Point Hacks Credit Card Guide

Ends next Monday: up to 120,000 bonus Velocity points plus $129 Virgin Australia flight credit with the Virgin Money Flyer & High Flyer Visas

Virgin Money Velocity High Flyer Visa - Up to 120,000 Velocity points

Virgin Money have up to 120,000 bonus Velocity points on offer with their High Flyer Visa. This has one of the highest Visa earn rates for Velocity points out there along with Virgin Australia flight credit voucher and lounge benefits.

  • Up to 120,000 bonus Velocity Points (spend criteria apply)
  • $129 Virgin Australia flight credit voucher and 2 lounge passes
  • 1 Velocity Points earned per $ spent up to 8,000 Points per month, 0.5 Velocity Points per $ after
  • 0% p.a. on balance transfers for 15 months
  • $289 p.a. annual fee
  • Offer expires: 31st October 2017
  • 40,000 bonus points for every month you spend $3,000 or more in the first 3 months

Find out more or apply →

Point Hacks earn a maximum of $80 per applicant for this card. More about this →

Virgin Money’s Flyer and High Flyer Visas are offering large sign-up bonuses (of up to 120,000 Velocity Points) until 31 October, which is as high as we have seen them for some time.

The Flyer Visa has (up to) 60,000 Velocity Points and the High Flyer Visa (up to) 120,000 Velocity Points, both depending on whether you meet the offers’ minimum spend criteria – with the High Flyer Visa offering 1 Velocity Point per $ across all spend up to $8,000 per month.

The bonus points are split into chunks of 20,000 points for every month you spend a minimum of $1,500 with the Flyer Visa and 40,000 points for every month you spend a minimum of $3,000 with the High Flyer Visa, both within the first 3 months of approval – however a range of government charges are excluded for the purposes of earning points and meeting the minimum spend, which includes transactions at the ATO, for council rates, and motor registries, among others.

The Virgin Money Flyer and High Flyer Visas 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:

  • $129 Virgin Australia flight credit on both cards
  • Virgin Money High Flyer Visa comes with two Virgin Australia lounge passes each cardholder year
  • High Flyer Visa has 1 Velocity Point per $ spent up to $8,000 each month

The $129 Virgin Australia 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 Velocity Flyer and Velocity High Flyer Visas

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.

Virgin Money Velocity High Flyer Visa - Up to 120,000 Velocity points

Virgin Money have up to 120,000 bonus Velocity points on offer with their High Flyer Visa. This has one of the highest Visa earn rates for Velocity points out there along with Virgin Australia flight credit voucher and lounge benefits.

  • Up to 120,000 bonus Velocity Points (spend criteria apply)
  • $129 Virgin Australia flight credit voucher and 2 lounge passes
  • 1 Velocity Points earned per $ spent up to 8,000 Points per month, 0.5 Velocity Points per $ after
  • 0% p.a. on balance transfers for 15 months
  • $289 p.a. annual fee
  • Offer expires: 31st October 2017
  • 40,000 bonus points for every month you spend $3,000 or more in the first 3 months

Find out more or apply →

Point Hacks earn a maximum of $80 per applicant for this card. More about this →

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
Annual fee$289

The Flyer and High Flyer cards 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.

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 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.

Virgin Money Flyer Visa card benefits

You can earn 0.66 Velocity points per $ spent up to $1,500 per month on all eligible spend, and 0.5 points per $ after you hit the cap.

I would imagine that many people will come up against the cap on this card if they use it as their main points earning card, so it’s worth being aware of this.

Virgin Money Velocity Flyer Visa - up to 60,000 Velocity Points

Virgin Money have up to 60,000 bonus Velocity Points on offer on the Flyer Visa, and 0% on balance transfers for 18 months plus reduced annual fee for the first year. A $129 Virgin flight credit also comes with the card each year.

  • Up to 60,000 bonus Velocity Points (spend criteria apply)
  • $129 Virgin Australia flight credit
  • 0.66 Velocity point earned per $ spent up to $1,500 per month, 0.5 Velocity point per $ after
  • 0% p.a. on balance transfers for 18 months
  • Annual fee: $64 for the first year (usually $129 p.a.)
  • Offer expires: 31st October 2017
  • 20,000 bonus points for every month you spend $1,500 or more in the first 3 months

Find out more or apply →

Point Hacks earn a maximum of $60 per applicant for this card. More about this →

Card Details

CardVirgin Flyer Visa
Loyalty programVelocity Frequent Flyer
Points earned from spend0. 66 Velocity Points earned per $ spent with 0.5 Velocity point earned after monthly points cap is reached
Points cap1,500 points per month
Travel benefits$129 Virgin Australia credit
Included insuranceTransit Accident Insurance (PDS)
Overseas transaction fee3.30% of the converted amount
Minimum income requirement$35,000
Annual fee$129 p.a. standard annual fee
($64 for the first year until 31st October)

Included insurances with the Virgin Money Flyer Visa

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

Additional supplementary cardholders are charged $39 per year, and the card also comes with the following insurances:

  • Guaranteed Pricing Scheme
  • Transit Accident Insurance

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.

