Credit Cards | Virgin Money | Virgin Money Australia (2024)

Offer commenced 5 March 2024. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, 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 theVirgin Money Anytime Rewards Card, Virgin Australia Velocity 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 15 May 2024.Please note, you will be charged interest on retail purchases while you have a balance transfer. If we approve your credit card application, the Balance Transfer offer will be available for up to 3 months from the date your application is approved. Both Velocity Points and Virgin Money Points are not issued on balance transfers. Offer may be varied or withdrawn at any time. View more information about balance transfers.

Purchase Rate offer: Offer commenced 5 March 2024. Interest rates are variable and subject to change. The interest rates are current as at 15 May 2024.Offer may be varied or withdrawn at any time. The promotional rate of 0% p.a. applies to retail purchases for the promotional period advertised from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 19.99% p.a. on the Virgin Money No Annual Fee Card will apply to any outstanding retail purchases and any new retail purchases. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Minimum monthly payments required. Payments will be applied to your account as per theCredit Card Terms and Conditionsand Other Important Information.

The example is approximate and for illustrative purposes. Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. The promotional period is the period of the balance transfer offer shown. The rate, balance, interest and potential savings calculations in the table above are examples only. The estimate savings amount is based on a $7,000 balance transfer at an interest rate of 20% p.a. when compared to the balance transfer offer shown. Your personal circ*mstances may differ. It does not include interest accrued on the Virgin Money Credit Card at the standard interest rate.

You can earn Bonus Points through offers from selected partners when you shop online at participating retailers through the Partner Offers in the Rewards Hub or make a settled debit card purchase with selected merchants described in the Partner Offers in the Rewards Hub. Online Only Offers are facilitated by Ascenda and are subject to Ascenda’s additional Ascenda Terms and Conditions. Individual offers may also be subject to relevant merchants’ terms and conditions.

The Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit is a Special Feature available to Primary Cardholders only. An additional 20% Bonus Status Credits will be awarded when you fly on an Eligible Virgin Australia Flight and meet eligibility criteria being: a) a flight purchased using your Virgin Australia Velocity High Flyer Card directly with Virgin Australia (via Virgin Australia website, Virgin Australia Call Centre or Virgin Australia App); b) the Virgin Australia flight is eligible to earn Status Credits; c) your Velocity membership number was provided against the booking at the time of purchase or before your date of travel; d) at the time of booking, purchasing and taking the flight, your credit card account must be open and in good standing (for example – your account is not in default, suspended or closed). The amount of Bonus Status Credits is capped at 100 Bonus Status Credits each credit card anniversary year. Status Credit earn is subject to the fare type and distance travelled. We will allocate Bonus Status Credits within 2 months of the allocation of your base Status Credits to your Velocity Program account. See Virgin Australia for full details and definitions.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of VMA 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”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Extended warranty insurance does not affect the rights of cardholders against a manufacturer in relation to contravention of statutory or implied warranties under Australian legislation Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

Complimentary international travel insurance is limited to the primary cardholder only.

Unless advertised otherwise, the interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.

Withdrawal limits, fees and charges may apply.

Velocity membershipTerms and Conditions,apply. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters,fares on public transport,fines and court related costs). See VelocityRewards Program for High Flyer and Flyer Cardholders Terms and Conditionsfor full details anddefinition

Annual Additional cardholder fees may apply unless otherwise specified under the promotion. Primary cardholders are responsible for additional cardholder transactions and payments.

Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use.For more details and terms and conditions seewww.visa.com.au.

Offer commenced 5 March 2024. 80,000 bonus Virgin Money Points will be awarded to new and approved Virgin Money Anytime Rewards Credit Card account holders when$3,000 or more is spent on eligible purchases within 3 months from account approval. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Virgin Money Account up to 2 months after the qualifying purchases. Offer may be varied or withdrawn at any time. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit www.concierge-asia.visa.comfor details.

