Virgin Australia Velocity High Flyer Card

Snapshot 1242 · Offer 2538 · Offer status now: ended

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# Source: https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card#accordion--carddetails-75544

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Dismiss

# Velocity High Flyer Credit Card

Spend today, vacay vibes tomorrow — with complimentary travel insurance, status credits and rewards.

* **[Apply now](https://application.virginmoney.com.au/virginmoney-form/virginmoney-card/virginmoney-card-apply?channel=&productId=hf&offerId=hfvp "Apply now")**

− Removed

Applications for new Virgin Money Credit Cards will be temporarily unavailable between 30 September 2026 (11:30pm) and 1 October 2026 (9am).

3127 unchanged lines

## Velocity Points Credit Card Offer

Earn bonus Velocity Points when you meet the offer criteria. That’s enough for an upgrade to Business Class, or even a flight to Europe to sip negronis in Italy.

* Offer  
#### Earn up to 100,000 bonus Velocity Points and 100 Status Credits[20](#) with a Virgin Australia Velocity High Flyer Card  
   * 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 approval.  
   * 100 Status credits will be awarded to your Velocity account within 30 days from 80,000 bonus points being received.  
   * Plus receive 20,000 Velocity Points when you keep your card open for over 12 months.  
   * 0% p.a. for 24 months Balance Transfer with a 3% fee.[1](#) Reverts to cash advance rate.  
   * **[Apply now](https://application.virginmoney.com.au/virginmoney-form/virginmoney-card/virginmoney-card-apply?channel=&productId=hf&offerId=hfvp "Apply now")**

Offers available to new and approved customers only.

We can’t process balance transfers from certain issuers – see our indicative list.[18](#) Learn More about balance transfers [here](https://www.virginmoney.com.au/help-and-support/faqs/credit-card-faqs#tabs--7-balance-transfer "here").

## Perks

*   
#### **Maximise your Velocity Points**  
Earn 0.75 Velocity Points per $1 spent on Eligible Transactions up to $5,000 per statement period, then 0.25 Points per $1 spent thereafter.[10](#)  
[Learn more about earning Velocity Points](https://da.live/rewards/velocity-frequent-flyer "Learn more about earning Velocity Points")
*   
#### Fly more, earn more  
Earn 2 extra Velocity Points for every $1 spent directly with Virgin Australia using your High Flyer Credit Card.[41](#)  
Plus as a Velocity Points earning cardholder, you can earn 5 Points per $1 spent on eligible Virgin Australia flights.[61](#)  
[Learn more about flight benefits](https://www.virginmoney.com.au/rewards/flight-benefits "Learn more about flight benefits")
*   
#### 2 yearly complimentary Single Entry Lounge passes  
After your anniversary with us, your passes will be added to your online Velocity account.[33](#)
*   
#### Bonus Status benefits  
Simply purchase and fly on an eligible Virgin Australia flight and you'll get rewarded with an additional 20% Bonus Status Credits (up to 100 Bonus Status Credits each year).[5](#)
*   
#### **Exclusive $129 Virgin Australia Gift Voucher**  
Redeem every year when you make a retail purchase in the 2 months prior to requesting the voucher.[17](#)
*   
#### **Complimentary Insurances**   
Enjoy international and domestic travel insurance with domestic rental vehicle insurance, and mobile phone insurance.[62](#)

## High Flyer Credit Card lowdown

A breakdown of our High Flyer Credit Card’s perks, rates, fees and limits.

Please see the [rates and fees page](https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards "rates and fees page"), and [forms and important information page](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards "forms and important information page") for full details

[](javascript:void%280%29)[](javascript:void%280%29)

| **Rates, fees & limits**                 |                                                                                                                                                                                                                                                                 |
| ---------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Annual fee                               | $349 Annual fees are subject to change.                                                                                                                                                                                                                         |
| Interest-free period                     | Up to 44 days on retail purchases.[8](#)                                                                                                                                                                                                                        |
| Purchase rate                            | 21.99% p.a.                                                                                                                                                                                                                                                     |
| Cash advance rate                        | 21.99% p.a.                                                                                                                                                                                                                                                     |
| Minimum credit limit                     | $10,000                                                                                                                                                                                                                                                         |
| **Points**                               |                                                                                                                                                                                                                                                                 |
| Velocity Points earn rate                | Earn 0.75 Velocity Points per $1 spent on Eligible Transactions up to $5,000 per statement period, then 0.25 Points per $1 spent thereafter.[10](#)                                                                                                             |
| Accelerated Velocity Points              | Earn 2 extra Velocity Points for every eligible $1 spent directly with Virgin Australia using your High Flyer Credit Card.[41](#) Plus as a Velocity Points earning cardholder, you can earn 5 Points per $1 spent on eligible Virgin Australia flights.[61](#) |
| Velocity Partners & Offers               | Velocity has an extensive network of global program partners and offers.                                                                                                                                                                                        |
| **Travel benefits**                      |                                                                                                                                                                                                                                                                 |
| Virgin Australia gift voucher            | $129 Virgin Australia Gift Voucher each year[17](#) (when you make a retail purchase in the 2 months prior to requesting the voucher). Available to Primary Cardholders only.                                                                                   |
| Velocity Membership Bonus Status Credits | Up to 100 Bonus Status Credits each year when you book and fly on an eligible Virgin Australia flight.[5](#) Available to Primary Cardholders only.                                                                                                             |
| Virgin Australia Lounge passes           | 2 complimentary Single Entry Domestic Lounge passes each year.[33](#)                                                                                                                                                                                           |
| **Complimentary Insurances[6](#)**       |                                                                                                                                                                                                                                                                 |
| International Travel Insurance           |                                                                                                                                                                                                                                             |
| Domestic Travel Insurance                |                                                                                                                                                                                                                                             |
| Domestic Rental Vehicle Excess Insurance |                                                                                                                                                                                                                                             |
| Extended Warranty Insurance              |                                                                                                                                                                                                                                             |
| Purchase Protection Insurance            |                                                                                                                                                                                                                                             |
| Mobile Phone Insurance[62](#)            |                                                                                                                                                                                                                                             |
| **Security**                             |                                                                                                                                                                                                                                                                 |
| Visa’s Zero Liability policy[12](#)      |                                                                                                                                                                                                                                             |
| Visa Checkout                            |                                                                                                                                                                                                                                             |
| Verified by Visa                         |                                                                                                                                                                                                                                             |
| Visa payWave                             |                                                                                                                                                                                                                                             |

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You must pay your Closing Balance or Interest Free Days Payment in full by the Payment Due Date shown on your statement to be eligible for interest free period on retail purchases.

## Manage your card anytime, anywhere

Track spending, redeem rewards, and manage payments easily through the Virgin Money app. Enjoy seamless banking with powerful features designed for your financial needs. That’s more like it.

*   
#### Set up & stay on top of your spending  
Download the app from the App Store or Google Play, enter your mobile phone number and follow the prompts.
*   
#### Stay in control with smart card management  
Lock and unlock your card instantly, set or change your PIN, and manage spending within the app.
*   
#### Tap, pay & go with digital wallets  
Link your Virgin Money credit card to Apple Pay,[36](#) Samsung Pay,[37](#) or Google Pay[40](#) for fast, secure, and contactless payments.