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

This is a new benefit of the Virgin Money cards. A page of FAQ’s on this benefit is here. The key takeaways are that:

  • You’ll be able to use the credit on any booking made through the Virgin Australia website
  • The credit is delivered via an email voucher, on request, and valid for 12 months. The on request system is useful, as it allows you to pick when you start your 12 month period from which the voucher will expire.

The Virgin Money & Citibank connection

These 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’s 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.

Summing up: Virgin Money Flyer Visas

Both the Virgin Money Flyer cards will still have their place in the market for points-earning consumers. It’s a shame the bonus points from spend with Virgin Australia were cut recently as this reduced the appeal of these cards for the committed Virgin Australia flyer.

The Virgin Flyer card is likely to be best suited to those who are looking for limited spend on a Velocity-earning Visa/MasterCard, and who will use the $129 Virgin Australia credit to offset the annual fee.

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.

Ends next Monday: up to 120,000 bonus Velocity points plus $129 Virgin Australia flight credit with the Virgin Money Flyer & High Flyer Visas was last modified: October 20th, 2017 by Keith

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Comments Expand Comments

  1. Deany

    Hi PH,

    For the eligible spend, would purchasing gift cards from coles qualify? I dont see why not. Also if its a yes, would it also apply to prepaid credit cards that coles sells?

    Thanks

    • Based on the terms and conditions, it looks like gift cards from Coles may qualify as an eligible purchase.

      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).

  2. Anon

    Hi Steven
    Thanks for replying. I did apply from your link (and I have sent your link to numerous other people). But your link does take you to the virgin money site, and I was told that the issue with the mix-up (16,000 points x 5 instead of 40,000 x 3) occurs when you apply from the virgin money website. I have no idea why this would be because the virgin money website also says 120,000 for 3 months. That is why I thought maybe you could look into it and find out what is happening?

  3. Anon

    Just a note to everyone that there is some kind of weird mix-up happening on the virgin money side of things where you apply for the 120,000 points over 3 months (40,000 points per month for 3 months with a minimum $3,000 spend), but they have been putting many people over on to a plan instead of 16,000 points for 5 months (total of only 80,000 points). I asked if this was common and was told yes it was and that if you applied from the virgin money website (which is where this link above takes you) that you will not get the additional 40,000 points credited. They will only apply the additional 40,000 points if you apply directly from the velocity website. However, the virgin money website clearly states the same 120,000 points deal. Points Hack could you please look into this? I know it has happened to many people and many have not received the additional 40,000 points.

    • Hi,

      If you apply through our link on or before 31st October 2017, you should be able to get the 120,000 bonus points (as shown on the landing page) provided you reach the minimum spend requirement.

  4. Mythbuster

    This is an advertising site that is masquerading as a ‘points hack’ blog. They are getting commission for every card that is signed when you go via their link. There are real points hack sites and this is definitely not one of them.

  5. james

    I applied for this card without reading the fine print.

    they have a clause saying “qualified transactions” which does not include “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)”

    Makes it hard now but I have to be creative – car service, water rates, electrical rates – and pay my health insurance upfront, car insurance and 3 investment property insurance up front as am on a my monthly option .

    was going to pay my 3 investment property council rates and vehicle rates but it is now excluded.

  6. David

    Was going to apply for the Virgin Money high flyer card until I read the fine print. The 3k a month does not include spend on govt charges such as council rates or bpay spend so essentially you cannot include paying bills towards the 3k spend for 3 months to score the 120k bonus velocity points.

  7. Rohit

    I think the annual fee on the Flyer Visa is half for the 1st year, so only $65. That is excellent value for 60,000 VFF points and $129 voucher.

    The earn rate is extremely poor, so I am not sure why anybody would want to hang on to this card after the 1st year. Having said that, you get $129 voucher each year, so the card is essentially free, even after the 1st year.

  8. This is a great bonus rate. Shame the spending requirement is really high. But those 120k points would be handy considering the suites availability on Singapore over the Christmas period. I may have to wait for the AMEX velocity to hit 100k again. Cheers for the update

  9. Kimberlee

    Hi Keith, love what you are doing here, thank you!
    I’m in the market for a new credit card and keen to maximise frequent flyer points to potentially put towards an upgrade for overseas travel in August.

