If you can't get online or would prefer our telephone service just give us a call on 13 37 39, have your Telephone PIN (TPIN) handy and just follow the prompts to set up your access.

It's quick and easy and from then on your account is only a phone call away. If you forgot your Telephone PIN or would like a new one issued, just give us a call on 13 37 39 and one of our customer care team members will get this sorted for you.

If you need some help setting up your Virgin Money Online account, why not watch our demo.

Here's how to get started with Virgin Money Online:

What you'll need to register

• Internet Access Number
• Internet PIN (IPIN)
• Telephone PIN (TPIN)
• Credit Card Number.

When your card is approved, and if you're not already registered online we'll automatically post a Telephone PIN, Internet Access Number and Internet PIN to you. For security reasons, we’ll send these letters to your residential address as we cannot send to a P.O. Box. All other mail and communications will be sent to you electronically to the e-mail address you provided. Please allow up to 10 business days from when your account was opened for these to arrive and please give us a call if any of them don’t show up and we’ll get it sorted for you.

When you've received all of the above, you're only two steps from your online access.
 

Step 1 - Activate your Internet Access Number

• call 13 37 39
• enter your Internet Access Number
• enter your 4 digit TPIN
• enter your date of birth as 6 digits (For example, 26 June 1977 would be 260677).

Step 2 - Create your User ID and Password for Virgin Money Online

• have your Internet PIN, Internet Access Number and Credit Card Account number handy
• type my.virginmoney.com.au into your internet browser
• on the Sign In page, select the 'First time here' button in the Log in section on the right
• enter your:
  • 16-digit Internet Access Number
  • 4-digit Internet PIN
  • Credit Card number, as your Account number.

You’ll then be guided to create your own User ID, Password and three security questions. Once these are created, you’ll be able to check your account whenever you want, wherever you are!

The next time you log in you’ll only need your User ID and Password, and to answer 1 of your 3 security questions.
You can also view all of the above steps in our online demo, here.

• It’s a good idea to keep a copy of your IAN and IPIN somewhere safe as you’ll need these if you need to reset your User ID or Password.

• If you've forgotten your User ID, you can get confirmation of your Virgin Money Online User ID from the my.virginmoney.com.au home page. Just select the “Forgot your User ID?” link on the login page on my.virginmoney.com.au and enter your Internet Access Number and your Internet PIN, your user ID will be displayed straight away.

• If you’ve forgotten your Password, you can reset your Password online by selecting the “Forgot your Password?” link on the login page on my.virginmoney.com.au. You’ll need to enter your User ID, Internet Access Number, Internet PIN and Account number and you will then be able to choose a new password.

If you need any help, give our Customer Care Team a call on 13 37 39 or +61 2 8288 2222 if calling from overseas, they're available 24/7.

To help you create a secure password for your Virgin Money Online Account we’ve given you a few simple rules and tips to follow for your added security.

Your password:

• must be at least eight characters long with a maximum of 16 characters
• must have at least one number and one letter
• can’t have three of the same characters in a row, e.g. aaa or 333
• can’t have three consecutive characters, e.g. 123, def
• can’t be the same as your User ID
• should use special characters, e.g. $, +,?. It’ll make it even more secure
• can’t be the same as your previous passwords.

To create a high-level security password, we recommend you:

• don’t create a password that’s easy to guess. Avoid using your name, date of birth, email address etc
• do create a password that only you can easily remember but will be meaningless to anyone else. Choose a phrase or a combination of words that makes the password easier to remember, e.g. cmp/w@le30ds = change my password at least every 30 days
• do create a password longer than the minimum required. It’s safer to use 12 characters instead of the minimum 8
• don’t use single words that can be found in a dictionary
• never share your password or write it down – commit it to memory.

Virgin Money Online – security tips

Before you sign in

• Protect your computer and information with some easy-to-use tools such as firewall programs, email filters, anti-virus software and spyware filters
• Review your statements as soon as you get them and let us know right away if you notice anything suspicious or unexpected
• Always sign in by typing my.virginmoney.com.au into your browser.