* [](https://play.google.com/store/apps/details?id=au.com.virginmoney.android%5Fvma)
* [](https://apps.apple.com/au/app/virgin-money-australia/id1198060050)

## Frequently asked questions

#### What credit cards earn frequent flyer points?

If you're interested in credit cards that allow you to earn frequent flyer points, there are various options to consider. Each is tailored for frequent travellers, is affiliated with different airlines and can provide you with the opportunity to earn points through a specific frequent flyer program. These accumulated points can be later used for travel-related or shopping rewards. When choosing a credit card to accumulate frequent flyer points, it's important to evaluate factors such as the point-earning rate, potential fees, and the flexibility of redeeming points for travel benefits that align with your preferences. At Virgin Money, we offer two credit cards through which you can earn Velocity points; the Virgin Australia Velocity High Flyer Credit Card and the Virgin Australia Velocity Flyer Credit Card.

#### What can Velocity Points be redeemed for?

You can redeem your Velocity Points for all kinds of rad things. Here are just a couple: Domestic and international flights with Virgin Australia, Virgin Samoa, Etihad Airways, Virgin Atlantic, Virgin America, Delta and more.A range of great hotels, car rentals and products including gift cards and vouchers.Head to [velocityfrequentflyer.com](https://www.velocityfrequentflyer.com/ "velocityfrequentflyer.com")to see the full range of what's on offer or give the Velocity Team a call on [13 18 75](tel:131875 "13 18 75"). Membership Enquiries 0800 - 2000 AEDT Monday to Friday Flight Redemptions 0730 - 2230 AEDT 7 days a week

#### How do frequent flyer credit cards work?

Frequent flyer credit cards, such as the Velocity High Flyer credit card or Velocity Flyer credit card, are designed to help you earn points or air miles with a specific airline or frequent flyer program. These credit cards work by offering you points for every Eligible Transaction you make. The number of points you earn can vary depending on the card and the type of transaction. Once you've accumulated a sufficient number of Velocity points on your credit card, you can redeem them for various rewards, including flights, upgrades, and other travel-related Points. It's a great way to make your everyday spending work for you in terms of travel benefits.

#### How do I apply for a credit card?

The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It will take at least 20 minutes to complete if you have all your information available. Once you are approved you will be able to access your Card within the Virgin Money app and can download to digital wallet. We will send you a physical card within 10 working days of approval. We need to know your age, Australian residency status, full Australian Driver Licence card details or a current Passport, and your current financial details including employment and your monthly income and expenses.

#### Is Velocity Frequent Flyer membership required?

Yep, you’ll need to be a Velocity Frequent Flyer Member so that we can send you the Velocity Points that you earn with your credit card.You’ll need to give us your Velocity Frequent Flyer membership number either on your application form when applying for your Virgin Money credit card, or by calling us on [13 37 39](tel:133739 "13 37 39") available 24/7.If you're not currently a Velocity Member you can arrange this when you apply for your card, or head to [velocityfrequentflyer.com](https://www.velocityfrequentflyer.com/ "velocityfrequentflyer.com") where you can join for free online. If you choose not to join Velocity Frequent Flyer, you’ll be ineligible for any offers or benefits relating to Virgin Australia or the Velocity Frequent Flyer Program.

#### How are my Velocity Points earned and transferred into my Velocity Frequent Flyer Account?

For the Velocity High Flyer Credit Card, Velocity Points can be earned on Eligible Transactions[10](#) and Virgin Australia spend[41](#) . At the end of your statement period, the Velocity Points earned for that period will be automatically transferred to your Velocity Frequent Flyer Account.

## Fly higher with our tips for your next holiday

Put those Velocity Points to good use with some of our top travel tips.

* #### Capital cities you've never heard of.  
Looking for a new Instagram location for your grid? Here are our top picks for cities you've likely never heard of.  
[Read more](https://www.virginmoney.com.au/blog/my-travel/capital-cities-youve-never-heard-of "Read more")
* #### Our top 10 Visa free countries to visit  
Discover our top picks of where you can go with just your Aussie passport.  
[Read more](https://www.virginmoney.com.au/blog/my-travel/no-visa-no-worries-overseas-destinations-you-dont-need-a-visa-for "Read more")
* #### How much does an overseas holiday cost?  
Crunch the numbers for your next trip and estimate how much your next getaway will be.  
[Read more](https://www.virginmoney.com.au/blog/my-travel/travel-budget-what-does-an-overseas-holiday-cost "Read more")

## Useful links

Didn’t find what you were looking for? Go to our [help and support page](https://www.virginmoney.com.au/help-and-support/credit-cards/ "help and support page") to find out more.

#### Features

[Compare Cards](https://www.virginmoney.com.au/credit-cards/compare "Compare Cards")

[Calculators](https://www.virginmoney.com.au/help-and-support/tools-and-calculators/credit-cards/ "Calculators")

[Instalment Plans](https://www.virginmoney.com.au/help-and-support/credit-cards/instalments "Instalment Plans")

#### Benefits

[Velocity Rewards](https://www.virginmoney.com.au/rewards/velocity-frequent-flyer "Velocity Rewards")

[Velocity Flight Benefits](https://www.virginmoney.com.au/rewards/flight-benefits "Velocity Flight Benefits")

[Virgin Money Rewards](https://www.virginmoney.com.au/rewards/ "Virgin Money Rewards")

#### Help and support

[Using your card](https://www.virginmoney.com.au/help-and-support/credit-cards/using-your-card/ "Using your card")

[FAQs](https://www.virginmoney.com.au/help-and-support/faqs/credit-card-faqs "FAQs")

[Terms & Conditions](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards "Terms & Conditions")

## Contact Us

Need help? Our team is here for you. Find answers, manage your application, or update your details with ease.

[Get help](https://www.virginmoney.com.au/help-and-support/faqs/credit-card-faqs "Get help")

*   
#### Call Us  
If you need help along the way give our Customer Care team a call. They're available 8am to 8pm Monday–Friday, 9am to 5pm Saturday (AEST) and closed National Public Holidays.  
[13 37 39](tel:133739 "13 37 39")
*   
#### Complaints  
We want every experience with us to be a great one. If something’s not right, lodge a complaint online and we’ll work to fix it ASAP.  
[Lodge a complaint](https://www.virginmoney.com.au/help-and-support/credit-cards/complaints "Lodge a complaint")
*   
#### Financial difficulty assistance  
If you are worried you won't be able to manage your upcoming repayments – we are here to help.  
[Find out more](https://www.virginmoney.com.au/help-and-support/assistance/support-and-assistance "Find out more")

### Important Information

Information, including interest rates, fees and charges and rewards rates are subject to change.

Fees, charges, and credit criteria apply. See our [full terms and conditions here](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards "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 24 November 2025\. You must be at least 18 years of age, be a permanent resident and earn a regular income to apply for a credit 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](https://get.adobe.com/reader/ "http://get.adobe.com/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. In relation to credit cards, “our”, “us”, “we”, and/or “The Virgin Money Credit Cards Team” 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.  
  
