Virgin Credit Cards
Make more of your money
Any questions?
We're here to help, so just give us a call.
13 37 39
Existing customers
FAQs for existing credit card holders.
Virgin High Flyer Credit Card
1.9%p.a. for 6 months6 on balance transfers
Points that will take you places
With the Virgin High Flyer Credit Card you’ll earn uncapped 1.25 Velocity Points on every dollar spent.
Buy a Virgin Australia domestic seat and we’ll give you a complimentary seat8 on the same flight up to 4 times every year! Just cover the credit card booking fees. Flights subject to availability, conditions apply.
Plus all the great benefits below:
Welcome aboard
To help you make the most of your new card we’ll send you a welcome pack along side your card which has all the information you’ll need. And of course if there’s ever any questions we’re always on the end of the phone on 13 37 39.
Get the balance right
Transfer the balance of your credit cards, store cards, and personal loans onto your Virgin High Flyer Credit Card. Your money becomes a lot easier to manage with only one account to look out for and it could also save you on interest charges.
If you haven’t already arranged a balance transfer, give us a call anytime on 13 37 39.
Complimentary International Travel Insurance
When you travel, take total peace of mind with you. Simply pay for your overseas flights with your card and you’ll receive international travel insurance11 for you, your spouse and any dependent children including medical expenses for illness or injury, lost or stolen luggage, legal liability and more.
Interstate Flight Inconvenience Insurance
Simply pay for the Interstate flights with your Virgin High Flyer card and you’ll receive Interstate Flight Inconvenience Insurance11 for you, your spouse and any dependent children covering flight delays, missed connections, Loss of or damage to business items/personal items, rental vehicle excess and more. This includes interstate flights purchased which are part of your 4 complimentary flights per year.
Guaranteed Pricing Scheme
If you make a purchase with your Flyer or High Flyer card and then see the same product advertised at a lower price within 25kms, you can claim the difference within 60 days if the price difference is greater than $75 and the product hasn’t been purchased online.
Complimentary Extended Warranty Insurance
Receive up to 12 months extended warranty11 (in addition to the manufacturer’s expressed Australian warranty) on personal goods purchased with your High Flyer Credit Card.
Complimentary Purchase Cover Insurance
Provides you with three months of free insurance11 against loss, theft, or accidental damage over a wide range of new personal goods purchased anywhere in the world using your High Flyer Credit Card.
Transit Accident Insurance
This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in the Complimentary Insurance Terms and Conditions.
50% off Virgin Australia in-flight entertainment
Also if you like to be entertained whilst flying, you'll enjoy the 50% off the standard price of Virgin Australia's in-flight entertainment service, live2air. Watch 24 live streamed FOXTEL/AUSTAR channels or choose from 8 recent release pay-per-view movies on your own personal seat back screen. Just swipe your Virgin Credit Card to pay for live2air and we'll apply a 50% discount when your statement is issued9.
Virgin family benefits
Get exciting offers on other great Virgin products. Check out My Virgin Money for details.
Share the love
Why not nominate an additional cardholder on your Virgin High Flyer Credit Card to earn even more Points? That person must be over the age of 16 and the additional card will be linked to the same account4, so you’ll also share the same credit limit. Your additional cardholder will be issued with their own Virgin High Flyer Credit Card, and any transactions made using these cards will be separately itemised on your card statement, making it easy to manage your finances. To set up additional cardholders, call 13 37 39.
Your very own personal assistant
Take advantage of round-the-clock access to the Visa Platinum Concierge Service13. They can arrange your flight to LA, recommend a restaurant in Hong Kong, have tickets arranged for the opera in Paris, or simply find you a reliable dry cleaner away from home. Whatever it may be, they’ve got you covered. It’s the next best thing to having your very own personal assistant and all it takes is a phone call or a mouse click, anytime, anywhere in the world. For details, visit visaplatinum.com.au or call 1800 639 607.
Visa Front Line Access
Imagine having first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment. Visa Front Line Access13 enables you to reserve tickets to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go onsale to the general public. So you are always guaranteed seats for you and your friends. Register for free at visaplatinum.com.au
Airport SpeedPass
The Airport Meet & Assist service from Visa takes all the tricky bits out of travelling – and makes your trip through check-in, security and immigration a breeze. You’ll be fast-tracked through an international airport when you get off a plane, which is a fantastic experience if you’re short of time or visiting a new airport. Charges apply to use this service and it’s only available at international airports. For more information or to make a reservation, call the 24-hour EXTRA hotline on +65 6879 2118, e-mail visabookings@goextra.com or simply call Visa Platinum Concierge on 1800 639 607.
Boost your Points earning everyday, everywhere
To get where you want to go even faster, why not use your card on everyday shopping like the groceries and petrol? And don’t worry if you’re overseas, your Visa card’s accepted at over 29 million locations around the world, so earning Points in Paris or Sydney is just as easy.
Cash when you need it
With your ATM PIN you can use your Virgin High Flyer Credit Card to withdraw cash from over 23,000 ATMs in Australia, and over 820,000 ATMs around the world. Look out for the Visa or Plus symbols14.
The truth about rates and fees and nothing but the truth
For starters, we'll show you how to avoid many of them
As well as our competitive annual fee of $249, there are additional fees you need to be aware of. The good news is, most of these can be avoided. We'll show you how.
Be one step ahead and pay less interest
The sooner you can pay off your account's balance, the less you pay in the long run. That means you can use your money for something better than interest. And thankfully our rates are really competitive.