While you're signed in

• We'll never send you emails containing links. It's important you never click on any links to Virgin Money Online from an email
• Before you submit any information through a website, look for the "padlock" icon on your browser's status bar, or check that the website address starts with https:// and not just http://. This means your information is in a secured session
• If you notice a discrepancy in the date or time of your last sign in, let us know immediately. Give us a call on 13 37 39, or +612 8288 2222 if you're outside Australia. (Your sign in information is at the top of the after you sign in.)
• Misspelled words either in the email message or within the website may signal a potential scam
• Always exit Virgin Money Online by clicking on the Sign Off option, don't just close your browser
• Report all suspicious emails by forwarding them as an attachment to privacy@virginmoney.com.au, so we can investigate further and take action
• If you suspect your account has been compromised in any way, call us immediately on 13 37 39, or +612 8288 2222 if you're outside Australia.

We'll never send you emails asking you to verify your personal or account information. If you receive any emails asking for your details, don't reply to them. And let us know by calling 13 37 39, or +612 8288 2222 if you're outside Australia.

Don't take any chances - report any email that asks you to:

• give your ATM PIN or account details
• call a phone number and verify your card or account details (Always call 13 37 39, or +612 8288 2222 if you're outside Australia)
• sign in or apply for a product using a link in the email.

Here are a few things you need to think of!

Cancelling regular payments from your current card account:

1. Cancelling regular payments^a where you have provided a third party with your 16-digit credit card number: you need to contact the third party directly and tell them when you want to cancel your regular payment or when your account details change, including a change in card number and/or change of card expiry date. Until you notify the third party, your bank is required to continue to process transactions from them.
   
   We’ve attached a useful link to create a change in account details letter. It’s a good idea to keep a copy of any cancellations or changes in account details. This will help if the third party doesn’t complete your request quickly or if you decide to dispute^b any incorrect payments. Don't forget you need to contact the third party directly.
   
    
2. Cancelling regular payments where you have instructed your current financial institution to transfer money out of your current card account on a regular basis: Don’t forget to check for any future dated payments you may have set up within your current online banking system - such as BPAY payments to merchants. Once you have set up your new Virgin Money Online account, you will need to set these up within your online card account so they will be paid by your new Virgin card number.
   
   It’s also good to keep a record of all regular payment arrangements you’ve put in place. A template for recording your regular payment arrangements is available from the Australian Payments Clearing Association website www.apca.com.au.

Arranging regular BPAY payments to transfer money out of your Virgin card account on a regular basis: To setup regular transfers from your Card account via Virgin Money Online, log in to Virgin Money Online and select ‘My payments and transfers’ then select ‘Add a new payee’ and then follow the prompts and advise the Biller name and BPAY number.

a. Regular payments can be either a recurring payment or an instalment payment. A regular payment represents an agreement between you (the cardholder) and a Merchant in which you preauthorise the Merchant to bill your card account at predetermined intervals (e.g. monthly or quarterly) or at intervals as agreed by you. The amount may differ or be the same for each transaction.

There are many benefits for cardholders who set up regular payments, including:
1) Ensures timely payment to the Merchant;
2) Saves you time as the payment is processed automatically; and
3) Saves you money as you do not have to pay for cheques, money transfers or postage nor will you be liable for late fees.

b. Customer’s right to dispute: Any issues with your regular payments, including failure of the Merchant to act on a change details advice, should be taken up directly with your Merchant first. If you require further assistance to resolve an issue between you and a Merchant, please give us a call on 13 37 39. We’re here to help.

If your credit card is lost or stolen, please call us immediately on 13 37 39, or +612 8288 2222 if you're outside of Australia. We're here 24/7, and we'll block your lost or stolen card straight away, and then send you a new card which should arrive within 5 working days.

When you call, as well as blocking your card, we'll ask you about your recent spending, so we can fully investigate any unrecognised transactions that have been made with your card.

For more information about liability for card transactions see your account Terms & Conditions.

Only if your card is lost or stolen and it's an emergency, in most cases, we can cancel and replace it within 48 hours in almost any location, free of charge. If you're overseas you can report your card missing at any bank or financial institution displaying a VISA sign.