Click to Pay is auto enabled by NAB on Virgin Money Credit Cards.  
Enrolment is subject to eligibility criteria set by NAB and the relevant card scheme. You are not required to register or enrol yourself. For more information, please refer to [Click to Pay Terms and Conditions](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/vma-click-to-pay-terms-and-conditions.pdf "Click to Pay Terms and Conditions")

To obtain a copy of the [Target Market Determination](https://www.virginmoney.com.au/tmd "Target Market Determination") (TMD) related to this product.

**Things you need to know**

* 1  
Offer commenced 1 October 2026\. 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, and the balance transfer fee (if applicable). At the end of the Balance Transfer Period the balance will revert to the applicable variable cash advance rate. Neither Velocity Points nor Virgin Money Points are issued on Balance Transfers. 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](https://www.virginmoney.com.au/help-and-support/faqs/credit-card-faqs "View more information about Balance Transfers").
* 5  
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. 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 60 days of the allocation of your base Status Credits to your Velocity Program account. See [Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms & Conditions](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/velocity-bonus-status-credits-terms-and-conditions.pdf "Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms & Conditions") for full details and definitions.
* 6  
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (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 Virgin Money credit cards. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet. Neither NAB nor any of its related corporations guarantee this insurance.
* 8  
An interest free period applies to Retail Purchases if you pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or an Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. No interest free period is available on Cash Advances or Balance Transfers.
* 10  
For the Velocity High Flyer Credit Card, earn 0.75 Velocity point per $1 spent on Eligible Transactions up to $5,000 each statement period, 0.25 Velocity Points per $1 thereafter. For the Velocity Flyer Credit Card, earn 0.5 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.25 Velocity Points per $1 thereafter. For Velocity Points to be credited to your Velocity Account, you must hold a Velocity Account according to the **[Velocity Membership Terms and Conditions](https://www.velocityfrequentflyer.com/member-support/terms-conditions "https://www.velocityfrequentflyer.com/member-support/terms-conditions")** and have provided your Velocity Membership Account details to us. See the **[Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards "https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards")** for full details and definitions.
* 12  
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 click [here](https://www.visa.com.au/pay-with-visa/security/zero-liability.html "here").
* 17  
The Virgin Australia Gift Voucher is 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 after card approval in your first year and 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 online at online at [https://virginmoney.com.au/products/credit-card/gift-voucher](https://www.virginmoney.com.au/credit-cards/gift-voucher "https://virginmoney.com.au/products/credit-card/gift-voucher"), your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See[ Virgin Australia Gift Voucher Benefit Terms & Conditions](http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ec&s=g1Xvrd-vyWrDa2AUYWcBzN50Bdh13Xn10fMfNeHEgvE " Virgin Australia Gift Voucher Benefit Terms & Conditions") and [Terms of use](http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ed&cmpid=VFF1086%5FVMA%5FeDM%5FDel01%5FVirgin%5FMoney%5FeDM%5FModule09%5FCopy02&bId=1989028348&acId=349926587&clid=FCP%5F915449800%5FPDM280347&s=5PYHzSG81KNtwlXnAP0ECRyXUaLFQeCtwgE8hsGxKzE "Terms of use") for full details.
* 18  
Balance Transfer involves transferring the balance(s) of your other credit cards or loans to a Virgin Money Credit Card. The balances transferred will receive a promotional interest rate for a set period of time and can be a great way to save on interest charges.  
Once your balance(s) have been transferred, you might consider closing the other credit facilities you transferred balances from, as this would not happen automatically  
When considering a Balance Transfer promotion, it’s easy to focus on the low, or zero, interest rate being offered however don’t forget to consider the other features of the card and any applicable terms and conditions of the promotion.  
Most credit cards or loans from other financial institutions are eligible to have balances transferred to a Virgin Money Credit Card, provided that the card details match the BPAY reference number details of the financial institution. Where those details do not match, we are unable to process a balance transfer.  
We are aware of some financial institutions where card number and BPAY reference number do not match and which as a result are not eligible for a Balance Transfer, including:  
   * Bendigo Bank  
   * ING  
   * Latitude Finance  
   * Great Southern Bank  
   * Heritage Bank  
   * HUMM  
   * Adelaide Bank  
   * credit unions  
   * AMEX cards  
Please note, that this is an indicative list only and may change from time-to-time.  
Balance transfers are not available for Buy Now Pay Later, line of credit, or personal loan products.
* 20  
Offer commenced 1 October 2026\. Up to 100,000 Bonus Velocity Points offer is available to newly approved Virgin Australia Velocity High Flyer Card account holders.  
40,000 Bonus Velocity Points will be awarded each month $3,500 or more is spent on eligible purchases for first 60 days from 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. 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. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholder's Velocity account up to 2 months after the qualifying purchases.  
An additional 20,000 Velocity Points will be credited within 3 months of your anniversary when you keep your card open for over 12 months, provided it has been activated by you.  
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). Velocity membership, Status Credits earn and Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. We may vary or end this offer at any time. To be eligible for 100 Status Credits, you must meet the spend criteria to receive 80,000 bonus Velocity Points. 100 Status Credits will be credited to your Velocity Frequent Flyer account within 30 days of receiving the 80,000 bonus Velocity Points. Any Status Credits earned through this offer are subject to expiry after 12 months from earn. Velocity members also need to fly on Virgin Australia marketed flights to earn Eligible Sectors in addition to Status Credits to upgrade or maintain a new level of membership, for more information visit here. Velocity membership, Status Credits earn, Points earn and redemption are subject to the Velocity membership Terms and Conditions.
* 33  
The complimentary 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 [Virgin Australia Lounge Pass Benefit Terms & Conditions](http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ee&s=nQY7LsrMQDLOXHqRGnAB0YoEU5W4ZVwfl6FwCbErj-M "Virgin Australia Lounge Pass Benefit Terms & Conditions") for full details. Get the latest information on [Virgin Australia lounge access](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/ "Virgin Australia lounge access"). The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the [Virgin Australia Lounge Terms and Conditions](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/terms-and-conditions/ "Virgin Australia Lounge Terms and Conditions"), and as amended from time to time.
* 36  
For a list of compatible Apple Pay devices, see [support.apple.com/en-us/102896](https://support.apple.com/en-us/102896 "support.apple.com/en-us/102896")
* 37  
Samsung Pay is only compatible with selected Samsung devices. For full list of compatible devices, please visit [www.samsung.com/au/apps/samsungpay/](https://www.samsung.com/au/apps/samsungpay/ "www.samsung.com/au/apps/samsungpay/")
* 40  
Google, Android, Google Pay and Google Wallet are trademarks of Google LLC. [Google Pay](https://pay.google.com/intl/en%5Fau/about/ "Google Pay") is available on compatible Android mobile devices.
* 41  
Earn an additional 1 Velocity Point for a Velocity Flyer Credit Card or 2 Velocity Points for a Velocity High Flyer Credit Card per $1 spent on eligible Virgin Australia Purchases. For Velocity Points to be credited to your Velocity Account, you must hold a Velocity Account according to the Velocity Membership Terms and Conditions and have provided your Velocity Membership Account details to us. See the Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.
* 61  
From 2 April 2025, Velocity members may earn Velocity Points for eligible Virgin Australia domestic and international short haul flights (including Virgin Australia marketed and operated flights, flights operated by Link Airways and Alliance Airlines for Virgin Australia, Virgin Australia marketed and Link Airways operated flights, and Virgin Australia marketed and Air New Zealand operated flights) at the following rates: (i) 4 Base Points per $1 spent, and (ii) 5 Base Points per $1 spent if you are an eligible Velocity Points earning credit cardholder. For bookings made before 2 April 2025, Velocity members may earn 5 Base Points per $1 spent for eligible Virgin Australia domestic and international short haul flights (including Virgin Australia marketed and operated flights, flights operated by Link Airways and Alliance Airlines for Virgin Australia, Virgin Australia marketed and Link Airways operated flights, and Virgin Australia marketed and Air New Zealand operated flights).  
The ‘Base Points’ refers to the minimum number of Points that can be earned by a Red member when flying with Virgin Australia.Tier Bonus Points refers to the additional number of Points (beyond the Base Points) that can be earned by a Silver, Gold, Forever Gold, Platinum or Platinum Plus member when flying on all fare types excluding Lite with Virgin Australia.
* 62  
Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of Virgin Money Credit Cards. This Cover is available to Eligible Cardholders (“you/your”) while you remain an Eligible Cardholder, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “[Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf "Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions")” as amended from time to time. When eligible, you have the benefit of cover as a third partybeneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and Virgin Money are not the issuer or insurer of the Cover. Neither NAB, Virgin Money nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