Here are the rates you'll pay for your Virgin High Flyer Credit Card.
| Annual Fee | $249 |
| Balance Transfer Rate |
1.9%p.a. for the first 6 months6 on balance transfers, reverting to the cash advance rate after 6 months |
| Purchase Rate | 20.99% p.a. |
| Cash Advance Rate | 20.99% p.a. |
| Additional Cardholder Fee | $89 |
Get to know the fees you can avoid
Unfortunately there are always some charges you'll need to pay as some fees can't be avoided. The good news is that most can, so here's a few suggestions to help you avoid them.
Fees you can't avoid:
-
Annual fees and additional card fees are something you have to pay. You'll pay your annual fee when your card is approved and on each anniversary. If you have additional cardholders, we'll charge you the annual additional cardholder fee once the card is issued, and after that we'll charge it in conjunction with your annual fee.
-
Cash Advance Fee – (in Australia)
If you don't need to get a cash advance then you won't be charged a fee
If for any reason you need to, it'll cost $2.70 per transaction, on a cash advance less than $100. On amounts $100 and over, you'll pay 2.7% of the transaction amount. -
Cash Advance Fee – (International)
It will cost you $5 to withdraw up to $1,000 a day
You can withdraw up to $1,000 (which is subject to your Available Credit) cash per day from your Virgin High Flyer Credit Card, costing you $5.00 per transaction. To access your account, all you need is your ATM PIN. If you don't know it, or haven't been issued with one simply give us a call us on 13 37 39 and we'll send it out to you in no time at all. -
Foreign Currency Exchange Fee - Visa
A fee to keep in mind
It's a cost of 3.3% of the transaction amount. When you use your card overseas, you're charged a foreign currency exchange fee on all retail purchases and cash transactions that are converted into Australian dollars. For your convenience when you receive your statement, you'll see overseas transactions converted to the Australian dollar value, including the fees as one single transaction.
Fees you can avoid:
-
Dishonour Fee - $15
Make sure there's enough funds, so you're not hit with a dishonour fee
Keep an eye on your accounts before scheduled automatic payments or cheques are drawn.Otherwise you'll be charged a $15 dishonour fee each time a cheque or Direct Debit payment is dishonoured. The fee will be debited to your account at the time, and interest will be charged on any outstanding amounts.
-
Late Payment Fee - $10 if your Payment Due isn't paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due is made.
An easy one to avoid by ensuring that you pay your minimum monthly payment on or before the due date.
Any time your minimum payment due is not received by the due date, you'll be charged a late fee of $10 per week until payment is received.
To make things easy to manage there are lots of ways to pay your card account including BPAY®, telephone or online banking, cheque or by setting up Direct Debit payments.
One way of ensuring your monthly payment arrives on time is to automatically pay your monthly credit card bill from your nominated bank account. For more information download the form.
-
Overlimit Fee - $40
Keep track of your spending and your account balance, to avoid an overlimit fee.
If your account balance ever exceeds your credit limit, you'll be charged an overlimit fee of $40 per statement period. To find out your current balance log in to Virgin Money Online.
You can also call in and ask us to not process the transactions which could take you over your credit limit and result in an over limit fee being charged. Please note that if you ask us to reject transactions that take you over your credit limit, there are a few exceptions that we can't reject such as: transactions that are processed manually (for example where a merchant does not use an electronic device) or for some recurring instructions set up on your Account. With these transactions, you will still be liable for the full transaction amount and associated interest charges.
-
Over-the-Counter Transaction Fee (Australia Post) $2 per transaction
A transaction fee you'll never have to pay again
If you make a payment to your Virgin High Flyer Credit Card at any one of the 3,000 Australia Post outlets nationwide you will incur a $2 fee. So why not pay your card through other methods like, BPAY®, telephone or online banking, mail or by setting up Direct Debit payments.For more information, please read the Payment Options on your monthly statement or click here.
-
Information Request and Statement Copies $7 each
Why not avoid the fee by accessing your statements online, anytime. It'll save you money and the planet
We send you a monthly statement or email you a reminder to view your statement online if you've used your card or maintained a balance during the previous month. But if you require another copy posted to you, you'll need to pay $7 per statement. It's so easy to avoid this fee, simply log on to your account at my.virginmoney.com.au, where you can view and download your statements at no charge.
Security, at a glance
A card that comes alarmed and ready
With a Virgin High Flyer Credit Card you can be 100% assured that we're on the case
to keep your card safe, around the clock.
You'll be protected with:
- Fraudshield® our irregular transaction detection system
- Visa's Zero Liability policy5
- Advanced online security
- No fuss, quick replacement for lost or stolen cards
- Assistance when you need it, 24/7
- State of the art secure chip technology.
Important informationSee 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 14 May 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 Low Rate Credit Card, 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'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. Please consult your issuer for additional details.
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, Virgin High Flyer and 21.69% p.a. for the Virgin Low Rate Credit card. 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 12.99% for the Virgin Low Rate credit card, 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 14 May 2012. This offer is valid from 14 May and ends 30 June 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 Low Rate, 12 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 on the Virgin credit card 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, Virgin High Flyer and 21.69% p.a. for the Virgin Low Rate Credit card. 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 12.99% p.a. on Low Rate, 18.99% p.a. on No Annual Fee and 20.99% p.a. on the Flyer and High Flyer credit cards. Interest rates are variable, subject to change and our credit criteria. This offer ends 30 June 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. 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.
12. Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au 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.
Please note that to read our PDF forms you will need to have Adobe Reader installed on your computer.