A valid Visa Platinum card must be used to make a purchase. Offers are subject to terms and conditions of the participating merchants providing the offers. Participating merchants are solely responsible for offer redemption and fulfilment, Visa does not provide any of the goods and services relating to the offers, nor make any representations or warranties in respect of the offers or such goods and services. Visa may modify or remove any of the merchants and/or their offers at any time without prior notice. Information about the offers is correct at the time of publication. You may wish to check with the participating merchant immediately before utilising an offer.

Up to 60,000 bonus Velocity Points offer is available to new and approved Virgin Australia Velocity Flyer Card account holders who apply by 2 September 2024. 30,000 bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 2 months from account approval.. The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 2 months after the qualifying purchases. Velocity membershipTerms and Conditions apply. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

The Virgin Australia Gift Voucher is a Special Feature available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 1 month after card approval in your first year and 1 month after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher, your account is active and in good standing (for example – your account is not in default, suspended or closed) and you are a Velocity Frequent Flyer Member. See andTerms of Usefor full details.All offers are non-transferrable, not redeemable for cash, and subject to change or withdrawal without notice at the discretion of Virgin Money.

Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer for the period shown, 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 theVirgin Australia Velocity Flyer Card and Virgin Australia Velocity High Flyer Card. Interest rates are variable and subject to change. The interest rates are current as at 15 May 2024.This offer is available for new customers who apply by 2 September 2024. Please note, you will be charged interest on retail purchases while you have a balance transfer. If we approve your credit card application, the Balance Transfer offer will be available for 3 months from the date your application is approved. Velocity Points are not issued on balance transfers.We reserve the right to continue, withdraw or change the offer at any time. View more information about balance transfers.

Gift Cards or Vouchers are administered by Ascenda Australia Pty Ltd and are subject to the Ascenda Terms and Conditions. Requested Gift Cards are subject to separate terms and conditions made available at the time of requesting the Gift Card. Once points have been redeemed for a Gift Card, the Gift Card cannot be returned. Expiry dates will apply.

Up to 80,000 bonus Velocity Points offer is available to new and approved Virgin Australia Velocity High Flyer Card account holders who apply by 2 September 2024. 40,000 bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 2 months from account approval. The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page.Points will be credited to the Primary Cardholders Velocity Account up to 2 months after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer Membership linked to the Virgin Australia Velocity High Flyer Card account.Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

Hotel bookings made through the Virgin Money Rewards Program are operated by Ascenda Australia Pty Ltd and subject to Ascenda’s additionalBooking and Travel Terms. Individual hotel bookings may be subject to further terms and conditions stipulated by Ascenda’s travel partners. These additional terms will be made available to you by Ascenda at the time the relevant booking is made. Points earned from making a Hotel Booking will be credited to your account within24 hours after the completion of your hotel stay.

Virgin Money Rewards is the Virgin Money Rewards Program referred to in the Credit Card Rewards Program for Virgin Money Anytime RewardsTerms and Conditions (Credit Card Rewards T&Cs). All rewards are subject to the Credit Card Rewards T&Cs. For further information on program participation, see Virgin Money Rewards Terms and Conditions.

Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Your Fixed Payment Option amount uses part of your existing credit limit. As you pay off your Fixed Payment Option amount, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. If you fail to pay the Monthly Instalment by the Payment Due Date that Monthly Instalment will be charged interest at the retail purchase rate from the Payment Due Date. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate applicable (the retail purchases rate is applicable for transaction instalment plans and statement instalment plans and the cash advance rate is applicable for cash instalment plans). For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

Thequoted redemption fares are correct as at 16 January 2020 and are subject to change. Fares are subject to availability, and seats are limited and may not be available at peak times or on all flights. Price is based on a one way economy or return Reward Seat fare or business Reward seat fare as specified, and must be booked on theVelocity website.Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. Price may vary until ticketed. All payments made on the internet or on the phone via debit/credit card are subject to a payment surcharge between 0.6% to 1.3% of the total value of the card transaction (capped at $40 for domestic and $70 for international, per passenger per booking). For Rewards Seat bookings on Etihad Airways operated flights, an Etihad Airways Carrier Charge will apply,view more information here. You may also be entitled to a refund under the Australian Consumer Law in certain circ*mstances. Add $40 or 5,200 Points for domestic and international short haul bookings or $70 or 8,800 Points for international long haul booking per person for bookings made on the phone. A checked baggage allowance is included in your fare,view Reward Seat Baggage Allowances for details. Name changes are not permitted. Other changes, refunds and cancellation are permitted prior to travel and may incur a fee and any applicable fare difference. View theVelocity Rewards Seat fare rulesfor more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions atvelocityfrequentflyer.com.

