Virgin Money

About Virgin Money

Known by almost everyone the world over, the Virgin Group has a sass and charm few other companies can emulate and Virgin Money perpetuates the style associated with this company.

With a highly polished and classy feel, their online loan application for a credit card offers a host of credit card choices as well as all the information one might need.

Elegantly yours to swipe

That the company invests in both matching and setting trends is obvious when perusing their credit card offering online.

A Simple Online Platform

The site is detailed yet eminently navigable and the layout & design so structured as to make deciding on a card option easy.

All mandatory as well as informative content is present. Although text-detailed in the second half, the scroll-down landing page is still short and concise.

An Array of Options

Credit card colour options are presented as elegantly simple, with single colour options and a smart look & feel to the cards themselves.

With giant international equity and a reputation for trimming costs for consumers, Virgin Money is a serious contender for anyone seeking a credit card facility.

What Virgin Money can offer you

The card options total 4 and are differentiated by the various features. The Virgin Australia Velocity Flyer Card carries an annual fee of $64 which will revert to the standard fee of $129 from the second year onward.

The balance transfer rate of this credit card is 0% for 18 months, after which it will revert to the standard rate too. It offers up to 44 days interest free.

It gets better

The next option is a Virgin Australia Velocity High Flyer card that carries heavier fees but also greater clout. It will cost $144 per annum by way of base cost in the first year.

Thereafter it reverts to a $289 per annum fee. The offered balance transfer rate is 1.9% for the first year after which it will revert to the standard rate. It also offers 44 days interest free post-purchase.

Flexibility and Affordability

For a credit card that avoids the cost of a credit card completely, the No Annual Fee card is on offer. With 0% annual fee and also offering an interest-free period of up to 44 days, this is a favourite among those who prefer not to pay for the facility on a yearly basis.

There is the proviso of a minimum of $6000 credit taken on the card and it also comes with 0% balance transfer fees, although it seems on the current promotional offer 2% will indeed be levied as a balance transfer rate.

Low Rate Cards

The final option for prospective clients is the Low Rate Card, carrying an annual fee of $99 and a balance transfer rate of 0%, although the latter is for a 6 month period only. Thereafter, things revert to the cash advance rate.

Offering the lowest purchase rate of all of the available credit card options, this is set at 11.99% 

In a Nutshell

  •  Available cards
    • Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    • Virgin No Annual Fee Credit Card
    • Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    • Virgin Australia Velocity Flyer Card - 0% Interest Offer
    • Virgin Money Low Rate Credit Card
  •  Rewards
    • Velocity Rewards 
  •  Interest ranges From 11.99% to 20.74% per annum
  •  Interest-free purchase periods Up to 12 months interest free
  •  Interest-free balance transfer periods Up to 18 months interest free
  •  Annual fee ranges From $0 to $289 per annum
  •  Average processing time 5 days
  •  Online application
  •  In-store application

Virgin Money has the card for you

While it might seem trivial and insignificant when compared to the base costs and features, the colour and tone of the cards is eminently stylish.

Velocity Rewards

As for the features, the rewards and points of Virgin come into play with all of their offered credit cards and a client is best advised to peruse the listed features to see which they prefer.

Some come into play where others don’t on a particular card and it really comes down to personal preference.

A Modern Credit Provider

Known as a lenient and modern, sassy finance house of a different nature, Virgin Money makes a great pitch for taking up a credit card with the company.

Rewards for Frequent Flyers

If a prospective client flies and flies a lot or has other tie-ins to the Virgin Group, a very pleasing and cost-effective construct can be built when also utilising a Virgin Money credit card.

Eligibility & Requirements

Other Products & Services

  • Credit Cards
  • Home Loans
  • Insurance

Here’s a short video about Virgin Money

Contact Details

 Visit Website


 Postal Address

  • Virgin Money, GPO Box 4299, Sydney, 2001, Australia