If you've asked for Online Statements, you’ll need to set up your online account as eStatements are only available within Virgin Money Online. We'll email you each month to let you know when your statement is ready to view online. Your statement will include all the information you need to know for the last month of activity, such as your account balance and the minimum amount due. You can view statements for the past 12 months in your online account.

If you've asked for paper Statements, you can always switch to online statements in your online account by clicking on ‘How I get my Statements delivered’.

• For details on how to read your statement, you can click here for Flyer Cards or here for your No Annual Fee Card.

It's really important to keep us up to date with your contact details, especially your email address as this is where we'll send your statement notifications if you opted for electronic statements and also any other important information relating to your accounts.

The good news is it's easy to do. Log into Virgin Money Online using your User ID and Password, head to the 'My Home' tab and choose the 'change my contact details' option, on top of your account summary or just give our Customer Care Team a call on 13 37 39, they’re available 24/7.

If you need to change your name, simply complete the Name Change Form, and supply us with some evidence such as a photocopy of your marriage certificate, divorce paper or deed poll.

With your Virgin Credit Card you can have up to 4 Additional Cardholders linked to your account. It’s a convenient way of making sure your family share the benefits of the Virgin Credit Card.

We give Additional Cardholders their own card, any transactions made using these cards will be listed separately on your card statement, so you can easily keep track of who’s spending what. It’s important to know that Additional Cardholders must be aged over 16 and the primary cardholder is responsible for each additional cardholders’ transactions.

Annual fees for any additional cardholder are:

• For the ‘Virgin No Annual Fee Credit Card’: no Annual Fee - ever.
• For the ‘Virgin Flyer Credit Card’: $39.
• For the ‘Virgin High Flyer Credit Card’: $89.

To request additional cards on your account, you can either:

• Log in to Virgin Money Online at my.virginmoney.com.au, head to My Offers and choose the Add Additional Cardholder option
• Call us on 13 37 39
• Fill in the application form for additional cardholders and pop it in the post or fax it back to us.

You could save on interest
Make life easier and save on interest: Transfer the balance of your non-Virgin Money credit cards, store cards or lines of credit onto your Virgin Credit Card and only have one account to manage. It could mean big savings, by potentially reducing the interest you’re charged on your existing credit balance. It’s also easier to manage your debt when it’s all in one place.

New customers
When you apply for a new Virgin Credit Card, you can also apply for a Balance Transfer.

To do so, you’ll need to give us key details of that account, including the:

• name the account is held in
• type of card or account
• card or account number
• amount to be transferred
• issuing organisation’s name and address.

It’s important to know that any special balance transfer offers are only available for 30 days after your card is approved. So it’s best to request a balance transfer when you complete your application or soon after your card has been approved.

Existing cardholders
If you didn't request a Balance Transfer when you applied for your card, you can still apply by giving us a call on 13 37 39. Any special offer rates are available for 30 days after your card is approved. If you’d like to request a balance transfer after that time please give us a call on 13 37 39 to see what rates we can offer you.

Once you’ve transferred your balance, be sure to close your old credit cards, store cards or lines of credit, as it won’t happen automatically.

Here’s some more information that may help you on Balance Transfers.

• Each Balance Transfer must be a minimum of $500. The maximum you can transfer is your credit limit or the remaining available credit the day the balance transfer is finalised.
• A Balance Transfer isn’t additional credit. Just like normal spending on your account, it reduces your available credit.
• Balance transfer requests can take up to 10 working days.

You should allow additional time for any cheques to be received at the other financial institution. You can monitor your account online and check if the transaction appears on your account. If it doesn’t by the time we’ve indicated, you might want to give the other financial institution a call prior to contacting us.

• It’s important that you activate your card as we can’t process any Balance Transfers requests until it’s activated.
• If you have more than one Balance transfer, all or some at different rates, your payments will be applied to the balance transfer with the lowest Interest Rate first.
• Your repayments are applied to Balance Transfers before retail purchases.
• Balance Transfers don’t earn you Velocity Points.

Our Virgin No Annual Fee Credit Card has a minimum Credit Limit available of $2,000 and maximum of $10,000.

