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Up to 80,000 bonus Velocity Points with the Virgin Money High Flyer Visa Guide

Card Overview

The Virgin Money High Flyer Visa has up to 80,000 Velocity Points on offer for new cardholders. It has one of the highest Visa earn rates for Velocity points out there and comes with a complimentary Virgin Australia flight credit voucher each year and lounge benefits.

Key Attributes

  • Up to 80,000 Velocity Points, receive 40,000 Velocity Points each month you spend $3,500 or more on Eligible Transactions in the first 2 months from card approval
  • $129 Virgin Australia flight credit voucher and 2 lounge passes
  • Apple Pay, Google Pay & Samsung Pay Support
  • 1 Velocity Points earned per $1 spent up to 8,000 Points per month, 0.5 Velocity Points per $1 after
  • 0% p.a. on Balance Transfers for 12 months
  • Annual Fee: $289 p.a.

Offer is not available to existing Virgin Money Credit Card holders (including upgrades)

Virgin Money is offering up to 80,000 bonus Velocity Points for new cardholders of the Virgin Money High Flyer Visa until 31 January 2024.

New cardholders will receive 40,000 Velocity Points for each month you spend $3,500 or more on eligible transactions within the first 2 months from card approval, which equates to a total of $7,000 to receive the entire bonus points.

The High Flyer Visa Card comes with a $129 Virgin Australia flight credit each year, lounge passes and earns 1 Velocity Point per $ across all eligible spend up to $8,000 per month.

The Virgin Money Flyer and High Flyer Visa Cards are the semi-official credit cards of the Virgin Australia Velocity program, and each year offer a $129 Virgin Australia flight credit with both cards, along with two Virgin Australia lounge passes with the High Flyer.

Key benefits of the Virgin High Flyer Visa:

  • $129 Virgin Australia flight credit
  • Two Virgin Australia lounge passes each cardholder year
  • 1 Velocity Point per $ spent up to $8,000 each month

The flight credit is eligible for use on all Virgin Australia bookings, not just domestic saver fares. For those who tend to fly with Virgin Australia often, this substantially offsets the fee on both the Flyer and High Flyer Visa.

Digging into the details of the Virgin Money High Flyer Visa

The High Flyer Visa earns 1 Velocity Point per $ spent up to $8,000 per month (or 8,000 Velocity Points, of course). After spending that much each month, the earn rate goes down to 0.5 points per $.

For many people, they won’t get close to the monthly points cap. However, for those who have a high amount of spend on the card, this may be a blocker. At least the cap is to 0.5 points per $, rather than no points, after the threshold is reached.

Card Details

CardVirgin Money High Flyer Visa
Loyalty programVelocity Frequent Flyer
Points earned from spend1 Velocity point earned per $ spent , 0.5 points per $ after points cap
Points cap$8,000 per month on regular spend
Included insurancesInternational travel insurance, interstate flight inconvenience insurance and purchase cover insurance (PDS)
Travel benefits$129 Virgin Australia credit
Overseas transaction fee3.30% of the converted amount
Minimum income requirement$75,000
Mobile walletApple Pay, Google Pay and Samsung Pay
Annual fee$289

The card also exclude some ‘government-related transactions’ from earning points, which includes ‘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).

This is not ideal, as many larger transactions which would otherwise be good points-earners are ineligible. Bear this in mind if it will impact your ability to earn points from the card or being able to meet the minimum spend target for a bonus points offer. Do note, however, that there are other third-party payment providers that will allow you to earn the full points on these types of charges for a fee, such as B2Bpay and RewardPay.

Virgin Australia lounge passes

The High Flyer Visa also comes with two Virgin Australia lounge passes each cardholder year. These are added to your Velocity account and can be viewed when logged into the Velocity website.

Virgin Australia Lounge Sydney
Virgin Australia Sydney Domestic Business Class Lounge

Travel & Purchase Insurances

For the annual fee you’ll also receive a range of travel and purchase protection insurances:

  • Complimentary International Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Complimentary Purchase Cover Insurance
  • Guaranteed Pricing Scheme
  • Transit Accident Insurance

The full PDS of the insurances available with the Virgin Money High Flyer Visa is here.

This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.

Virgin Money High Flyer Visa Signature benefits

The Virgin High Flyer Visa is also a Visa Signature card, which gives access to the ‘Visa Luxury Hotels Collection’ booking channel. Thankfully the website is open to the general public when it comes to researching the value of this, so it’s easy to get a good idea of which hotels participate – there are around 900 in the program.

The standard benefits of booking through Visa Luxury Hotels are:

  1. Guaranteed best available rate
  2. Automatic room upgrade on check in
  3. Free continental breakfast
  4. Free internet
  5. 3pm checkout
  6. VIP Guest status
  7. $25 US food or beverage voucher per stay

The clearest benefits are the breakfast, free internet and $25 credit, which could add up to $75+ value on a one night stay if they were otherwise chargeable. The guaranteed best rate is an intangible benefit that’s not well defined, and the room upgrade and 3pm checkout are at the Hotel’s discretion, so may not yield anything either.

For example, in Sydney, Melbourne and Hong Kong, the following hotels participate:

In Sydney:

  • Shangri-La
  • The Langham
  • The Darling

In Melbourne:

  • Park Hyatt
  • Grand Hyatt
  • The Lyall Hotel & Spa

In Hong Kong:

  • The Mira and Mira Moon
  • The Peninsula
  • The Landmark
  • Conrad Hong Kong
  • The Upper House

Helpfully, these are all generally fairly unique hotels where it is likely hard to achieve any kind of hotel program status, so the additional benefits are very handy.

