Application Form | Virgin Money Credit Cards

Important stuff

Fees, charges, and credit criteria apply. New cards customers only and cannot be used in conjunction with any other offers. See our full terms and conditions here. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

All interest rates shown are variable. This information is correct at 14 March 2025. You must be at least 18 years of age to apply for a credit card. If you are a permanent resident you must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card, Virgin Australia Velocity Flyer Card and Virgin Money Anytime Rewards Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to our credit criteria.

All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money.

Please note that to read our PDF forms, you will need to have Adobe Reader installed on your computer.

Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Virgin Money Credit Cards ("Credit Cards"). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

To obtain a copy of the Target Market Determination (TMD) related to this product.

Things you need to know

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Offer ends 30 September 2025. Any credit card applications for this offer must be submitted on or before this date. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice.

To receive this offer: (a) your credit card application must be approved by 10 October 2025. We reserve the right to cancel any applications if we are unable to assess it within a reasonable time frame required to approve your application prior to this date (b) your credit card must be activated by 28 October 2025 (c) any Balance Transfer request must be processed (balance transferred) by 30 October 2025. We reserve the right not to process any Balance Transfer requests if they are not received within a reasonable time frame required to process the Balance Transfer prior to this date. Your total Balance Transfers may not exceed 80% of your credit limit. The Balance Transfer interest rate applies to balances transferred with this offer within 20 days from card approval, and the balance transfer fee (if applicable) for the period shown, commencing from the date the Balance Transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances, currently 20.99% p.a. on the Virgin Money Anytime Rewards Card, Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card and Virgin Money No Annual Fee Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Interest rates are variable and subject to change. The interest rates are current as at 14 October 2024. Please note that unless advertised otherwise, you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable ongoing purchase rate. Both Velocity Points and Virgin Money Points are not issued on balance transfers. Offer may be varied or withdrawn at any time. If a balance transfer fee applies the fee will be debited from your account on the day or the day after your balance transfer is processed. View more information about Balance Transfers.

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Applying for the Virgin Money Low Rate Card

Applying for the Virgin Money Low Rate Card

0% p.a. for 15 months on balance transfers¹. Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.

What you need to know

Important stuff

Things you need to know

Applying for the Virgin Money Low Rate Card

Applying for the Virgin Money Low Rate Card

0% p.a. for 15 months on balance transfers1. Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.

What you need to know

Important stuff

Things you need to know

0% p.a. for 15 months on balance transfers¹. Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.