See our full terms and conditions here.
The things you need to know - Fees, charges, terms and conditions apply and are available upon request.

All interest rates shown are variable. This information is correct at 13 January 2012. You must be at least 18 years of age to apply for a credit card. You must also earn at least $25,000 p.a. for the No Annual Fee Credit Card or $35,000 p.a. for the Virgin Flyer Credit Card and Virgin High Flyer Credit Card. Approval is subject to our credit criteria.

1. If you do not pay your account in full by the due date and you carry a balance on your credit card from month to month the 44 days interest free period does not apply. If you then make a purchase you are charged interest. You will then need to pay your balance off in full for 2 consecutive months for the maximum 44 days interest free period to take effect. No interest free period is available on Cash Advances or Balance Transfers.

2. Cash withdrawal limits, fees and charges may apply.

3. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at virginaustralia.com/velocity, as amended from time to time.

4. Additional cardholder fees may apply. Primary cardholders are responsible for additional cardholder transactions and payments.

5. VISA Zero liability guarantee. Terms and conditions apply.

6. The balance transfer interest rate applies to balances transferred with this offer at point of application, for the period shown. Transferred balances are repaid first during this period. Annual fees attract interest at the retail purchases rate. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the No Annual Fee, Virgin Flyer, and Virgin High Flyer Credit cards. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates. The interest rates for retail purchases are 18.99% p.a. for the Virgin No Annual Fee credit card and 20.99% p.a. for the Virgin Flyer and High Flyer credit card. Interest rates are variable, subject to change and our credit criteria. The interest rates are current as at 13 January 2012. This offer ends 31 March 2012.

7. The above example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. The promotional period is 6 months for No Annual Fee, 9 months for Virgin Flyer and 6 months for Virgin High Flyer Credit cards. Excludes annual fees and other charges. This rate, balance, interest and potential savings calculations in the table above are examples only. Your personal circumstances may differ. It does not include interest accrued at the standard interest rate. The balance transfer interest rate applies to balances transferred with this offer at point of application, for the period shown. Transferred balances are repaid first during this period. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the No Annual Fee, Virgin Flyer, and Virgin High Flyer Credit cards. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rate. Current purchase interest rates are 18.99% p.a. on No Annual Fee and 20.99% p.a. on the Flyer and High Flyer credit cards. The current cash advance interest rate is 20.99% p.a. for all cards. Interest rates are variable, subject to change and our credit criteria. This offer ends 31 March 2012.

8. The offer is valid for two Guests only and both Guests must be booked and travelling together, and the Primary Cardholder must be one of the guests travelling. Offer provides 50% off Domestic Virgin Australia flights for you and a friend for up to 4 segments a year in saver, flexi and premium fare classes (excludes sale fares).  The Virgin Australia Guest Contact Centre will advise if there is availability for the dates you wish to travel. Credit card payment fees apply to both Guests and are not discounted. Checked baggage charges apply to some fare types. New Virgin Australia Guest Contact Centre bookings made at least 21 days in advance only. Payment with Virgin Flyer Credit Card and/or Virgin Australia vouchers required. Seats must be booked in the same fare class and are subject to availability which may be limited at peak times such as weekends, Christmas or School Holidays. Check out here for further Terms & Conditions.

9. Offer provides 50% discount off the normal price of Live2air. Full price will be charged to cardholders account and a credit of 50% of the charge amount will be applied to the account within 14 days. Live2air may not be available on all flights. Payment with Virgin Flyer or Virgin High Flyer or No Annual Fee Credit Card required. Discount will appear on your credit card statement. This offer may be withdrawn at any time. For full terms and conditions go to Virgin Australia.

11. International Travel Insurance, Extended Warranty Insurance, Interstate Flight Inconvenience Insurance and Purchase Cover Insurance are provided automatically to Virgin High Flyer cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to terms and conditions and exclusions. An excess applies to Purchase Cover Insurance. Transit Accident Insurance and Guaranteed Pricing Scheme are provided automatically to Virgin High Flyer and Virgin Flyer cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to terms and conditions and exclusions. Please see here for details.

13. A valid Visa Platinum card must be used to make a purchase. Offers are subject to terms and conditions of the participating merchants providing the offers. Participating merchants are solely responsible for offer redemption and fulfilment, Visa does not provide any of the goods and services relating to the offers, nor make any representations or warranties in respect of the offers or such goods and services. Visa may modify or remove any of the merchants and/or their offers at any time without prior notice. Information about the offers is correct at the time of publication. You may wish to check with the participating merchant immediately before utilising an offer.

14. Withdrawal limits, fees and charges may apply.

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