}]}]},{"tag":"script","attributes":{},"children":[],"content":"\n\n\n\tvar comparison_points_options = Object();\n\tchartHeight = 300;\n\t/**\n\tmain Function to build a comparison calculator\n\targument: id of div to be replaced with calc\n\t*/\n\tfunction buildComparison(calcId) {\n\t\n\t  $velocity_calculator = jQuery('#' + calcId);\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  comparisonHtml  = \"\";\n\t  comparisonHtml += '<div class=\"points-form clearfix\">';\n\t  comparisonHtml += '  <form class=\"clearfix\">';\n\t  comparisonHtml += '\t\t\t<div class=\"calculator-item slider-bar-label\">What is your super balance?</div>';\n\t  comparisonHtml += '\t\t\t<div class=\"calculator-item slider-wrapper\">';\n\t  comparisonHtml += '\t\t\t\t<div class=\"slider-bar\"></div>';\n\t  comparisonHtml += '\t\t\t\t<div class=\"slider-bar-ticks clearfix\">';\n\t  for(i=1; i<data[0].length; i++){\n\t\tcomparisonHtml += '\t\t\t<div class=\"slider-bar-tick\" style=\"left:' + ((i-1) * (100 / (data[0].length - 2))) + '%;\"><span>' + data[0][i] + '</span></div>';\n\t  }\n\t  comparisonHtml += '\t\t\t\t</div>';\n\t  comparisonHtml += '\t\t\t</div>';\n\t  comparisonHtml += '\t</form>';\n\t  comparisonHtml += '</div>';\n\t  comparisonHtml += '<div class=\"points-chart\"><div class=\"points-chart-inner\">';\n\t  comparisonHtml += buildComparisonVAxis(calcId, 3);\n\t  comparisonHtml += buildComparisonColumns(calcId, 3);\n\t  comparisonHtml += buildComparisonHAxis(calcId);\n\t  comparisonHtml += '</div></div>';\n\t\n\t  $velocity_calculator.html(comparisonHtml);\n\t\n\t  jQuery(\".points-chart .comparison-scroller-inner\", $velocity_calculator).draggable(\n\t\t{\n\t\t  axis: \"x\",\n\t\t  scroll: false,\n\t\t  drag: function( event, ui ) {\n\t\t\tif(ui.position.left >= 0){\n\t\t\t  ui.position.left = 0;\n\t\t\t}\n\t\t\tscrollWindowWidth = $velocity_calculator.outerWidth() - (jQuery('.v-axis', $velocity_calculator).outerWidth() + jQuery('.column-box-1', $velocity_calculator).outerWidth());\n\t\t\tif(ui.position.left < -(jQuery(this).width() - scrollWindowWidth)){\n\t\t\t  ui.position.left = (jQuery(this).width() - scrollWindowWidth > 0) ? -(jQuery(this).width() - scrollWindowWidth) : 0;\n\t\t\t}\n\t\t\tjQuery(\".h-axis-wrapper-inner\", $velocity_calculator).css('left', ui.position.left);\n\t\t  }\n\t\t}\n\t  );\n\t\n\t  jQuery('.slider-bar', $velocity_calculator).slider({\n\t\trange: \"min\",\n\t\tvalue: 3,\n\t\tmin: 1,\n\t\tmax: 5,\n\t\tslide: function(event, ui) {\n\t\t  rebuildComparisonColumns(calcId, ui.value);\n\t\t  jQuery('.v-axis', '#' + calcId).replaceWith(buildComparisonVAxis(calcId, ui.value));\n\t\t},\n\t\tcreate: function(event, ui) {\n\t\t  // build label\n\t\t}\n\t  });\n\t\n\t\n\t\n\t  //  activateCalculator(calcId);\n\t}\n\t\n\tfunction buildComparisonVAxis(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  ticks = getTicks(data, idx, 4); // due to rounding this can sometimes be 5\n\t\n\t  comparison_points_options[calcId]['ticks'] = ticks;\n\t\n\t  vAxisHtml  = '\t<div class=\"v-axis\">';\n\t  vAxisHtml += '\t\t<div style=\"height: 0px\"></div>';\n\t  for(i = ticks.length-1; i >= 0; --i){\n\t\tvAxisHtml += '\t\t<div class=\"grid\" style=\"height: ' + (chartHeight / ticks.length) + 'px\">';\n\t\tvAxisHtml += '\t\t\t<div class=\"grid-value\">$' + parseInt(ticks[i]) + '</div>';\n\t\tvAxisHtml += '\t\t</div>';\n\t  }\n\t  vAxisHtml += '\t</div>';\n\t\n\t  return vAxisHtml;\n\t}\n\t\n\tfunction buildComparisonHAxis(calcId){\n\t\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  hAxisHtml  = '\t<div class=\"h-axis cols-' + (data.length - 1) + '\">';\n\t  hAxisHtml += '\t\t<div class=\"column-label\" style=\"width:' + (100 / ( data.length - 1 )) + '%\"><span>' + data[1][0] + '</span></div>';\n\t  hAxisHtml += '\t\t<div class=\"h-axis-wrapper\" style=\"width:' + (100 - (100 / ( data.length - 1 ) ) ) + '%\"><div class=\"h-axis-wrapper-inner\">';\n\t  for(i=2; i<data.length; i++){\n\t\thAxisHtml += '\t\t\t<div class=\"column-label\" style=\"width:' + (100 / ( data.length - 2 )) + '%\"><span>' + data[i][0] + '</span></div>';\n\t  }\n\t  hAxisHtml += '\t\t</div></div>';\n\t  hAxisHtml += '\t</div>';\n\t  return hAxisHtml;\n\t}\n\t\n\tfunction buildComparisonColumns(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t  ticks = getTicks(data, idx, 4);\n\t  maxVal = ticks[ticks.length-1];\n\t\n\t  columnsHTML  = '\t<div class=\"columns cols-' + (data.length - 1) + '\">';\n\t  columnsHTML += '\t\t<div class=\"column-box column-box-1\" style=\"width:' + (100 / ( data.length - 1 )) + '%\">';\n\t  columnsHTML += '\t\t\t<div class=\"blank-points\" style=\"height: ' + (chartHeight - Math.ceil((data[1][idx] / maxVal) * chartHeight)) + 'px;\"></div>';\n\t  columnsHTML += '\t\t\t<div class=\"points-wrapper\">';\n\t  columnsHTML += '\t\t\t\t<div class=\"points\" style=\"height: ' + Math.ceil((data[1][idx] / maxVal) * chartHeight) + 'px;\"><span>' + dollarFormat(data[1][idx]) + '</span></div>';\n\t  columnsHTML += '\t\t\t</div>';\n\t  columnsHTML += '\t\t</div>';\n\t  columnsHTML += '\t\t<div class=\"comparison-scroller\" style=\"width:' + (100 - (100 / ( data.length - 1 ) ) ) + '%\">';\n\t  columnsHTML += '\t\t\t<div class=\"comparison-scroller-inner\">';\n\t  for(i=2; i<data.length; i++){\n\t\tcolumnsHTML += '\t\t\t\t<div class=\"column-box column-box-' + i + '\" style=\"width:' + (100 / ( data.length - 2 )) + '%\">';\n\t\tcolumnsHTML += '\t\t\t\t\t<div class=\"blank-points\" style=\"height: ' + (chartHeight - Math.ceil((data[i][idx] / maxVal) * chartHeight)) + 'px;\"></div>';\n\t\tcolumnsHTML += '\t\t\t\t\t<div class=\"points-wrapper\">';\n\t\tcolumnsHTML += '\t\t\t\t\t\t<div class=\"points\" style=\"height: ' + Math.ceil((data[i][idx] / maxVal) * chartHeight) + 'px;\"><span>' + dollarFormat(data[i][idx]) + '</span></div>';\n\t\tcolumnsHTML += '\t\t\t\t\t</div>';\n\t\tcolumnsHTML += '\t\t\t\t</div>';\n\t  }\n\t  columnsHTML += '\t\t\t</div>';\n\t  columnsHTML += '\t\t</div>';\n\t  columnsHTML += '\t</div>';\n\t\n\t  return columnsHTML;\n\t}\n\t\n\tfunction rebuildComparisonColumns(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t  ticks = getTicks(data, idx, 4);\n\t  maxVal = ticks[ticks.length-1];\n\t\n\t  for(i=1; i<data.length; i++){\n\t\tjQuery('.blank-points', '#' + calcId + ' .column-box-' + i).height((chartHeight - Math.ceil((data[i][idx] / maxVal) * chartHeight)));\n\t\tjQuery('.points', '#' + calcId + ' .column-box-' + i).height(Math.ceil((data[i][idx] / maxVal) * chartHeight)).html('<span>' + dollarFormat(data[i][idx]) + '</span>');\n\t  }\n\t}\n\t\n\tfunction getTicks(data, idx, tickCount){\n\t  maxVal = 0;\n\t  ticks = [];\n\t  for(i=1; i<data.length; i++){\n\t\tmaxVal = Math.max(maxVal, data[i][idx]);\n\t  }\n\t  tickCount = 4;\n\t  tempStep = maxVal / tickCount;\n\t  mag = Math.floor(Math.log10(tempStep));\n\t  magPow = Math.pow(10, mag);\n\t  magMsd = parseInt(tempStep / magPow + 0.5);\n\t  stepSize = magMsd * magPow;\n\t\n\t  val = 0;\n\t  while(val < maxVal){\n\t\tval += stepSize;\n\t\tticks.push(val);\n\t  }\n\t  return ticks;\n\t}\n\t\n\tif(typeof Math.log10 == 'undefined'){\n\t  Math.log10 = function (x) {\n\t\treturn Math.log(x) / Math.LN10;\n\t  };\n\t}\n\t\n\tfunction dollarFormat(number){\n\t  return '$' + addCommas(number);\n\t}\n\t\n\tfunction addCommas(number) {\n\t  var n= number.toString().split(\".\");\n\t  n[0] = n[0].replace(/\\B(?=(\\d{3})+(?!\\d))/g, \",\");\n\t  return n.join(\".\");\n\t}\n\tjQuery(document).ready(function() {\n\t  jQuery('.super-fee-comparison').each(function(idx, obj){\n\t\t// don't do anything if no id provided\n\t\tif(typeof jQuery(obj).attr('id') == 'undefined'){\n\t\t  jQuery(obj).attr('id', 'comparison' + idx);\n\t\t}\n\t\tid = jQuery(obj).attr('id');\n\t\tcomparison_points_options[id] = Object();\n\t\tdata = \"[\" + jQuery('.data', obj).html().trim() + \"]\";\n\t\tconsole.log(data, eval(data));\n\t\tjQuery('.data', obj).remove();\n\t\tcomparison_points_options[id]['data'] = eval(data);\n\t\tbuildComparison(id);\n\t  })\n\t});\n\t\n\t"}]}]