    I have just obtained a virgin money card (utilisng an offer to do a balance transfer for 18 months 0% interest)

    I note many card providers say you are ineligible to take advantage of an offer if you are either a current customer, or have been so in preceding 18 months. I can’t see anywhere from my initial reading that currently having a virgin card prohibits me from utilising any of the bonus points offers on the cards you discuss here. Can you confirm this for me?

    Many thanks!
    Kimberlee

    • Hey Kimberlee – the one you need to watch out for is Citi. Citi actually issue and manage the Virgin Money cards and there is usually a six month limit between applying for any new credit (e.g. new card or limit increase) across any Citi product.

  10. KJ

    Hi there, do you know whether the flights gift voucher has to be redeemed on a flight in the cardholders name only? I want to book a flight for my sister and was hoping to use the voucher…

  11. Mao

    I have just opened a high flyer account, and I’m looking at how to spread my spend over the bonus months. There is really little point spending over the $3000 in any bonus month if any extra spend can be defered to the next month.

    My problem is that I can’t find any definition of “month”. Any idea if this is calander month, or billing cycle month, or something else?

    • Hey Mao – you’ll need to contact Virgin Money to ask about that one, sorry. I would suspect it is statement period / billing cycle, as you mention.

      • Mao

        Just to confirm, the “month” does indeed refer to your billing cycle, not a calander month. So you need to achieve the minimum spend during each billing period to get the bonus for that period.

  12. Right now (Feb 2017), the article is inaccurate: At the current time the points offers are (weirdly):

    Virgin Flyer: 40,000 points (Bonus points offer)
    Virgin High Flyer: 30,000 points (1/2-price membership fee in 1st year: $144) – Not 50,000

    No doubt these offers change with the wind, though – So next month: Who knows?

  13. Just a note that if your using this as an everyday card and with a $15k limit on the high flyer you probably will be.
    The website is very poor and there isn’t an app.

  14. Amelia

    Hi Keith
    Quick question! I know that with membership etc, you need to be flying with Virign or partners to use the lounge. But is it the same with the complimentary passes that come with this card. Could I use them if i were flying with say, Qantas or Emirates?

    Cheers!
    Amelia

  15. Just looking at this now, it seems the 50,000 offer has been reduced to 20,000: 10k when you make your first purchase and another 10k when you spend $10,000 within the first 3 months – yeesh!

    • You are probably looking at the offer through a different referring website – the one clicking through from here is still 50k points for High Flyer, 10k per month over 5 months. That ends June 5th though.

  16. Richard

    Just to be clear, I have a quick question on the offer with these cards. Is the 50,000 (or 30,000) sign on bonus seperate from the opportunity to earn 10,000 x 5 months for $3,000 spend per month (or 10,000 x 3 months for $1,500 spend per month) or is it a different way of stating the same thing – and therefore to get the total sign on bonus requires ensuring you do spend the minimum each month for a number of months.

  17. Gillian

    So today I rang the Virgin Guest Contact Centre regarding changing the booking dates for TWO41 bookings made prior to the cut off date of 31st of March. I was told that it is perfectly fine to change booking dates after the scheme closes, however there will be a $80 per person change fee and there could also be a difference in the flight cost. So for myself (I’m hoping to book flights to Broome for my partner and myself but need them to be further away than the 11 months) this is probably a viable option. Obviously each person will need to weigh up the cost depending on their travel goals.

  18. brushwood

    Hi, I’ve looked but can’t find any reference to the following; Does anybody know if you can book your half price flights before the end of March and then change the dates later? If this is possible what is the cost?

    • With this one I’m not sure. I would imagine the dates should be changeable, but with a standard change fee, however I’m not sure what that would be. I’d suggest doing a dummy booking with VA over the phone and testing the terms/policies on that scenario.

  19. Thanks for the update Keith.

    Is there a way to hold a booking under the old system (50% off base fare) and then make the payment once we receive the $129 voucher? Perhaps I’m just being greedy but this would be a phenomenal saving otherwise!

    • No, not to my knowledge. But you can use all your ‘old system’ benefits and then get the voucher and essentially double dip as the systems change over.

  20. Marco

    Thanks for the info I will probably cancel this card when they remove the 2for1 discount. I used it often for me and my partner to go Canberra to Adelaide to visit family. My most recent Christmas booking I saved over $700 from if I just booked two return tickets

  21. thelongroad

    I think the regular Flyer Visa is now totally a losing proposition. If you can use the $129 voucher then it’s a free card with an unattractive Virgin earn rate.

    The High Flyer’s annual fee is too high for a slightly better deal.

