Virgin Money credit cards
5 credit cards. Ranked by bonus net of first-year fee · of 66 bonus cards.
Virgin Money Rewards · 3
0.5 Virgin Money Rewards pts per $ · $169 fee
$13135th of 6660,000 pts ≈ $300
- Annual fee
- $169
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Rewards program
- Virgin Money Rewards
- Base earn rate
- 0.5 Virgin Money Rewards pts per $
- Purchase rate
- 21.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Earn 60,000 Bonus Virgin Money Points when you spend $3,000 or more in the first 90 days from approval.
- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- 3.3%
- Rewards program
- Virgin Money Rewards
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 20.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- 3.3%
- Rewards program
- Virgin Money Rewards
- Purchase rate
- 12.99% p.a.
- Cash advance rate
- 21.69% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Velocity Rewards · 2
0.25 Velocity Rewards pts per $ · $349 fee · domestic lounges
$4514th of 66100,000 pts ≈ $800 · 80k in year 1
- Annual fee
- $349
- Additional cardholder
- Free
- Foreign transaction fee
- 3.3%
- Rewards program
- Velocity Rewards
- Base earn rate
- 0.25 Velocity Rewards pts per $
- Purchase rate
- 21.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
40,000 bonus Velocity Points for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval, plus 100 Status Credits once the 80,000 points are received. Plus 20,000 Velocity Points when you keep your card open for over 12 months. Not available to existing Virgin Money credit card holders.
0.25 Velocity Rewards pts per $ · $169 fee
$3916th of 6670,000 pts ≈ $560 · 50k in year 1
- Annual fee
- $169
- Additional cardholder
- Free
- Foreign transaction fee
- 3.3%
- Rewards program
- Velocity Rewards
- Base earn rate
- 0.25 Velocity Rewards pts per $
- Purchase rate
- 21.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
25,000 bonus Velocity Points for each month $1,500 or more is spent on eligible purchases for the first 60 days from approval, plus 50 Status Credits once the 50,000 points are received. Plus 20,000 Velocity Points when you keep your card open for over 12 months. Not available to existing Virgin Money credit card holders.
No published end date · 3
Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
October 20266 changes
- 5Mon
- Virgin Australia Velocity High Flyer Credit Cardyear-one bonus now 80,000 pts—
- Virgin Australia Velocity Flyer Credit Cardyear-one bonus now 50,000 pts—
- 2Fri
- Virgin Australia Velocity High Flyer Credit Cardannual fee $329 → $349+$20
- Virgin Australia Velocity Flyer Credit Cardannual fee $149 → $169+$20
- 1Thu
- Virgin Australia Velocity Flyer Credit Cardbase earn rate 0.66 → 0.25 per $—
- Virgin Australia Velocity High Flyer Credit Cardbase earn rate 1 → 0.25 per $—
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare credit cards · Card report
Notes on Virgin Money credit cards
to leave a note.
As of 9 November 2026, Virgin Money has five credit cards tracked by BankMate, three of them carrying a sign-up bonus. The Virgin Australia Velocity High Flyer Credit Card's 100,000 pts are worth about $800, or $451 after its $349 first-year fee, which ranks 4th of 66 bonus cards. Its cards last changed on 5 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.