Our Virgin Flyer Credit Card and Virgin High Flyer Credit Card both have a minimum Credit Limit of $6,000 and a maximum of $100,000 (the maximum you can request at application is $30,000)

How to increase your Credit Limit?
After having your Virgin Credit Card for 9 months, you'll be able to request an increase in your Credit Limit.

An increase in your Credit Limit will be approved subject to Virgin Money's lending criteria and will depend on the assessment of your current financial situation and verification of particular details. Please allow 7 to 10 working days for us to assess your credit limit application.

It's important to remember that:

• A minimum of 9 months from your Account open date and 6 months from your last limit increase is required before an increase can be considered
• Currently, the maximum increase at any one time is 50% of your existing Credit Limit
• Credit Limits cannot be increased by more than the product maximum
• The Virgin No Annual Fee Credit Card has a maximum Credit Limit of $10,000
• The Virgin Flyer Credit Card and Virgin High Flyer Credit Card both have a maximum Credit Limit of $100,000 (the maximum you can request at application is $30,000).

Also, on occasion we may offer you a credit limit increase if you are eligible for one. This will still be dependent on the assessment of your current financial situation.

How to decrease your Credit Limit?
To decrease your Credit Limit is easy, just give us a call and follow the prompts or write to us. It's important to remember that the Credit Limit can't be lower than the product minimum or lower than your current balance:

• The Virgin No Annual Fee Credit Card has a minimum Credit Limit of $2,000
• The Virgin Flyer Credit Card and Virgin High Flyer Credit Card both have a minimum Credit Limit of $6,000.

If you decrease your credit limit and request your previous limit to be re instated at a later time you may be required to complete a new application and will be subject to our lending criteria at that time.

How to upgrade your Credit Card?
Once you've had your current Virgin Money credit card for 6 months, you can apply for a Card upgrade by logging into your Virgin Money Online account or by calling us on 13 37 39. If you'd like to upgrade from a Virgin Flyer Card to a Virgin High Flyer Card, you can request an upgrade at any time as long as your credit limit remains the same, just give our Customer Care Team a call on 13 37 39.

Your new card will be sent to you 7 to 14 days after your upgrade has been approved. During this time, you can continue to use your old card for purchases, which will continue to work until your new card is activated. Once your new card has been activated, you should destroy your previous card.

Any additional card holders will also receive a new card, account number and ATM PIN.
The annual fee applicable to your card is pro-rated for the primary card and any additional cards. You'll see on your next statement the charge of the pro-rated annual fee for your new card and for any additional card.

• You should contact any merchants you're automatically paying with your current card and advise them of your new card number.

How to downgrade your Credit Card?
You can call us on 13 37 39 anytime to request a downgrade.

Once the downgrade request has been processed, you and any additional cardholder will receive your new card within 7 to 14 days. Your current annual fee will be pro-rated for the period you have held your current card and you'll be charged a pro-rated annual fee for your new card (if there is one applicable). This may result in a refund.

If you're downgrading to our No Annual Fee card, it's important to know that your current credit limit may be lowered to bring it in line with the maximum credit limit allowable for your new card.

• You should contact any merchants you're automatically paying with your current card and advise them of your new card number.

Cancelling regular payments^a where you have provided a third party with your 16-digit Virgin credit card number: you need to contact the third party directly and tell them when you want to cancel your regular payment or when your account details change, including a change in card number and/or change of card expiry date. Until you notify the third party, your bank is required to continue to process transactions from them.

We’ve attached a useful link to create a change in account details letter. It’s a good idea to keep a copy of any cancellations or changes in account details. This will help if the third party doesn’t complete your request quickly or if you decide to dispute^b any incorrect payments. Don't forget you need to contact the third party directly.

Cancelling regular payments where you have instructed Virgin Money to transfer money out of your Virgin card account on regular basis: If you have setup regular BPAY payments from your card account via Virgin Money Online, you can cancel these payments by logging into Virgin Money Online at my.virginmoney.com.au and selecting ‘My payments and transfers’, then selecting ‘List of Scheduled Payment / Transfer’. You can then cancel any future dated scheduled payments.

a. Regular payments can be either a recurring payment or an instalment payment. A regular payment represents an agreement between you (the cardholder) and a Merchant in which you preauthorise the Merchant to bill your card account at predetermined intervals (e.g. monthly or quarterly) or at intervals as agreed by you. The amount may differ or be the same for each transaction.