/fragment/terms-and-conditions/superannuation/fees-important-information

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Breakdown of your annual super fees & other costs

A breakdown of your superannuation fees. Select the fees you want defined on the tabs below.

Activity fees

Additional fees may occur depending on specific super account requests you make.

What do you pay for? {grey-row}

How much is it?

How and when is it paid?

Switching fee

NIL

N/A

Insurance administration fee

$18 per annum per policy

Deducted monthly from account balance

Family law split

$88

One off deducted from account balance, generally split equally between you and your former spouse

Family law information request

$110

One off fee. Payable by cheque upon application.

Overseas transfer fee

NIL

N/A

For more information, refer to the Product Disclosure Statement (PDS).

Tab Title

Activity fees

Administration fees {font-dark}

The general administration fees that cover the cost of keeping your super account.{sub-heading}

What do you pay for? {grey-row}

How much is it?

How and when is it paid?

Administration fee (dollar based)*

$58 per annum

Fixed dollar-based administration fee is generally deducted on the last day of the month from your account balance.

Administration fee (asset based)*

0.424% per annum

Asset-based administration fee is generally calculated and deducted daily when unit prices are determined. Reflected in your super account balance.

Administration cost

0.03% per annum

Costs associated with product and strategic services, estimated to be 0.03% per annum of Mercer Super Trust assets.

* From 1 July 2019, if your super account balance is less than $6,000 at 30 June of a financial year, the total combined amount of administration fees, investment fees and transaction costs charged to you for the relevant financial year is capped at 3% of your super account balance. Any amount charged in excess of the cap must be refunded.

For more information, refer to the Product Disclosure Statement (PDS) and Product Guide.

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Administration fees

Transaction costs18{font-dark}

The costs associated with trading to manage the investment strategy for each investment option in your superannuation account. Note you’ll only pay transaction costs for the investment strategy or strategies that apply to your super.

What do you pay for?{grey-row}

How much is it?

LifeStage Tracker®

0.00% - 0.01% p.a.

Indexed Diversified Shares

0.00% p.a.

Enhanced Indexed Conservative Growth

0.01% p.a.

Enhanced Indexed Growth

0.00% p.a.

Indexed Australian Shares

0.00% p.a.

Indexed Overseas shares

0.00% p.a.

Indexed Australian Listed Property

0.00% p.a.

Cash

0.00% p.a.

How and when is it paid? Generally deducted daily when unit prices are determined. Reflected in your super account balance.

For more information, refer to the Product Disclosure Statement (PDS).

Style

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Transaction costs

Investment fees and costs18{font-dark}

This covers the ongoing cost associated with managing your investment, which can vary depending on the investment options. It’s a percentage based fee that is applied to the money you have invested in each investment option. {sub-heading}

What do you pay for?

How much is it?

LifeStage Tracker®

0.146% - 0.156% p.a. of your account balance in this option

Indexed Diversified Shares

0.23% p.a. of your account balance in this option

Enhanced Indexed Conservative Growth

0.29% p.a. of your account balance in this option

Enhanced Indexed Growth

0.28% p.a. of your account balance in this option

Indexed Australian Shares

0.22% p.a. of your account balance in each of this option

Indexed Overseas Shares

0.22% p.a. of your account balance in each of this option

Indexed Australian Listed Property

0.23% p.a. of your account balance in each of this option

Cash

0.12% p.a. of your account balance in this option

How and when is it paid? Generally calculated and deducted daily (from the underlying investment vehicles or the relevant investment options) when unit prices are determined. Reflected in a reduction of investment returns of the investment option.