    I’ll be cancelling my Flyer shortly after March.

    • I’m wondering though if there’ll be any better earn rates than 0.66/$ on an effectively “fee-free” Visa once the expected RBA rule changes come through and the rest of the banks respond? I don’t put enough through any card to make a $200+ fee worthwhile. I do wish the banks would all hurry up and decide, my annual fee for the Flyer is coming up in a month…

  22. Tom

    Hi Keith,

    Just wondering if there are any higher points earning Visa or Master card than the Virgin Money High Flyer Visa.

    At 1.25 point/$ it seems to be the best earning non-Amex card available?

    Tom

  23. dave

    What about the 150 SC’s?

    [Earn 150 Status Credits27

    Simply purchase a flight on Virgin Australia using your new Virgin Australia Velocity High Flyer Card within the first 3 months of card approval.]

    It says just book the flight in the first 3 months BUT it links to the term number 27 which shown below talks about spending $3k a month to get the 60k in points.

    However, if you read the term 28 it mentions you have to book the flight BUT meet the spend? SO does that mean you have to book the flight AND spend $3k a month for 6 months to the get the SC’s???? I wouldn’t think this is the case as it says it will appear in 8-10 weeks which is less than 6 months – but you never know with these guys how tricky they can about not giving away the points/SC’s

    it says in the terms that you have to meet the minimum spend but also refers to making a booking.

    60,000 bonus Velocity Points offer is provided to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 30 April 2015. 10,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on retail purchases for 6 months from card approval. Retail purchases are for valid goods and services purchases only and exclude charge backs, refunds or fraudulent transactions. Bonus Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. Offer not available in conjunction with any other offer on the VAVHFC or VAVFC.
    150 Velocity Status Credits offer for new VAVHFC customers only who apply by 30 April 2015 and purchase a Virgin Australia marketed and operated flight (either directly via virginaustralia.com or by calling 13 67 89) using the credit card within the first three months of card approval. Please allow 8 to 10 weeks after you have met the spend requirements for the Status Credits to be awarded to your Velocity Frequent Flyer account. For more information around upgrading and maintaining Status membership click here. The offer can only be used once per person and is not available to pre-existing VAVHFC customers. This offer is subject to change without notice at the discretion of Virgin Money, is not redeemable for cash, is non-transferrable and can’t be used in conjunction with other VAVHFC promotions or offers.

    • Keith Author

      My understanding is that the SC’s are linked to the flight booking requirement while the points are linked to the spend requirement. If in doubt, give Virgin Money a call and get them to confirm 100%. If you get confusing responses, happy to ask Virgin Money directly for clarification.

  24. Summer

    Are there any penalties if you sign up for the High Flyer, use the 60,000 points on flights but never make any purchases with it and cancel it before 12 months?

    • Keith Author

      You’ll need to make purchases to earn the 60,000 points – see the offer details for these. Otherwise if you cancel after that, you won’t lose the points you’ve already earned.

  25. SydneyKiwi

    I got a Virgin Money High flyer card for the 60,000 point bonus (subject to spending $3000 per month for 6 months). I was tempted by the 1.25 uncapped points earning per dollar…. until I got my first statement and really read the fine print. Points are only earned on retail spend (the merchant has to classify themselves as retail). So although I am spending the required $3000 per month to get the bonus of 60,000 points, I am getting very few points on that spend, I even booked flights with Virgin and earned no points!

  26. Jason

    Do we know for sure that ATO spend isn’t included?

    I have the Virgin Flyer card and haven’t been able to find anything in the T&Cs about it (as opposed to my fee free Citi Signature that makes it pretty clear)

    Any experiences?
    I have a hefty HECS debt to be paying sometime soon… 🙂

    • Keith Author

      No personal experience, but Citibank also issue the Virgin Money cards and I’m fairly certain the outcome is likely to be the same – no points on govt spend.

    • Keith

      Are you using Adblock? The plugin I use to handle credit card promotions is flagged as an ad often, so some elements get removed.

  27. Ben

    I applied for the this card from your link with the 60K promotion. I have been approved and received the card. No where is there any refference to a promotion, is this normal? I would have though at least a T&Cs or something?

    • Keith

      You mean in the welcome kit, or in your account online? That’s common. Many people might apply with different offers so many banks don’t send out offer details with the card unless it’s an across the board offer. Some do mention it in the welcome letter, that might be about it.

      If you are concerned check in with Virgin Money over the phone to confirm which offer you’ve signed up with, they should be able to tell you.

  28. Kapil

    What if you already have a Velocity High Flyer card, is there anything you can get? Feels like existing customers don’t get anything…

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