The bonus Velocity Points offer is available for new and approved Virgin Australia Velocity High Flyer and Flyer credit card customers who apply by 2 September 2024. For High Flyer: up to 80,000 bonus Velocity points offer: 40,000 bonus Velocity points will be awarded for every month $3,500 or more is spent on eligible purchases for the first 2 months from account approval (spend period). For Flyer up to 60,000 bonus Velocity points offer: 30,000 bonus Velocity points will be awarded for each month $1,500 or more is spend oneligible purchases for the first 2 months from account approval (spend period). The first month begins on the date your account is approved. Please allow up to 1 week for your card to be mailed to you, leaving you about 3 weeks to meet the spend hurdle for the first month. The second month will commence one month from the date your account is approved. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. Aneligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges.Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholders Velocity Account up to 2 months after the qualifying purchases. Velocity membershipTerms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

Offer commenced 5 March 2024. $50 cash back is available for new and approved Virgin Money Low Rate and No Annual Fee credit card customers who spend $1,500 or more on eligible purchases in the first 3 months of account approval date (spend period). Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. The cash back of $50 will be credited to the Primary Cardholder’s account up to 10 weeks after the end of the 3 month qualifying period. The cash back credit will be applied once per account and does not contribute to your monthly minimum repayment. Offer may be varied or withdrawn at any time and is non-transferrable and can’t be used in conjunction with any other promotions or offers. Please note that if you have a balance transfer, you will be charged interest on any spend that you make.

Earn 1 Virgin Money Point for every $1 spent on Eligible Transactions. There is no limit to the amount of points you can earn. Points will be transferred to your Virgin Money Rewards account within 15 Business Days after an Eligible Transaction has been processed by us. To earn and redeem Virgin Money Points, you must hold a Virgin Money Anytime Rewards Credit Card and add your credit card to your account profile in the Virgin Money app. Points earn and redemption are subject to the Virgin Money Rewards Terms and Conditions and the Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions for full details and definitions.

Pay with Virgin Money Points is available on select purchases to allow you to pay for your purchase with Virgin Money Points. Pay with Virgin Money Points is not available to additional cardholders of Virgin Money Credit Cards. The purchases available for Pay with Virgin Money Points are Eligible Transactions and BPAY transactions on your Virgin Money Credit Card made in the last 3 months. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi Accounts, bank fees and charges such as interest and ATM charges, transactions made using Virgin Money Rewards Points and government related transactions. Government related transactions include transactions with government or semi-government entities or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). You must have sufficient points to be able to redeem the total value of the purchase through Pay with Points. If you redeem your points with Pay with Points we will credit a cash amount equal to the selected transaction into your Credit Card. Once we credit the amount you cannot reverse the redemption. Pay with Points will reduce the outstanding balance of your account but won't count towards your next monthly repayment obligation. You must still pay the minimum payment on your monthly card statement. Any credit to your credit card account is non-refundable.

You may redeem your Virgin Money Points for a cash amount in AUD to be credited. Once funds have been credited to your Account they cannot be reversed to Virgin Money Points. The amount of Virgin Money Points required for a specific cashback amount is set out on the Rewards Hub, may vary from time to time and is subject to any minimum redemption amount specified.

Thecomplimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter.See for full details. Please note, due to social distancing requirements, seating capacity within Virgin Australia Lounges may be limited. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network.

You can redeem your Virgin Money Points for a credit amount to your nominated Virgin Money Account. Once funds have been credited to your account they cannot be reversed to points. The amount of Virgin Money Points required for a specific cashback amount is set out in the Rewards Hub, may vary from time to time and is subject to any minimum redemption amount specified.

