Credit Card Compare

Virgin Australia Velocity Flyer Credit Card

Data last updated 20 July 2026
20.74%
Purchase rate
$149
Annual fee
44 days
Interest-free

Do you manage Virgin Money card listings? Claim on Partner Central

Application
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

27Basic

Basic

Overall score, out of 100 · How this works

  • Frequent flyer26
  • Rewards29
  • Velocity Points26

Customer reviews

No reviews yet. Be the first to review the Virgin Australia Velocity Flyer Credit Card.

Pros & cons

What's good

  • Complimentary purchase protection and extended warranty.

Worth noting

  • The 20.74% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
  • Earns 0.66 points per $1 on everyday spend, below the dataset average.
  • The 0.66-point rate on everyday spend applies only to the first $1,500 spent each statement period, then drops to 0.5 points per $1.
  • 3% foreign transaction fee on overseas spending.

Card details

The basics

Additional cardholder fee
$39 p.a.
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit limit
$6,000 – $100,000
Credit rating
Good
Rewards program
Velocity Frequent Flyer

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
$35,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Eligible

Rates & fees

Ongoing interest rates

Cash advances
20.99% p.a.
Purchases
20.74% p.a.

Fees

Additional cardholder fee
$39
Annual fee
$149 p.a.
Cash advance fee
2.7% of the amount
Foreign transaction fee
3%
Late payment fee
$30

Repayments

Interest-free period
Up to 44 days on purchases
Minimum repayment
2% of the closing balance or $25, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
0.66 pts per $1 up to $1,500 per statement period
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
0.5 pts per $1 above $1,500 per statement period
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where these points could take you

Auckland
Flying Virgin Australia non-stop, using Velocity points. Economy 17,900 pts.

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas fee3.00%Better than most (53rd of 200 cards)
Purchase rate20.74%Not as good as most cards (121st of 196 cards)
Annual fee$149 a yearNot as good as most cards (128th of 200 cards)
Rewards value$209 a yearNot as good as most cards (66th of 95 cards)
Interest-free days44 daysNot as good as most cards (141st of 192 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the Virgin Australia Velocity Flyer Credit Card against every other card in its category.

Frequent flyerRewardsVelocity PointsView all →

Questions and answers

No questions yet. Ask the first one about Virgin Australia Velocity Flyer Credit Card.

Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Virgin Money
Program
Velocity Frequent Flyer