For more information, refer to the Product Disclosure Statement (PDS).

Style

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Investment fees and costs

Insurance fees{font-dark}

Age next birthday

Type of Automatic Insurance cover6

Annual premium
A

Annual cost recovery fee
B

Annual insurance fee
A+B

30 years old

Death and TPD

$243,000 of cover

($2.73/week x 52) = $141.96

$1.5 x 12 = $18.00

$159.96

40 years old

Death and TPD

$270,400 of cover

($3.64/week x 52) = $189.28

$1.5 x 12 = $18.00

$207.28

30 years old

Death only

$243,000 of cover

($1.65/week x 52) = $85.80

$1.5 x 12 = $18.00

$103.80

40 years old

Death only

$270,400 of cover

($2.20/week x 52) = $114.40

$1.5 x 12 = $18.00

$132.40

The cost of insurance is made up of two elements:

A cost recovery fee of $1.50 per month per policy (retained by the fund to cover the cost of providing insurance to members) and
A monthly premium payable to the Insurer. The monthly premium is based on the type of cover, number of units and your age.

For more info, see the examples below or refer to our Insurance Guide.

Style

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Tab Title

Insurance fees

Style

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Baby Break

It doesn't seem fair when mums or dads go on parental leave and their employer superannuation contributions stop, but their fees don't. Virgin Money Super was one of the first super funds in Australia to do something about it, granting discounts on their super fees for eligible customers on parental leave.{sub-heading}

If you’re an existing Virgin Money Super customer, complete the Baby Break application form{link-button}

Conditions apply. See full terms and conditions.

Discount your asset based administration fee for up to 12 months while you're on parental leave: From 0.424% to 0.074%.

[Image: baby break]

Join Virgin Money Super

Get your super sorted in minutes. Join online, enjoy low fees1, customise your investments, and keep track of your super balance.{sub-heading}

Join now{dropdown-list inverse-button}
- Individual{external-link}
- Employer{external-link}
Login{dropdown-list secondary-button}
- Individual{external-link}
- Employer{external-link}

Style

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Learn more about all things superannuation

Discover our helpful blogs and guides to help you learn more on super - from superannuation fees to managing your finances.

How to enhance your superannuation

Explore opportunities to boost your super returns.

Learn more

Our guide to getting more from your money

See our tips to effortlessly grow your savings.

Learn more

7 steps to spring clean your finances

Help refresh your finances with 7 simple steps to save more and spend smarter.

Learn more

/fragment/help-and-support/superannuation/useful-links

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layout-cols-33-66, small-button

Contact us

Got a question? We’ve got answers. Contact us today — we’re here to help with whatever you need.

Call us

Monday to Friday: 8am – 6pm AEST.

1300 652 770

Online enquiry form

Send us an enquiry and we’ll get back to you within 1–2 business days.

Enquire now

Employer hotline

Monday to Friday: 9am – 5pm AEST

1300 855 040

Style

bg-light-grey

Important information

/fragment/terms-and-conditions/superannuation/important-information

Things you need to know

Fragment
/fragment/terms-and-conditions/superannuation/terms-and-conditions	1, 6, 18

Virgin Australia Velocity Flyer Card

Source wording changes

Source pages and terms

Saved wording and terms

Source: https://virginmoney.com.au/credit-card/compare-our-credit-cards/flyer-credit-card#global-tcs

Velocity Flyer Credit Card

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Complaints

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Important Information

Source: http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ec&s=g1Xvrd-vyWrDa2AUYWcBzN50Bdh13Xn10fMfNeHEgvE

Important information

Banking Code of Practice

Target Market Determinations

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Feedback and Complaints

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Transaction & Savings Accounts

Credit Cards

Home Loans

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Income Protection

Source: http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ed&cmpid=VFF1086_VMA_eDM_Del01_Virgin_Money_eDM_Module09_Copy02&bId=1989028348&acId=349926587&clid=FCP_915449800_PDM280347&s=5PYHzSG81KNtwlXnAP0ECRyXUaLFQeCtwgE8hsGxKzE

Virgin Money Voucher Terms of Use

Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card Gift Voucher Terms of Use

Information regardingImportant information

Vouchers issued prior to 08 July 2020

Vouchers issued on and from 08 July 2020

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Source: https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards

Forms and important information - Credit Cards

Forms

Set up direct debit to automatically pay your account

PDF{sub-tag}

Apply for hardship assistance

PDF{sub-tag}

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PDF{sub-tag}

Change in Date of Birth Form

PDF{sub-tag}

Power of Attorney Request Form

PDF{sub-tag}

Earn up to 70,000 bonus Velocity Points and 50 Status Credits16 with a Virgin Australia Velocity Flyer Card

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