For a list of compatible Apple Pay devices, seesupport.apple.com/en-us/102896

Samsung Pay is only compatible with selected Samsung devices. For full list of compatible devices, please visitwww.samsung.com/au/apps/samsungpay/

Virgin Australia Velocity Flyer Card half annual fee offer is available to new customers that apply by 2 September 2024. The annual card fee is $74 for the first year, then $149 will be charged on the anniversary of your card account being opened with Virgin Money. Annual fees are subject to change.

Offer commenced 5 March 2024. Virgin Australia Velocity Flyer Card no annual fee offer is available to new customers. The annual card fee is $0 for the first year, then $149 will be charged on the anniversary of your card account being opened with Virgin Money. Offer may be varied or withdrawn at any time. Annual fees are subject to change.

Google, Android, Google Pay and Google Wallet are trademarks of Google LLC. Terms and Conditions are available here. Google Pay is available on compatible Android mobile devices.

The Accelerated Velocity Points Earn Benefit is a Special Feature available to Primary Cardholders only. Earn an additional 1 Velocity Point with your Virgin Australia Velocity Flyer Card, or 2 Velocity Points with your Virgin Australia Velocity High Flyer Card per $1 spent on eligible Virgin Australia Purchases. Virgin Australia Purchase means the purchase of a Virgin Australia flight, product or service via the Virgin Australia website at virginaustralia.com, Virgin Australia App or via the Virgin Australia Contact Centre using your Virgin Australia Velocity Flyer or High Flyer Credit Card. Your Account must be in good standing (for example – your account is not in default, suspended or closed) at the time of the Virgin Australia Purchase. To receive Velocity Points you must supply your Velocity membership Account Information. See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.

From time to time we may offer you the ability to earn Bonus Points or other benefits with selected partners. Specific offer terms will be set out individual conditions at the time the offer is made to you.

Subject to the terms and conditions of the Virgin Money Rewards programavailable here.

Earn 1 Velocity Point per $1 spent on Eligible Transactions up to $8,000 each statement period, 0.5 Velocity Points per $1 spent on Eligible Transactions per statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Velocity membership Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.

Earn 0.66 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.5 Points per $1 spent on Eligible Transactions per statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Velocity membership Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.

Pay with points is available on select purchases to allow you to pay for your purchase with Points. Pay with points is not available to additional cardholders of Virgin Money Credit Cards. The purchases available for pay with points are Eligible Transactions and BPAY transactions on your Virgin Money Credit Card made in the last 3 months. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi Accounts, bank fees and charges such as interest and ATM charges, transactions made using Rewards Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). You must have sufficient points to be able to redeem the total value of the purchase through Paid Pay with points. If you redeem your points with Pay with points we will credit a cash amount equal to the selected transaction into your Credit Card. Once we credit the amount you cannot reverse the redemption. Pay with Points will reduce the outstanding balance of your account but won't count towards your next monthly repayment obligation. You must still pay the minimum payment on your monthly card statement. Any credit to your credit card account is non-refundable.

You can redeem your points for a credit amount to your nominated Virgin Money Account. Once funds have been credited to your account they cannot be reversed to points. The amount of Points required for a specific cashback amount is set out in the Rewards Hub, may vary from time to time and is subject to any minimum redemption amount specified.

Gift Cards or Vouchers are administered by Ascenda Australia Pty Ltd and are subject to the.Ascenda Terms and ConditionsRequested Gift Cards are subject to separate terms and conditions made available at the time of requesting the Gift Card. Once points have been redeemed for a Gift Card, the Gift Card cannot be returned. Expiry dates will apply.

Hotel and flight bookings made through the Virgin Money Rewards Program are operated by Ascenda Australia Pty Ltd and subject to Ascenda’s additional Booking and Travel Terms. Individual hotel and/or flight bookings may be subject to further terms and conditions stipulated by Ascenda’s travel partners. These additional terms will be made available to you by Ascenda at the time the relevant booking is made. Points earned from making a hotel booking will be credited to your account within 24 hours after the completion of your hotel stay.