There are many benefits for cardholders who set up regular payments, including:

1) Ensures timely payment to the Merchant;
2) Saves you time as the payment is processed automatically; and
3) Saves you money as you do not have to pay for cheques, money transfers or postage nor will you be liable for late fees.

b. Customer’s right to dispute: Any issues with your regular payments, including failure of the Merchant to act on a change details advice, should be taken up directly with your Merchant first. If you require further assistance to resolve an issue between you and a Merchant, please give us a call on 13 37 39. We’re here to help.

For being a Virgin Credit Card customer you'll have access to some great family offers from our cousins within the Virgin Group.

• Great online deals from Virgin Mobile: click here.
• 25% off Virgin Active activation fee: click here.
• 5% discount on Virgin Atlantic: click here.

For more information on these offers visit My Virgin Money.

With our Flyer cards, you can really save when you buy a Virgin Australia domestic seat and we’ll give you a complimentary seat on the same flight up to 4 times every year!
It’s available for Saver, Flexi, and Premium economy fare classes (excluding sale fares).

Here’s how it works:
Within 10 days of your Virgin Flyer or High Flyer card being approved, your Velocity Frequent Flyer account will be updated to show your ‘4 complimentary domestic flights’ redemption activity. You can find this in the ‘My Benefits’ section and then look ‘Virgin Credit Card’ and click on the details button. As soon as your Velocity account has been updated, you can call Virgin Australia to book your flights.

It’s important to know that the flights for this offer cannot be booked on the internet and the primary cardholder must always be one of the guests travelling. Flights for this offer can only be booked by the primary cardholder.

Seat availability and fare prices advertised on the Virgin Australia website are not indicative of the seats and fare prices available for this offer.
Seat availability and fare prices available as part of this offer are managed separately by the Virgin Australia Guest Contact Centre. The Virgin Australia Guest Contact Centre will be happy to consider other dates you may wish to travel as some dates are more restricted than others.

Your bookings must be made a minimum of 21 days in advance of travel so when you’re ready to book your flights, give our friends at the Virgin Australia Guest Contact Centre a call on 13 67 89 and have your Virgin Flyer Credit Card and Velocity Rewards Membership Number handy and quote promotion code '2FOR1CC1'.

Both Virgin Australia Guests must be booked to travel together at all times in order to be eligible for the offer. This means that the Itinerary cannot be split, and all flight changes must be made for both Guests.

The free seat is worked out by giving you a 50% discount off the total fare (taxes included) and standard credit card fees apply, the amount will be advised to you at the time of making the booking and you must use your Flyer or High Flyer Credit Card to pay for the tickets.

The offer is for up to 4 flight segments per year and a segment is defined as a non-stop flight. So if your flight has a pit stop on the way to your destination, that is classified as two flight segments (e.g. a flight from Brisbane to Melbourne, with a Sydney stopover will be considered as 2 flight segments, Brisbane →Sydney then Sydney →Melbourne).

For the full Terms and Conditions relating to this offer, click here. And if you still got questions, you can also check out our Rewards FAQ’s.

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 Access 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 on sale to the general public.

As Virgin High Flyer or Flyer Credit Cardholder, you can benefit of those advantages just by making the purchase with your card. Offers are subject to terms and conditions of the participating merchants providing the offers.

Visit visaplatinum.com.au for more details on offers and terms and conditions.

Guaranteed pricing scheme is a benefit available to Virgin High Flyer cardholders and Virgin Flyer cardholders when personal goods are purchased by a cardholder anywhere in Australia (excluding internet sales), and the entire cost is charged to the cardholder’s Virgin High Flyer credit card account or Virgin Flyer credit card account.

This scheme guarantees the cardholder gets the best price if, within 60 days of the purchase, they advise us that they have, subsequent to their purchase, received a printed catalogue showing the same business item/personal good for a lower price from a store within 25 kilometres of the store from where the personal good was purchased, and the price difference is greater than A$75. Conditions apply.

