---
title: "Virgin Australia Velocity Flyer Credit Card — Virgin Money"
description: "Credit & Charge Cards from Virgin Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/virgin-money/products/76126e21-102c-ee11-9966-002248e1dc43
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T03:55:14Z
---

# Virgin Australia Velocity Flyer Credit Card — Virgin Money

> Credit & Charge Cards from Virgin Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Virgin Money Australia**

Go places faster with our award-winning Virgin Australia Velocity Flyer credit card. Turn your everyday spend into flights, accommodation and more. The sky's the limit.

## At a glance

- **Purchase rate:** 20.74%
- **Annual fee:** $149.00

## Apply

Applications are handled by the provider: [Apply at Virgin Money](https://application.virginmoney.com.au/virginmoney-form/virginmoney-card/virginmoney-card-apply?)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer (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.) | 0% | — | Promotional Balance Transfer Period 1–12 months |
| Balance transfer (0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies) | 0% | — | Promotional Balance Transfer Period 1–24 months |
| Purchase (Up to 44 days Interest free on retail purchases) | 20.74% | — | — |
| Cash advance | 20.99% | — | — |
| Balance transfer (Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.) | 20.99% | — | Standard Balance Transfer Period 25+ months |
| Balance transfer (Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.) | 20.99% | — | Promotional Balance Transfer Period 13+ months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Paper Statement Fee — Charged monthly · For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances | Ongoing | $2.00 |
| Overlimit Fee — Fee per statement period when your credit limit is exceeded | Event | $40.00 |
| Late Payment Fee — 1 · Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. | Late payment | $30.00 |
| Domestic Cash Advance above $100 — Domestic cash withdrawals from your credit card. | Cash advance | 2.7% of transaction |
| Domestic Cash Advance below $100 — Domestic cash withdrawals from your credit card. | Cash advance | $2.70 |
| International Cash Advance — International cash withdrawals on your credit card | Cash advance | $5.00 |
| Dishonour Fee — Fee for each time a cheque or Direct Debit payment is dishonoured. | Dishonour | $15.00 |
| Annual Fee — Charged yearly · Annual fee charged on the card. · Discount −$149.00 — $0 annual fee for the first year | Ongoing | $149.00 |
| International Transaction Fee — For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant | Purchase | 3.3% of transaction |
| Over-the-Counter Fee (Bank@Post) | Event | $2.50 |
| Balance Transfer fee — The balance transfer fee is 3% of the balance transferred | Transaction | 3% of transaction |

## Features

- **Balance transfers**
- **Interest-free transfers** — 12 months (0% p.a. for 12 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to cash advance rate.)
- **Interest-free transfers** — 24 months (0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to cash advance rate.)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Instalment plan** (Reward yourself with a lower rate. Apply for an instalment plan that lets you pay off your card balance with certainty and allows you the potential to save on monthly interest that you may otherwise pay. Plus you can still enjoy interest free days on your other purchases made outside the Fixed Payment Option.)
- **Discounts on other products** — Exclusive Flight Benefit (Enjoy an exclusive $129 Virgin Australia Gift Voucher each year. To unlock your benefit, simply make a retail purchase in the 2 months prior to requesting your voucher.)
- **Insurance included** — Purchase Protection Insurance (Cardholders receive 90 days complimentary insurance against loss, theft or accidental damage on covered products purchased anywhere in the world using your Virgin Australia Velocity Flyer or High Flyer Card up to specified amounts)
- **Earn 1 extra Velocity Point for every $1 spent directly with Virgin Australia.**
- **Insurance included** — Extended Warranty Insurance (Cardholders may be entitled to extended warranty insurance of up to 12 months in addition to the covered product's Australian warranty period, which you purchase on your Virgin Australia Velocity Flyer or High Flyer card)
- **For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.**
- **Discounts on other products** — Personal Concierge (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.)
- **Loyalty program** — Velocity Points Earn (Turn your everyday credit card spend into flights, accommodation and more.)
- **Imagine having first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting, no disappointment 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.**
- **Interest-free period** — 44 days (Up to 44 days interest free for your purchases (Interest Free Days are not available if you have a Balance Transfer))
- **Bonus rewards** — 70000 (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.)

## Eligibility

- **Minimum income** — $35,000.00 p.a. (Minimum income required)
- **Minimum age** — 18 years (You must be at least 18 years of age to apply for a credit card)
- **Residency status** — Australian Citizen or permanent resident (Australian Citizen or permanent resident)

## Constraints

- **Minimum limit** — $6,000.00 (Minimum credit limit)

## More information from Virgin Money

- [Overview](https://www.virginmoney.com.au/credit-cards/flyer-credit-card)
- [Terms & conditions](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards)
- [Eligibility](https://www.virginmoney.com.au/credit-cards/flyer-credit-card)
- [Fees & pricing](https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards)

## Data provenance

- Published by Virgin Money under the Consumer Data Right
- Product ID: `76126e21-102c-ee11-9966-002248e1dc43`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/virgin-money/76126e21-102c-ee11-9966-002248e1dc43
- Provider page: https://www.cdrcompare.au/brands/virgin-money
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000245

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/virgin-money/products/76126e21-102c-ee11-9966-002248e1dc43) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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