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It’s tax time. We’ll provide your FY26 interest summary directly to the ATO soon. If you’re looking for information about your interest earned this financial year, here’s everything you need to know.

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Velocity Flyer Credit Card

Every day spending that earns you an escape.

• Apply now

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• Existing cardholders: Important changes to your Virgin Money Credit Card are coming. Learn more about these changes and what they mean for you here.

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

• 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.
• 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
• 0% p.a. for 12 months on balance transfers. 3% balance transfer fee applies. Reverts to the 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. Reverts to the cash advance rate.
• Apply now

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

Flyer features

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Frequent flyers, maximise your Velocity Points

Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 per statement period, then 0.5 Points per $1 spent thereafter.
From 1 October 2026, the earn rate will change to 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.
Learn more about earning Velocity Points

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Fly more, earn more

As a Velocity Points earning cardholder, you can earn 5 Points per $1 spent on eligible Virgin Australia flights.
Learn more about flight benefits

Velocity Flyer Credit Card lowdown

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

Please see the Forms and important information for full details of limits for the Flyer Credit Card.

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Rates, fees & limits
Annual fee	$149. Annual fees are subject to change. From 1 October 2026 the annual fee will increase to $169
Interest-free period	Up to 44 days on retail purchases.
Purchase rate	20.74% p.a. From 1 October 2026 the purchase rate will change to 21.99% p.a.
Cash advance rate	20.99% p.a. From 1 October 2026 the cash advance rate will change to 21.99% p.a.
Minimum credit limit	$6,000
Points
Velocity Points earn rate	0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent thereafter. From 1 October 2026, the points earn will change: 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.
Accelerated Velocity Points	Earn 1 extra Velocity Point for every $1 spent directly with Virgin Australia. Plus as a Velocity Points earning cardholder, you can earn 5 Points per $1 spent on eligible Virgin Australia flights.
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 year, when you make a retail purchase in the 2 months prior to requesting the voucher.
Complimentary Insurances
Extended Warranty Insurance	[Image]
Purchase Protection Insurance	[Image]
Complimentary Mobile Phone Insurance will be available from 1 October 2026	[Image]
Security
Visa’s Zero Liability policy	[Image]
Visa Checkout	[Image]
Verified by Visa	[Image]
Visa Paywave	[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, Samsung Pay, or Google Pay for fast, secure, and contactless payments.

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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.
Read more

• Our top 10 Visa free countries to visit

Discover our top picks of where you can go with just your Aussie passport.
Read more

• How much does an overseas holiday cost?

See how you can crunch the numbers for your next trip to see how much your next getaway will be.
Read more

Useful links

Didn’t find what you were looking for? Go to our help and support page to find out more.

Features

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Calculators

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Benefits

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Velocity Flight Benefits

Virgin Money Rewards

Help and support

Using your card

FAQs

Terms & Conditions

Contact Us

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

Get help

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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.
Lodge a complaint

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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

Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions.

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 6 July 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. 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 1 Velocity point per $1 spent on Eligible Transactions up to $8,000 each statement period, 0.5 Velocity Points per $1 thereafter. For the Velocity Flyer Credit Card, earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 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 6 July 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.
• 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.