For full details please read the Terms and Conditions here.

Transit Accident Insurance is a benefit available to Virgin High Flyer cardholders and Virgin Flyer cardholders and is only available when the total purchase price of a trip has been validly charged to the cardholder’s Virgin High Flyer or Virgin Flyer credit card account while this insurance is in force and before the trip has commenced.

This cover provides certain benefits in the event of accidental death and cover for cardholders who sustain an injury whilst on a trip, while riding as a passenger in, or boarding or alighting a plane, tourist bus, train or ferry.

In the event of an accident that is likely to result in a claim, the Virgin Flyer Credit Cardholder or Virgin High Flyer Credit Cardholder (or their legal representative in the case of accidental death) must contact Zurich Australian Insurance Limited directly on 1800 285 189.

For full details please read the Terms and Conditions here.

International Travel Insurance is a benefit available to all Virgin High Flyer Credit Cardholders and is available on travel outside of Australia where the overseas travel tickets are purchased on the cardholder's Virgin High Flyer Credit Card. Simply pay for your overseas flights with your Virgin High Flyer Credit Card and you'll receive international travel insurance for you, your spouse and any dependent children including medical expenses for illness or injury, lost or stolen luggage, legal liability and more.

In the event of a claim, the Virgin High Flyer Credit Cardholder must contact Zurich Australian Insurance Limited directly on 1800 285 189. If calling from overseas, a reverse charge call to Australia can be made by calling +61 2 9995 2021.

For full details please read the Terms and Conditions here.

Interstate Flight Inconvenience is a benefit available to all Virgin High Flyer Credit Cardholders and is available on interstate travel where the travel tickets are entirely purchased on the cardholder's Virgin High Flyer Credit Card.

Simply pay for the interstate flights with your Virgin High Flyer Credit Card and you'll receive Flight Inconvenience Insurance 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.

In the event of a claim, the Virgin High Flyer Credit Cardholder must contact Zurich Australian Insurance Limited directly on 1800 285 189. If calling from overseas, a reverse charge call to Australia can be made by calling +61 2 9995 2021.

For full details please read the Terms and Conditions here.

Purchase Cover Insurance provides you with three months of free insurance 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.

With Extended Warranty Insurance you receive up to 12 months extended warranty (in addition to the manufacturer's expressed Australian warranty) on personal goods purchased with your Virgin High Flyer Credit Card.

In the event of a claim, the Virgin High Flyer Credit Cardholder must contact Zurich Australian Insurance Limited directly on 1800 285 189. If calling from overseas, a reverse charge call to Australia can be made by calling +61 2 9995 2021.

For full details please read the Terms and Conditions here.

Take advantage of round-the-clock access to the Visa Platinum Concierge Service. 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.

This exclusive Visa Platinum 24/7 concierge service is supplied by a third party supplier. Visit visaplatinum.com.au and select the ‘Concierge’ tab for details.

At Virgin Money we like to give you a choice of how you can make your repayments, which are either via a Funds Transfer (from another bank account), by Direct Debit Auto Pay, Cheque, via Bank@Post at an Australia Post office or via BPAY from any other suitable bank account that you have.

Direct Debit Auto Pay
Take the hassle out of making your repayments by setting up a Direct Debit. With Direct Debit Auto Pay your repayments will be automatically deducted each month from the bank account of your choice so you'll never have to worry about them.

To set this up:
To set this up log in to Virgin Money Online, head to ‘My Accounts’ then ‘Manage my Account’ and ‘Manage my Payment Options’. Click on the link to download the ‘Direct Debit Auto Pay application form’ and fax it back to us on 1300 634 315 or pop it in the post to:

Virgin Money
Reply Paid PO Box 40
Sydney NSW 2001

It's important to know that if you make any manual payments between due dates, then the Direct Debit will only draw the difference between the amount of the manual payments and the Direct Debit amount.