Virgin Money Australia

* [About Virgin Money Australia](https://www.virginmoney.com.au/about-us/ "About Virgin Money Australia")
* [Virgin Money Rewards](https://www.virginmoney.com.au/rewards/ "Virgin Money Rewards")
* [Virgin Money Blog](https://www.virginmoney.com.au/blog/ "Virgin Money Blog")

About Us

* [News](https://www.virginmoney.com.au/blog/news/ "News")
* [Partners](https://www.virginmoney.com.au/about-us/#our-partners "Partners")
* [Careers](https://www.virginmoney.com.au/about-us/#careers "Careers")

Help & Support

* [Contact us](https://www.virginmoney.com.au/contact-us/ "Contact us")
* [FAQs](https://www.virginmoney.com.au/help-and-support/faqs/ "FAQs")
* [System status](https://www.virginmoney.com.au/help-and-support/system-status/ "System status")

Other

* [Important information](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/ "Important information")
* [Privacy](https://www.virginmoney.com.au/help-and-support/privacy-and-security/ "Privacy")
* [Accessibility](https://www.virginmoney.com.au/help-and-support/accessible-and-inclusive-banking/accessibility "Accessibility")

Connect with us

* [](https://www.facebook.com/VirginMoneyAU/ "facebook")
* [](https://www.instagram.com/virginmoneyau/ "insta")
* [](https://www.youtube.com/user/VirginMoneyAU "youtube")
* [](https://au.linkedin.com/company/virgin-money-australia "linkedin")

_Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616\. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006._

---

# Source: http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ec&s=g1Xvrd-vyWrDa2AUYWcBzN50Bdh13Xn10fMfNeHEgvE

Style

Info-Details

# Important information

Here's where you'll find links to terms and conditions and information about our Virgin Money and our products.

### Banking Code of Practice

Read the Banking Code of Practice

_[Banking Code of Practice{icon-button}](http://t.e.velocityfrequentflyer.com/about-us/banking-code-of-practice)_

### Target Market Determinations

Find more information about our Virgin Money products.

_[Target Market Determination{icon-button}](http://t.e.velocityfrequentflyer.com/tmd)_

### Financial Difficulty Assistance

We’re here to help if you are struggling to meet your financial commitments.

_[Find support{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/assistance/support-and-assistance)_

### Feedback and Complaints

We're here to listen to your experiences, good or bad.

_[Leave feedback or a complaint{icon-button}](http://t.e.velocityfrequentflyer.com/contact-us/feedback-and-complaints)_

### Availability of Payment Services

Availability of Payment Services to Individuals and Businesses Provided by Virgin Money.

_[Payment services{icon-button}](http://t.e.velocityfrequentflyer.com/about-us/availability-of-payment-services)_

### Privacy and security

Privacy and security information.

_[Privacy and security{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/privacy-and-security/)_

Style

layout-cols-33-66, small-button

## Terms and Conditions

#### Transaction & Savings Accounts

Find the the terms and conditions that apply to our Virgin Money Go, Grow and Boost Accounts.

_[Bank & Save{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/bank-and-save)_

#### Credit Cards

Find the the terms and conditions that apply to our credit cards.

_[Credit card{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/credit-cards)_

#### Home Loans

Find the terms and conditions that apply to our Reward Me Home Loan and Companion Account.

_[Home loan{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/home-loans)_

#### Superannuation

Find forms and key information about Virgin Money Super.

_[Superannuation{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/superannuation)_

#### Home & Contents Insurance

Find important documents to understand Virgin Home and Contents Insurance.

_[Home & Contents{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/insurance/insurance-support-auto-general/)_

#### Car Insurance

Find important documents to understand Virgin Car Insurance.

_[Car Insurance{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/insurance/insurance-support-auto-general/)_

#### Life Insurance

Find important documents to understand our Life Insurance product.

_[Life Insurance{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/life-insurance)_

#### Income Protection

Find important documents to understand our Income Protection Insurance product.

_[Income Protection{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/income-protection)_

---

# Source: http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ed&cmpid=VFF1086_VMA_eDM_Del01_Virgin_Money_eDM_Module09_Copy02&bId=1989028348&acId=349926587&clid=FCP_915449800_PDM280347&s=5PYHzSG81KNtwlXnAP0ECRyXUaLFQeCtwgE8hsGxKzE

