|Category||Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards|
|Benefits||Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit|
|Minimum Credit Limit||$6,000.00|
|Maximum Credit Limit||$50,000.00|
|Additional Cardholder Fee||$39.00 p.a.|
|Rewards Program||Velocity Frequent Flyer|
|Points Earn Rate||0.66 points per $1|
|Contactless Payments||Samsung Pay|
|Rates & Fees|
|Purchase Rate||20.74% p.a.|
|Cash Advance Fee||2.7%|
|Late Payment Fee||$30.00|
|Annual Fee||$129.00 p.a.|
|Foreign Transaction Fee||3.3%|
|Overseas ATM Withdrawal Fee||$5.00|
|Interest Free Period||44 days|
|Cash Advance Rate||20.99% p.a.|
Earn up to 100,000 bonus Velocity Points (25,000 points each month when you spend $1,500 or more in the first 4 months)
|Introductory Rate||0% p.a. for up to 14 months on purchases.|
Choose from one of the following sign-up offers:
|Reduced First Year Annual Fee||$64.50|
|Balance Transfer Rates|
|Balance Transfer Period||26 months|
|Balance Transfer Rate||0% p.a.|
|Balance Transfer Fee||0%|
- FAIR_COMPARISON: 6390
having lost my card thru theft tried to get a replacement and was told it was only available as an app. since i use a simple phone and not a smart phone .i am denied collecting points .
while it is virgin can send out a card to sell virgin wines
The worse company to deal with
I would stay away - far away from Virgin Money altogether as a company. I have been attempting to close my credit card since August 2020. They won't refund my remaining credit balance. The worse possible customer service - not even their complaint department will help you. Had to send over 50 emails to get some kind of answer. I want my REFUND and the credit card CLOSED so that I do not have to deal with this horrible company ever again!! How difficult is this to do?????????
You do not deserve a one star...
Worst customer service I have ever encounted!!!!!
I used a $129 Virgin Australia voucher, which was a reward for having this card and I used it to book a flight before Covid-19 struck. Virgin Australia cancelled those flights and repaid the velocity points back to me but never ever paid the $129 that they stole. I have tried to contact Virgin, Virgin Velocity etc time and time again and if you can get them to answer the phone then good luck. Virgin Australia has to be the worst customer service EVER!!!!! Be Warned.
Interest charging method is disgusting
If you don't pay your closing balance in full they still charge you for interest on the total closing balance! Not just the portion you havent paid. They also dont factor in other credits to your account. Absolutely disgusting - moving to qantas points for sure!
Terrible customer service
Had this card for two years for velocity points. Was going to cancel card when virgin airlines went into administration. Contacted virgin money online asked for annual fee to be refunded while velocity points unusable. They agreed then charged me the annual fee, then offered to refund half. On hold to customer services for ages, staff that don’t speak good English. Done with them and never going back. Will not use citi group again for any credit card.
Steer Clear - Horrendous Customer Service
Terrible service from Virgin Money Credit Card. I have never missed a payment & always pay my account in full. I found myself at the Supermarket recently with my card stopped.
So far I've made 3 calls to Virgin - the first call I was bumped from department to department 3 times only to end up where I first called. I week later I made a second call, as issue had not been resolved. I was assured that the issue was now resolved and everything would work by the following morning. Alas no it didn't. I made a call again only to be told it should be...fixed within 24hrs - I won't hold my breath. I understand in uncertain times things can be delayed but perhaps Virgin should consider the idea of 'under promising' & over delivering as their customer service strategy then I would have people like me having to ring multiple times for the same issue that they had assured me would be resolved at the first call.
Would give zero if I could
Transferred money from my bank to cc account. Never made it. Contacted on 16/3, 18/3, 19/3, 20/3, 23/3 no response to email, lied to on the phone about transfer on 23/3. Money still not there now 30/3 and they have advised me to go back to my bank even though they have advised twice that my money is at virgin. Utterly incompetent.
Can be useful, but not a card to keep
Another branded card which has Citibank behind the scenes. This means poor customer service and often-bumpy application experiences.
I think the only time to bother with this card is when there is a particularly good signup bonus (like right now - Oct 2019). The Virgin Australia cards have complicated bonuses usually - spend X amount each month for Y months and if you meet these requirements you'll get a certain set of bonus points for each of those months. I did manage to get some extra points because during the application process they requ...ested additional info and then said if I supplied the info within 24 hours I'd get 5,000 extra points. Of course, it didn't arrive into my account until I reminded them about it a few months later... The earn rate is poor (0.66 points per $, and capped at $1500, after which the rate is even lower, so don't go using the card too much!). Not a useful card for overseas spend, either. The annual fee isn't bad, and many people seem to like the flight credit (easier to use than the old flight booking that you had to call up for). Still, the credit voucher is only valid for six months after issuance, I think, so you have to watch the calendar a bit.
Deleted my points
I went to use my FF program to book a flight that I have been putting off. Only to find out my points have expired. It's like taking money out of your bank account!
Velocity has proven to be a big disappointment
Have travelled a lot with virgin Australia. Status points on domestic flights are very limited making them useless. 2 lounge passes are only valid for the domestic lounge, which is useless if you travel mostly international.
Often is difficult to know what rewards will be received as they are NEVER DISCLOSED until after flight..They should be shown as part of the booking.
Velocity do not reward virgin passengers as they should. Seems to be more oriented towards shopping then air travel rewards..I have found them somewhat difficult to deal with..
No help when ripped off online
Was a happy customer for years until.......
Bought a coffee machine online, and long story short didn't get what was promised. Tried to return it, but couldn't get any return info. Lodged a dispute with Virgin Money and 4 months later I am informed that I did not 'win' and that I have to pay in full. Essentially, at just the moment you need them, and when you expect them to come through on your behalf, they give you no support. Why use a credit card for online transactions if they then say they can do nothing. Even though it is a Virgin Money Visa credit card, they blame Visa and accept no fault themselves. Happy to take my money each month, but I'm very disappointed with the attitude. Will now cancel this card
Honestly pretty shocking
No updates with where your application is at, link to view progress of where your application is at yourself is never updated.
No one seems to have a clue what day it is yet alone what product they're even meant to be selling to you.
Should have stuck to telecommunications.
Not sure how they stay in business. Application took 3 weeks and I was declined. They didn't call to check my employment and didn't understand tax deduction on payslips?!? Called me 3 times to ask the same unrelated questions. BTW i have no credit cards, own my home and earn 80k per year. [name removed] would be furious his brand name is turning to mud
Balance transfer is a scam
You get interest free on the balance transfer, but they charge you interest on your purchases from day 1. Of course it's all legal because it's hidden in the Ts&Cs.
If they're willing to screw you on tiny things like that I can't imagine what they'll do to squeeze money from you on big things. Account closed.
Card OK, Virgin Customer service, abysmal.
Read Not Happy's review.my experience is exactly the same, possibly losing a home loan for not disclosing I had a Virgin credit even though I had told Virgin that I had cut up the card and to cancel it over 3 months ago, but they never did. devious, rude people at their call centres,
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