Via BPAY®
If you're registered for internet and/or phone banking with the financial institution that holds the account you want to pay from, you can use BPAY® to make your repayments. Just follow the prompts and enter our Biller Code 49551 followed by your 16-digit Virgin Money Card number as your Customer Reference number.

By posting us a Cheque
You can post us your payment by enclosing your completed Payment Slip provided with your monthly statement and mail with your cheque (no notes or coins please) to the following address:

Virgin Money
GPO Box 20022
Melbourne VIC 3001

Please make your cheques payable to your Virgin Money Account number and specify your account type e.g. “Virgin Flyer Credit Card - Account number”. So we can process it as quickly as possible for you it would be good if you write the actual Account number on the back of your cheque. Cheques payable to the Account holder may also be accepted (e.g. dividend cheque, Medicare refund, etc) but cheques payable to a third party will not be accepted.

Again, a friendly reminder to please write your account number on the back of all cheques.

At Australia Post
You can make your payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS and they'll be processed immediately. It's important to remember to take your Payment Slip and your Credit Card with you for a faster transaction. For payments made at any other Australia Post using cash or EFTPOS, please allow 48 hours for the payment to reach your Account. When paying by cheque at any Australia Post office, please allow 7 business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.

It’s important to know that not all billers accept bill payments via credit card via BPAY. As a general rule if a biller charges a surcharge for credit card payments, then BPAY is not allowed. You can check if your biller accepts credit card payments via BPAY at bpay.com.au. Find your biller then check what payment methods they accept.

If your biller does accept credit card BPAY payments, then log into your Virgin Money Online account and head to the Payments and Transfers section.

To pay your bill, expand the Local Merchant Payee link and select ‘Ad-Hoc Bill Payment’ on the left side and your credit card account on the right side of the screen. In the new window at the bottom, just enter all the requested information as detailed in your bill and confirm the transaction.

If you have billers you’d like to pay off regularly via BPAY with your credit card, you can add the biller to your biller list as follow:

Select ‘Add a New Payee’, then select ‘A bill’ as the payee type. Next click on ‘To enter a new payee’. A pop up screen will appear in which you can enter the biller code or name. You must click on the search symbol next to where you entered the biller code or name. Your new biller will then be auto populated.

Enter your customer reference number, select ‘next’ and confirm your biller details are correct.

Once your biller has been set up you only need to go to the ‘Payments and Transfers section, select the card account you want to transfer from and the biller you want to transfer money to under the Local Merchant Payee link and follow the prompts to complete the amount and date of the payment.

If you have one of our Flyer cards, paying your bills with your credit card is also a great way to earn extra Velocity points!

Your ‘Minimum Monthly Payment Due’ (rounded up to the nearest dollar) is either:

• your Card Balance if it's less than $30
• the greater of $30 or 2.00% of the Card Balance if it’s over $30
• If you've been charged a Late Payment Fee, $10 Late Payment Fee, the sum of 1.00% of the Card Balance and any interest charged for that month, plus any Monthly Instalment amount.

You'll see the date your payment is due on your Credit Card statement in the top right hand corner.

Here's how your payments may be applied to your Virgin Credit Card Account.

1. Any expenses incurred enforcing the Credit Card & Rewards Terms & Conditions
2. Interest Charges
3. Any Late Payment Fees
4. Balance Transfers and Special Promotions
5. Retail Purchases that have already appeared on the statement of Account
6. Cash Advances that have already appeared on the statement of Account
7. All other Fees and Charges
8. Balance Transfers that have not yet appeared on a statement of Account
9. Retail Purchases that have not yet appeared on a statement of Account and Cash Advances that have not yet appeared on a statement of Account.

Please keep in mind that if you’ve made a Balance Transfer on your Card account, your card repayments are applied to Balance Transfers before your Retail Purchases as noted above.

 

You'll enjoy up to 44 interest-free days on all purchases, providing you repay the full balance on your Card each month.

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 interest-free days do 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 Withdrawals, Balance Transfers or Bank Cheques. These transactions will incur interest from the date the transaction is made (regardless of whether the Account is repaid in full each month).