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         * [ Lounges ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/)  
         * [ Connecting flights ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/connecting-flights/)  
         * [ Airport guides ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/guides/)  
         * [ Transfer maps ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/transfer-maps/)  
         * [ Delayed, cancelled and disrupted flights ](https://www.virginaustralia.com/au/en/book/manage-booking/disruption-info/)  
   * [ Onboard experience ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/)  
         * [ Cabin classes ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/cabin-classes/)  
         * [ Economy X ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/economyx/)  
         * [ Onboard menu ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/on-board-menu/)  
         * [ In-flight entertainment ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/in-flight-entertainment/)  
         * [ Seat selection ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/seat-selection/)  
         * [ Neighbour-Free Seating ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/neighbour-free-seating/)  
   * [ International travel ](https://www.virginaustralia.com/au/en/travel-info/international-travel/)  
         * [ Travel and entry requirements ](https://www.virginaustralia.com/au/en/travel-info/international-travel/travel-entry/)
* Fly for business  
   * [ Virgin Australia Business Flyer ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/)  
         * [ About the program ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/)  
         * [ Join Virgin Australia Business Flyer ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/business-flyer-application/)  
         * [ Partner offers ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/partner-offers/)  
         * [ Log in ](https://businesslogin.virginaustralia.com/Account/Login?ReturnUrl=%2F)  
         * [ Priority Benefits ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/priority-benefits/)  
         * [ How to redeem your Points ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/redeeming-points/)  
         * [ Manage travel ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/manage-travel/)  
         * [ Flight savings and Points ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/member-discounts/)  
   * [ Virgin Australia Corporate Travel ](https://www.virginaustralia.com/au/en/fly-for-business/corporate-travel/)  
         * [ About the program ](https://www.virginaustralia.com/au/en/fly-for-business/corporate-travel/)  
         * [ Enquire now ](https://www.virginaustralia.com/au/en/forms/corporate-air-agreement-form/)
* Velocity  
   * [ Velocity ](https://www.velocityfrequentflyer.com/)  
         * [ Earning points ](https://www.velocityfrequentflyer.com/the-basics/earning-points)  
         * [ Redeeming Points ](https://www.velocityfrequentflyer.com/the-basics/redeeming-points)  
         * [ Transferring Points ](https://www.velocityfrequentflyer.com/the-basics/transferring-points)  
         * [ Buying Points ](https://www.velocityfrequentflyer.com/the-basics/buying-points/?utm%5Fsource=web&utm%5Fmedium=vamenu&utm%5Fcampaign=nil)  
   * [ Frequent Flyer Credit Cards ](https://www.velocityfrequentflyer.com/frequent-flyer-credit-cards)  
         * [ Transfer credit card points ](https://www.velocityfrequentflyer.com/frequent-flyer-credit-cards/partner-cards)  
         * [ Points earning credit cards ](https://www.velocityfrequentflyer.com/frequent-flyer-credit-cards/direct-earn-cards)  
   * [ Partners & Offers ](https://www.velocityfrequentflyer.com/partners-offers/offers)  
         * [ All Velocity Partners ](https://www.velocityfrequentflyer.com/partners-offers/all-partners)  
         * [ Special Offers ](https://www.velocityfrequentflyer.com/partners-offers/offers)  
   * [ Flying and Status ](https://www.virginaustralia.com/au/en/velocity/flying-and-status/)  
         * [ Status membership ](https://www.velocityfrequentflyer.com/the-basics/status)  
         * [ How to use Points for flights ](https://www.velocityfrequentflyer.com/flying-status/use-points-for-flights)  
         * [ Velocity Airline Partners ](https://www.velocityfrequentflyer.com/flying-status/airline-partners)  
         * [ Silver Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/silver-membership)  
         * [ Gold Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/gold-membership)  
         * [ Platinum Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/platinum-membership)  
         * [ Platinum Plus Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/platinum-plus-membership)  
   * [ Shopping Partners ](https://www.velocityfrequentflyer.com/partners-offers/all-partners#shop-wine-dine)  
         * [ Velocity Store Marketplace ](https://www.velocityfrequentflyer.com/store)  
         * [ Velocity Store Shop & Earn ](https://www.velocityfrequentflyer.com/store/shop-and-earn)  
         * [ Velocity Wine Store by Laithewaite's ](https://www.velocitywinestore.com.au/)

[ Help ](https://www.virginaustralia.com/au/en/help/) [ Check-in ](https://check-in.virginaustralia.com/checkin/index.html#/login) [ Flight status ](https://www.virginaustralia.com/au/en/flight-status/) 

 AU 

[Join Velocity](https://join.velocityfrequentflyer.com/?icmpid=va:vff:aem%5Fnav:joinvff:ao:na) 

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* [ ](https://www.virginaustralia.com/au/en/)  
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* [ About](https://www.virginaustralia.com/au/en/about-us/)  
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* [ Policies](https://www.virginaustralia.com/au/en/about-us/policies/)  
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* [ Legal policies](https://www.virginaustralia.com/au/en/about-us/policies/legal/)  
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# Virgin Money Voucher Terms of Use

## Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card Gift Voucher Terms of Use

##### Information regardingImportant information

**Please note:** For Vouchers issued prior to 08 July 2020, clauses 1 to 23 of these Terms of Use apply. For Vouchers issued on and from 08 July 2020, clauses 24 to 29 of these Terms of Use apply. 

### Vouchers issued prior to 08 July 2020

1. These Terms of Use apply to complimentary gift vouchers issued to the primary cardholders of the Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card prior to 08 July 2020 (Voucher).
2. By requesting, redeeming, or attempting to redeem a Voucher, you accept and agree to be bound by these Terms of Use and they will become a contract between you and Virgin Australia. You acknowledge you have read and understood the [Virgin Australia Privacy Policy](https://www.virginaustralia.com/au/en/about-us/policies/privacy/privacy-policy/ "Read Virgin Australia's Privacy Policy").
3. Vouchers will be issued with a value of $129 Australian Dollars (AUD) only.
4. Vouchers can only be redeemed in Australian Dollars.
5. The Voucher can be used on any flight with a “VA” flight number booked via the [Virgin Australia Website](http://www.virginaustralia.com/au/en/ "Virgin Australia home page") or Guest Contact Centre. The Voucher cannot be used to book:  
   * flights where insurance has been selected as part of the booking; or  
   * flights that include Velocity Frequent Flyer Points as a method of payment, including Reward Seat, Any Seat or Any Seat, Any Airline bookings.
6. The Voucher can only be used towards future bookings and cannot be applied to past bookings.
7. You must provide the Voucher Number at the time of booking or when contacting us about your Voucher.
8. You are responsible for keeping your Voucher and Voucher Number secure and confidential. Any person quoting the Voucher Number can use the Voucher. We are not liable for any loss you may suffer as a result of disclosing your Voucher Number.
9. The Voucher is valid for bookings made within 6 months from the date of issue unless otherwise stated on the Voucher. The Voucher will expire at midnight on the expiry date stated on the front of the Voucher and cannot be extended.
10. You must make a booking using your Voucher on or before the expiry date. The booking can be for travel dates after the expiry date.
11. If there is any credit remaining after redemption of the Voucher, it can be used towards future flight purchases until the credit balance reaches zero. Any balance that remains on the Voucher after the expiry date is not available for use.
12. Additional values cannot be added to existing Vouchers. Only one Voucher can be used per flight booking. Any outstanding difference between the Voucher and the amount of the booking must be paid at the time of booking with a valid credit card for which a [card payment fee](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/fare-types/payment-fees-overview/ "Payment fees information") will apply.
13. Vouchers can be redeemed for flights on the Virgin Australia Website or by calling our Guest Contact Centre on 13 67 89 from within Australia, 0800 67 0000 from within New Zealand, 1855 253 8021 from within the United States of America, and +61 7 3295 2296 from anywhere else in the world. [A Guest Contact Centre fee](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/fare-types/payment-fees-overview/ "Payment fees information") will apply, unless the online redemption facility is unavailable.
14. Bookings that have been paid for using Vouchers cannot be changed or cancelled online. You will need to contact our Guest Contact Centre.
15. Travel on Virgin Australia flights is subject to Virgin Australia’s [Conditions of Carriage](https://www.virginaustralia.com/au/en/about-us/policies/legal/conditions-of-carriage/ "Virgin Australia's Conditions of Carriage"), which are subject to change. Your booking is subject to the [Fare Rules](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/fare-types/ "Virgin Australia Fare types") applicable to your fare.
16. You can check your Voucher balance at any time on the [Virgin Australia Website](https://www.virginaustralia.com/au/en/ "Virgin Australia home page").
17. Lost, damaged, stolen, or altered Vouchers may not be accepted or replaced.
18. Vouchers are non-refundable, unless you are entitled to a refund of the amount you paid for the Voucher under the Australian Consumer Law. Vouchers cannot be exchanged for cash and cannot be reloaded.
19. To the extent permitted by law, we reserve the right to amend these Terms of Use at any time. Changes to the Terms of Use will be available on this website.
20. These Terms of Use are to be construed and enforced in accordance with the laws of Queensland, Australia. Any dispute arising from your receipt or use of the Voucher is exclusively subject to the jurisdiction of the courts of Queensland, Australia.