There’s also a range of special offers with specific hotels available which are worth keeping an eye on.

The Virgin Australia $129 flight credit with the Virgin Money Visas

The key takeaways are that:

  • You’ll be able to use the credit on any booking made through the Virgin Australia website or over the phone, including all cabins and sale fares
  • The credit is delivered via an email voucher in PDF form, on-request and is valid for six months. The on-request system is useful, as it allows you to pick when you start your six-month period from which the voucher will expire
  • You can access this benefit after you have made a retail purchase in the two months prior to requesting your voucher
  • You can use your voucher for purchasing Virgin Australia flights on any fare type (including sale fares) either through the Virgin Australia website or by calling them on 13 67 89, or selected Virgin Australia Holidays packages only by calling Virgin Australia Holidays on 13 15 16
  • Here is the link to request your gift voucher

More details about the flight benefit are available on the Virgin Money website.

The Virgin Money & Citibank connection

Both the Virgin Money Flyer and High Flyer Visa cards are issued/administered by Citibank.

If you have recently taken up a Citibank offer, you may not be approved for the card. If you’ve ever used Citibank’s online account management system or experienced their customer service, you’ll be right at home with this account as it is a co-branded offering.

Citibank-issued cards also exclude earning points for payments at the ATO. As a result, despite the High Flyer Visa having a high points cap, you won’t be able to take advantage of this with BAS payments.

Apple Pay, Google Pay & Samsung Pay Support

Virgin Money cards support Apple Pay & Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.

Summing up: Virgin Money High Flyer Visa

The Virgin High Flyer Visa continues to be one of the best Velocity Points-earning Visa/Mastercard options, which along with the flight credit and lounge passes, has its place in the wallet of the committed Velocity Points collector.

Up to 80,000 bonus Velocity Points with the Virgin Money High Flyer Visa Guide was last modified: November 25th, 2025 by
Community Comments

  4. Has anyone had issues getting their lounge passes credited to their account? I have been trying for months and just keep getting put around the ringer.

    Reply

  6. I have a couple of questions regarding the Virgin Money High Flyer credit card (issued by NAB) earning of points on my credit card. Specifically, are payments made through deft.com.au eligible or not eligible for points?

    Additionally, if I make a $500 transaction on the credit card, that is deemed not eligible for points, does the $500 transaction count towards the minimum monthly spend? Or is it only those transactions that earn points that contribute to meeting the monthly spend limit for earning bonus points?

    Thank you for your assistance. I look forward to your clarification.

    Reply

    1. Hi Mitchell, thank you for your questions. As Virgin Money is the issuer of this product (white labelled via NAB), questions seeking assurance or guarantee as to whether points are credited when transacting at a particular merchant could only be answered by the issuer. Regarding eligibility for a bonus points offer in the event of a transaction itself not being eligible for base points, we would refer you to the applicable T&Cs for clarity – or in the alternative, to the card issuer.

      Reply

  8. This article is way out of date. Some things have changes such as tge bonus points and the card is through BOQ not Citibank.

    Reply

  10. VirginMoney does not keep their promise and cheats on their customers. I should get 25,000 frequent flyer points for the first 4 months spending a minimum of $1,500 per month. For the first month they did not properly communicate when the first period started and ended so I missed out. For the last month they didn’t pay out because a government spend (VicRoads) was included which they deem not eligible. This was never a problem with any of the other credit card companies which have the same terms & conditions concerning government spend. The cheats of VirginMoney stole 25,000 points of me.

    Reply

  11. Is there a link to apply to this offer? The article says its available until October 31st, 2021, however there is only a notify button and i cant find the offer anywhere else. Thanks

    Reply

  12. I have the 20,000 x 3 bonus card which I received back in February 2019.

    I did include my velocity membership number at signup. When I accessed my account online there was no record of my membership number anywhere. VirginMoney responded to a message from me confirming my Velocity attached to my account.

    I have well over the minimum spend for each of the 3 statement periods but still no points at all. Another reply from VirginMoney again stated they have all my details and the points can take up to 60 days to arrive.

    Is this correct? Has anyone else had any issues with these VirginMoney CC’s. I just find it strange that I have not even received my base points for each of the months (not including the bonus).

    Thanks Guys.

    Reply

    1. Hi Laurent

      I would recommend giving them a call to get an update on your missing points if the 60 days have passed.

      Reply

  13. I’ve read that if you transfer a balance to the credit card, your everyday purchases will not have any interest free period.

    Does this mean if I transfer say, $5000 onto the card as a balance transfer, and make another $1000 purchase, I’ll pay interest immediately on the $1000 as opposed to getting say 44 days interest free etc?

    Cheers

    Reply

    1. Hi Joshua

      Yes, in the situation you’ve described, while your balance amount will remain interest-free for the period of the offer, any additional purchases will immediately be charged interest. However, depending on the Balance Transfer offer, this may vary and therefore we recommend to either consult the card’s PDS or to give the card provider a call to confirm.

      Reply

    1. Hi Dymytro

      The terms and conditions don’t make mention on eligibility for bonus points in this situation, so its best that you call Virgin Money and enquire directly.

      Reply

    1. Good question. The application page states:

      90,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 31 January 2019.

      I would recommend calling them on 1300 771 634 to confirm that you are eligible for this offer.

      Reply

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