Virgin Money Australia
Virgin Australia Velocity High Flyer Credit Card
If you love to travel, the Virgin Australia Velocity High Flyer Card is for you. Earn Velocity Points on your everyday spend, plus enjoy exclusive flight benefits and a range of complimentary insurances. It's a seriously rewarding credit card.
Credit cardsBank updated 5 Aug 2026
At a glance
- Purchase rate
- 20.74%
- Cash advance
- 20.99%
- Interest-free days
- 44
- Annual fee
- $329
- Foreign transaction fee
- 3.30%
- Rewards
- Velocity Points Earn
- Balance transfer
- 0.00% for 2 yrs
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval. 20,000 Velocity Points will be awarded when you keep you… | — | 2 yrs intro | — | 0.00% | — | — |
| Balance transferBalance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period. | — | 25 mo intro | — | 20.99% | — | — |
| Cash advance | — | — | — | 20.99% | — | — |
| Purchase | — | — | — | 20.74% | — | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Domestic Cash Advance above $100 | Cash advance | 2.70% of transaction | — | Domestic cash withdrawals from your credit card. |
| Domestic Cash Advance below $100 | Cash advance | $2.70 | — | Domestic cash withdrawals from your credit card. |
| International Cash Advance | Cash advance | $5 | — | International cash withdrawals on your credit card |
| Dishonour Fee | Dishonour | $15 | — | Fee for each time a cheque or Direct Debit payment is dishonoured. |
| Over-the-Counter Fee (Bank@Post) | Event | $2.50 | — | — |
| Overlimit Fee | Event | $40 | — | Fee per statement period when your credit limit is exceeded. |
| Late Payment Fee | Late payment | $30 | 1 days after due | 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. |
| Annual Fee | Periodic | $329 | Every 1 yr | Annual fee charged on the card |
| Paper Statement Fee | Periodic | $2 | Every 1 mo | 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. |
| International Transaction Fee | Purchase | 3.30% of transaction | — | For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant |
| Balance Transfer fee | Transaction | 3.00% of transaction | — | The balance transfer fee is 3% of the balance transferred |
§ 03 — Features
Balance transfersInstalment plans44 interest-free daysGoogle PayApple PaySamsung PayVelocity Points EarnInternational Travel InsuranceDomestic Travel InsurancePurchase Protection InsuranceRental Vehicle Excess Insurance in AustraliaPurchase CoverExtended Warranty InsuranceTransit Accident Insurance
- · Up to 100 Bonus Status Credits each year you purchase. Fly on an eligible Virgin Australia flight and you'll get rewarded with up to 100 Status Credits each year.
- · Earn 2 extra Velocity Points for every $1 spent directly with Virgin Australia using your High Flyer Credit Card.
- · Gain access to unique Visa privileges such as a range of great reduced holiday offers on hotels and resorts around the globe & up to 30% discount on green fees at some of the most prestigious golf cl…
- · 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,…
- · For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Citizen or permanent resident
- · Minimum income $75,000
- · Amount $15,000 to no maximum
§ 06 — Run the numbers
Put this product through a calculator
Published by Virgin Money under the Consumer Data Right, last changed by them on 5 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.