### Vouchers issued on and from 08 July 2020

1. The use of complimentary gift vouchers issued to primary cardholders of the Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card on and from 08 July 2020 (Voucher) is governed by:  
   * These Terms of Use; and  
   * The [Virgin Australia Travel Bank Terms and Conditions](https://www.virginaustralia.com/au/en/about-us/policies/legal/travel-bank-terms/ "Travel Bank terms and conditions"), as amended by clause 29 of these Terms of Use.
2. You acknowledge you have read and understood the [Virgin Australia Privacy Policy](https://www.virginaustralia.com/au/en/about-us/policies/privacy/privacy-policy/ "Virgin Australia Privacy Policy").
3. Vouchers will be issued with a value of $129 Australian Dollars (AUD) only.
4. Vouchers can only be redeemed in Australian Dollars.
5. Vouchers will be provided in the form of a credit into a Velocity member’s Travel Bank account.
6. The [Virgin Australia Travel Bank Terms and Conditions](https://www.virginaustralia.com/au/en/about-us/policies/legal/travel-bank-terms/ "Travel Bank Terms and Conditions") are amended as follows:
* Clause 4.1 a) is deleted and replaced with the following: a) Flights operated by Virgin Australia;

## Footer

###  Company

* [ About us](https://www.virginaustralia.com/au/en/about-us/ "About us")
* [ Careers](https://www.virginaustralia.com/au/en/about-us/careers/ "Career opportunities and job openings")
* [ Investor centre](https://www.virginaustralia.com/au/en/about-us/investor-relations/ "Investor relations")
* [ Newsroom](https://www.virginaustralia.com/au/en/newsroom/ "Newsroom media releases")
* [ Travel agents](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/agency-hub/ "Agency Hub")
* [ Velocity Frequent Flyer](https://www.velocityfrequentflyer.com/?cctp=vffld%5Fvirginaustralia "Velocity Frequent Flyer website")

###  Support

* [ Help centre](https://www.virginaustralia.com/au/en/help/ "Support and help ")
* [ Contact us](https://www.virginaustralia.com/au/en/help/contact-us/ "Get in touch with Virgin Australia")
* [ Specific needs and assistance](https://www.virginaustralia.com/au/en/travel-info/specific-travel/specific-needs-assistance/ "Assistance and support")
* [ Velocity member support](https://www.velocityfrequentflyer.com/member-support?cctp=vffld%5Fvirginaustralia "Velocity member support and help")
* [ Baggage](https://www.virginaustralia.com/au/en/travel-info/baggage/ "Baggage information ")
* [ Digital accessibility](https://www.virginaustralia.com/au/en/help/accessibility/ "Accessibility information for digital")

###  Explore

* [ Destinations](https://www.virginaustralia.com/au/en/destinations/ "Destinations")
* [ Travel inspiration](https://www.virginaustralia.com/au/en/destinations/travel-inspiration/ "Find inspiration for travel")
* [ Flights](https://www.virginaustralia.com/au/en/flights/ "Discover flights ")
* [ Group bookings](https://www.virginaustralia.com/au/en/travel-info/specific-travel/group-travel/ "Group travel")
* [ Specials](https://www.virginaustralia.com/au/en/specials/ "Specials")
* [ Onboard experience](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/ "Onboard experience")

###  Useful links

* [ Flight Status](https://www.virginaustralia.com/au/en/flight-status/ "Flight Status")
* [ Manage booking](https://www.virginaustralia.com/au/en/#/mytrips?bookingType=flights?type=manage "Manage booking")
* [ Check-in](https://check-in.virginaustralia.com/checkin/index.html#/login "Check-in")
* [ Cargo services](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/cargo/ "Cargo services")
* [ Virgin Australia App](https://www.virginaustralia.com/au/en/travel-info/on-the-move/virgin-australia-app/ "Virgin Australia App")

[  ](https://apps.apple.com/au/app/virgin-australia/id1060472593?platform=iphone "Apple store link download our app for IOS") [  ](https://play.google.com/store/apps/details?id=com.virginaustralia.vaapp "Google Play link download our app for android") 

[  ](https://www.virginaustralia.com/) [  ](https://www.velocityfrequentflyer.com/) 

* [  ](https://www.facebook.com/virginaustralia/ "Facebook")
* [  ](https://www.instagram.com/virginaustralia/ "Instagram")
* [  ](https://au.linkedin.com/company/virgin-australia "LinkedIn")
* [  ](https://twitter.com/VirginAustralia "X")

* [ Conditions of carriage](https://www.virginaustralia.com/au/en/about-us/policies/legal/conditions-of-carriage/ "Conditions of carriage")
* [ Privacy](https://www.virginaustralia.com/au/en/about-us/policies/privacy/ "Privacy")
* [ Terms of use](https://www.virginaustralia.com/au/en/about-us/policies/legal/terms-of-use/ "Terms of use")
* [ Cookies policy](https://www.virginaustralia.com/au/en/about-us/policies/privacy/cookies-policy/ "Cookies policy")
* [ Sustainability](https://www.virginaustralia.com/au/en/about-us/sustainability/ "Sustainability")
* [ Legal policies](https://www.virginaustralia.com/au/en/about-us/policies/legal/ "Legal policies")

 © Virgin Australia Airlines Pty Ltd ABN 36 090 670 965

 Website feedback 

© Virgin Australia Airlines Pty Ltd ABN 36 090 670 965

[  ](#) 

In the spirit of reconciliation, Virgin Australia acknowledges the Traditional Custodians of Country throughout Australia and their connections to land, sea, sky and community. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

---

# Source: http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ee&s=nQY7LsrMQDLOXHqRGnAB0YoEU5W4ZVwfl6FwCbErj-M

Style

Info-Details

# Important information

Here's where you'll find links to terms and conditions and information about our Virgin Money and our products.