Looking at your Velocity Points balance
As a Velocity Member, the Velocity Points³ you earn on your Virgin Flyer Credit Card or Virgin High Flyer Credit Card through day to day spending will be sent to your Velocity Frequent Flyer Account at the end of each statement period. If you’d like to find out how many Velocity Points you’ve earned for that month, you can either:

• Log into Virgin Money Online at my.virginmoney.com.au, clicking on 'My Rewards' in the Account Services block on the right and then heading to your ‘Redemption Summary’
• View your Velocity Account at virginaustralia.com/velocity by logging in with your Velocity Membership Number
• Velocity points transferred from your card account will show in your Velocity account 2 business days after the transfer date.
   

Adding or changing your Velocity Membership Number
If you need to let us know of your Velocity Membership Number, just sign into your Virgin Money Online Account and head to the rewards section and click on ‘Modify details’.

If you need to make a change to your Velocity Membership details, you'll need to go to the Velocity Frequent Flyer website at virginaustralia.com/velocity and log into your Velocity Account with your Velocity Membership Number or give them a call on 13 18 75.
If you haven't joined Velocity, don't worry it's not too late. Head to virginaustralia.com/velocity fill in the application form, then either log into your Virgin Money Online account or call us to let us know your new Velocity Membership Number.

Redeeming your Velocity Points
The Velocity Points you earn could be used to fly to over 400 destinations worldwide with Velocity's domestic and international Airline Partners including Virgin Australia, V Australia, Pacific Blue and Polynesian Blue³. For a full list, head to virginaustralia.com/velocity.
If you prefer a spot of shopping then the Velocity Rewards Store is for you. Redeem your Velocity Points for gift vouchers, movie tickets, magazine subscriptions, holidays, iPods, concert tickets and much, much more.

Visit virginaustralia.com/velocity to see what your Velocity Points can get you and how far they could take you.

Velocity Points & expiration dates
For rules around Velocity Points expiry, just visit virginaustralia.com/velocity and head to the FAQs section.

With our Flyer cards, you can really save when you buy a Virgin Australia domestic seat and we’ll give you a complimentary seat on the same flight up to 4 times every year!

It’s available for Saver, Flexi, and Premium economy fare classes (excluding sale fares).

Here’s how it works:
Within 10 days of your Virgin Flyer or High Flyer card being approved, your Velocity Frequent Flyer account will be updated to show your ‘4 complimentary domestic flights’ redemption activity. You can find this in the ‘My Benefits’ section and then look ‘Virgin Credit Card’ and click on the details button. As soon as your Velocity account has been updated, you can call Virgin Australia to book your flights.

It’s important to know that the flights for this offer cannot be booked on the internet and the primary cardholder must always be one of the guests travelling. Flights for this offer can only be booked by the primary cardholder.

Seat availability and fare prices advertised on the Virgin Australia website are not indicative of the seats and fare prices available for this offer.

Seat availability and fare prices available as part of this offer are managed separately by the Virgin Australia Guest Contact Centre. The Virgin Australia Guest Contact Centre will be happy to consider other dates you may wish to travel as some dates are more restricted than others.

Your bookings must be made a minimum of 21 days in advance of travel so when you’re ready to book your flights, give our friends at the Virgin Australia Guest Contact Centre a call on 13 67 89 and have your Virgin Flyer Credit Card and Velocity Rewards Membership Number handy and quote promotion code '2FOR1CC1'.

Both Virgin Australia Guests must be booked to travel together at all times in order to be eligible for the offer. This means that the Itinerary cannot be split, and all flight changes must be made for both Guests.

The free seat is worked out by giving you a 50% discount off the total fare (taxes included) and standard credit card fees apply, the amount will be advised to you at the time of making the booking and you must use your Flyer or High Flyer Credit Card to pay for the tickets.

The offer is for up to 4 flight segments per year and a segment is defined as a non-stop flight. So if your flight has a pit stop on the way to your destination, that is classified as two flight segments (e.g. a flight from Brisbane to Melbourne, with a Sydney stopover will be considered as 2 flight segments, Brisbane →Sydney then Sydney →Melbourne).

For the full Terms and Conditions relating to this offer, click here. And if you still got questions, you can also check out our Rewards FAQ’s.