### Banking Code of Practice

Read the Banking Code of Practice

_[Banking Code of Practice{icon-button}](http://t.e.velocityfrequentflyer.com/about-us/banking-code-of-practice)_

### Target Market Determinations

Find more information about our Virgin Money products.

_[Target Market Determination{icon-button}](http://t.e.velocityfrequentflyer.com/tmd)_

### Financial Difficulty Assistance

We’re here to help if you are struggling to meet your financial commitments.

_[Find support{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/assistance/support-and-assistance)_

### Feedback and Complaints

We're here to listen to your experiences, good or bad.

_[Leave feedback or a complaint{icon-button}](http://t.e.velocityfrequentflyer.com/contact-us/feedback-and-complaints)_

### Availability of Payment Services

Availability of Payment Services to Individuals and Businesses Provided by Virgin Money.

_[Payment services{icon-button}](http://t.e.velocityfrequentflyer.com/about-us/availability-of-payment-services)_

### Privacy and security

Privacy and security information.

_[Privacy and security{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/privacy-and-security/)_

Style

layout-cols-33-66, small-button

## Terms and Conditions

#### Transaction & Savings Accounts

Find the the terms and conditions that apply to our Virgin Money Go, Grow and Boost Accounts.

_[Bank & Save{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/bank-and-save)_

#### Credit Cards

Find the the terms and conditions that apply to our credit cards.

_[Credit card{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/credit-cards)_

#### Home Loans

Find the terms and conditions that apply to our Reward Me Home Loan and Companion Account.

_[Home loan{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/home-loans)_

#### Superannuation

Find forms and key information about Virgin Money Super.

_[Superannuation{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/superannuation)_

#### Home & Contents Insurance

Find important documents to understand Virgin Home and Contents Insurance.

_[Home & Contents{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/insurance/insurance-support-auto-general/)_

#### Car Insurance

Find important documents to understand Virgin Car Insurance.

_[Car Insurance{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/insurance/insurance-support-auto-general/)_

#### Life Insurance

Find important documents to understand our Life Insurance product.

_[Life Insurance{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/life-insurance)_

#### Income Protection

Find important documents to understand our Income Protection Insurance product.

_[Income Protection{icon-button}](http://t.e.velocityfrequentflyer.com/help-and-support/forms-and-important-information/income-protection)_

---

# Source: https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/terms-and-conditions/

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         * [ Holidays in Hamilton Island ](https://www.virginaustralia.com/en-au/holidays-in-hamilton-island)  
         * [ Holidays in Cairns ](https://www.virginaustralia.com/en-au/holidays-in-cairns)  
         * [ Holidays in Gold Coast ](https://www.virginaustralia.com/en-au/holidays-in-gold-coast)  
         * [ Holidays in New Zealand ](https://www.virginaustralia.com/en-au/holidays-in-new-zealand)
* Explore  
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         * [ Destinations ](https://www.virginaustralia.com/au/en/explore/travel-inspiration/travel-tips/)  
         * [ Travel inspiration ](https://www.virginaustralia.com/au/en/explore/travel-inspiration/destinations/)  
         * [ Qatar Airways partnership ](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/qatar-airways-partnership/)  
         * [ Book flights ](https://www.virginaustralia.com/au/en/flights/)  
   * [ Popular domestic routes ](https://www.virginaustralia.com/au/en/explore/popular-routes/)  
         * [ Sydney to Melbourne ](https://www.virginaustralia.com/en-au/flights-from-sydney-to-melbourne)  
         * [ Sydney to Brisbane ](https://www.virginaustralia.com/en-au/flights-from-sydney-to-brisbane)  
         * [ Melbourne to Sydney ](https://www.virginaustralia.com/en-au/flights-from-melbourne-to-sydney)  
         * [ Melbourne to Brisbane ](https://www.virginaustralia.com/en-au/flights-from-melbourne-to-brisbane)  
         * [ Brisbane to Sydney ](https://www.virginaustralia.com/en-au/flights-from-brisbane-to-sydney)  
         * [ Adelaide to Melbourne ](https://www.virginaustralia.com/en-au/flights-from-adelaide-to-melbourne)  
         * [ Perth to Melbourne ](https://www.virginaustralia.com/en-au/flights-from-perth-to-melbourne)  
   * [ Popular international routes ](https://www.virginaustralia.com/en-au/flights-international)  
         * [ Sydney to Bali flights ](https://www.virginaustralia.com/en-au/flights-from-sydney-to-bali-dps)  
         * [ Melbourne to Bali flights ](https://www.virginaustralia.com/en-au/flights-from-melbourne-to-bali-dps)  
         * [ Brisbane to Bali flights ](https://www.virginaustralia.com/en-au/flights-from-brisbane-to-bali-dps)  
         * [ Sydney to Fiji flights ](https://www.virginaustralia.com/en-au/flights-from-sydney-to-fiji)  
         * [ Melbourne to Fiji flights ](https://www.virginaustralia.com/en-au/flights-from-melbourne-to-fiji)  
         * [ Brisbane to Fiji flights ](https://www.virginaustralia.com/en-au/flights-from-brisbane-to-fiji)  
         * [ Sydney to London flights ](https://www.virginaustralia.com/en-au/flights-from-sydney-to-london)  
         * [ Melbourne to London flights ](https://www.virginaustralia.com/en-au/flights-from-melbourne-to-london)
* Travel info  
   * [ Flying with us ](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/)  
         * [ Fare types ](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/fare-types/)  
         * [ Our fleet ](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/our-fleet/)  
         * [ Agency Hub ](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/agency-hub/)  
         * [ Airline partners ](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/airline-partners/)  
         * [ Qatar Airways partnership ](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/qatar-airways-partnership/)  
   * [ Specific travel ](https://www.virginaustralia.com/au/en/travel-info/specific-travel/)  
         * [ Specific needs and assistance ](https://www.virginaustralia.com/au/en/travel-info/specific-travel/specific-needs-assistance/)  
         * [ Flying with kids ](https://www.virginaustralia.com/au/en/travel-info/specific-travel/children/)  
         * [ Pet travel ](https://www.virginaustralia.com/au/en/travel-info/specific-travel/pets/)  
         * [ Charters ](https://www.virginaustralia.com/au/en/travel-info/specific-travel/charters/)  
         * [ Group travel ](https://www.virginaustralia.com/au/en/travel-info/specific-travel/group-travel/)  
   * [ Baggage ](https://www.virginaustralia.com/au/en/travel-info/baggage/)  
         * [ Baggage on partner airline flights ](https://www.virginaustralia.com/au/en/travel-info/baggage/airline-partners/)  
         * [ Carry-on baggage ](https://www.virginaustralia.com/au/en/travel-info/baggage/carry-on-baggage/)  
         * [ Checked baggage ](https://www.virginaustralia.com/au/en/travel-info/baggage/checked-baggage/)  
         * [ Dangerous goods ](https://www.virginaustralia.com/au/en/travel-info/baggage/dangerous-goods/)  
         * [ Baggage tracking ](https://www.virginaustralia.com/au/en/travel-info/baggage/baggage-tracking-faq/)  
   * [ Day of travel ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/)  
         * [ Check-in ](https://www.virginaustralia.com/au/en/travel-info/bookings/check-in/)  
         * [ Lounges ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/)  
         * [ Connecting flights ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/connecting-flights/)  
         * [ Airport guides ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/guides/)  
         * [ Transfer maps ](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/transfer-maps/)  
         * [ Delayed, cancelled and disrupted flights ](https://www.virginaustralia.com/au/en/book/manage-booking/disruption-info/)  
   * [ Onboard experience ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/)  
         * [ Cabin classes ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/cabin-classes/)  
         * [ Economy X ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/economyx/)  
         * [ Onboard menu ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/on-board-menu/)  
         * [ In-flight entertainment ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/in-flight-entertainment/)  
         * [ Seat selection ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/seat-selection/)  
         * [ Neighbour-Free Seating ](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/neighbour-free-seating/)  
   * [ International travel ](https://www.virginaustralia.com/au/en/travel-info/international-travel/)  
         * [ Travel and entry requirements ](https://www.virginaustralia.com/au/en/travel-info/international-travel/travel-entry/)
* Fly for business  
   * [ Virgin Australia Business Flyer ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/)  
         * [ About the program ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/)  
         * [ Join Virgin Australia Business Flyer ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/business-flyer-application/)  
         * [ Partner offers ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/partner-offers/)  
         * [ Log in ](https://businesslogin.virginaustralia.com/Account/Login?ReturnUrl=%2F)  
         * [ Priority Benefits ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/priority-benefits/)  
         * [ How to redeem your Points ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/redeeming-points/)  
         * [ Manage travel ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/manage-travel/)  
         * [ Flight savings and Points ](https://www.virginaustralia.com/au/en/fly-for-business/business-flyer/member-discounts/)  
   * [ Virgin Australia Corporate Travel ](https://www.virginaustralia.com/au/en/fly-for-business/corporate-travel/)  
         * [ About the program ](https://www.virginaustralia.com/au/en/fly-for-business/corporate-travel/)  
         * [ Enquire now ](https://www.virginaustralia.com/au/en/forms/corporate-air-agreement-form/)
* Velocity  
   * [ Velocity ](https://www.velocityfrequentflyer.com/)  
         * [ Earning points ](https://www.velocityfrequentflyer.com/the-basics/earning-points)  
         * [ Redeeming Points ](https://www.velocityfrequentflyer.com/the-basics/redeeming-points)  
         * [ Transferring Points ](https://www.velocityfrequentflyer.com/the-basics/transferring-points)  
         * [ Buying Points ](https://www.velocityfrequentflyer.com/the-basics/buying-points/?utm%5Fsource=web&utm%5Fmedium=vamenu&utm%5Fcampaign=nil)  
   * [ Frequent Flyer Credit Cards ](https://www.velocityfrequentflyer.com/frequent-flyer-credit-cards)  
         * [ Transfer credit card points ](https://www.velocityfrequentflyer.com/frequent-flyer-credit-cards/partner-cards)  
         * [ Points earning credit cards ](https://www.velocityfrequentflyer.com/frequent-flyer-credit-cards/direct-earn-cards)  
   * [ Partners & Offers ](https://www.velocityfrequentflyer.com/partners-offers/offers)  
         * [ All Velocity Partners ](https://www.velocityfrequentflyer.com/partners-offers/all-partners)  
         * [ Special Offers ](https://www.velocityfrequentflyer.com/partners-offers/offers)  
   * [ Flying and Status ](https://www.virginaustralia.com/au/en/velocity/flying-and-status/)  
         * [ Status membership ](https://www.velocityfrequentflyer.com/the-basics/status)  
         * [ How to use Points for flights ](https://www.velocityfrequentflyer.com/flying-status/use-points-for-flights)  
         * [ Velocity Airline Partners ](https://www.velocityfrequentflyer.com/flying-status/airline-partners)  
         * [ Silver Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/silver-membership)  
         * [ Gold Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/gold-membership)  
         * [ Platinum Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/platinum-membership)  
         * [ Platinum Plus Membership ](https://www.velocityfrequentflyer.com/flying-status/flying-with-status/platinum-plus-membership)  
   * [ Shopping Partners ](https://www.velocityfrequentflyer.com/partners-offers/all-partners#shop-wine-dine)  
         * [ Velocity Store Marketplace ](https://www.velocityfrequentflyer.com/store)  
         * [ Velocity Store Shop & Earn ](https://www.velocityfrequentflyer.com/store/shop-and-earn)  
         * [ Velocity Wine Store by Laithewaite's ](https://www.velocitywinestore.com.au/)

[ Help ](https://www.virginaustralia.com/au/en/help/) [ Check-in ](https://check-in.virginaustralia.com/checkin/index.html#/login) [ Flight status ](https://www.virginaustralia.com/au/en/flight-status/) 

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# Terms and conditions

**These Lounge Terms and Conditions contain important terms that you should be aware of.**

Specifically:

* Clause 4 sets out limitations on our liability to you in respect of your use of certain services and facilities, your access of computer facilities and internet in the Lounge (if applicable), as well as our right to withdraw, cancel or change in any way access to or use of the services and facilities offered in the Lounge.
* Clause 5.1, among other items, provides that access to the Lounge may be unavailable, restricted, limited or withdrawn at any time for operational reasons, and Virgin Australia Lounge staff may refuse entry to you or require you to immediately leave the Lounge at any time if you do not comply with these terms and conditions.
* Clause 6.1 sets out limitations for Single Entry access.
* Clause 8 states where we will or will not provide refunds or extensions of the Lounge Membership fee or joining fee.
* Clause 9 outlines the circumstances in which Lounge Membership may be terminated or suspended and the processes we follow in taking this action.
* Clause 10 sets out limitations on our liability to you when accessing the Lounge.
* Clause 11 says that we collect your personal information so that we can provide services to you. It also says we will collect and handle your personal information in accordance with our [Privacy Policy](https://www.virginaustralia.com/au/en/about-us/policies/privacy/privacy-policy/).

## 1\. Introduction

#### 1.1 General

(a) These Terms and Conditions govern Lounge Membership and use of and access to the Lounge.  
  
 (b)You and Us are responsible for complying with these Terms and Conditions. The Terms and Conditions that apply to Lounge access are those in force at the time of entry to the Lounge. 

(c) Your Lounge access is subject to these Terms and Conditions and any applicable law.

(d) You have certain rights under the Australian Consumer Law. These include Consumer Guarantees that the services we provide to you will be carried out by us with due care and skill, will be fit for the purpose we disclose and will be supplied within a reasonable time. Where we fail to provide services to you in accordance with these Consumer Guarantees or otherwise in accordance with these Terms and Conditions, then you may have a right to seek a remedy from us in accordance with the Terms and Conditions, our policies, and any applicable law, including the Australian Consumer Law. Nothing in these Terms and Conditions excludes or limits the Consumer Guarantees or any other statutory rights that you may have under applicable laws (including the Australian Consumer Law) that cannot be excluded. You can find out more about the [Consumer Guarantees ](https://www.virginaustralia.com/au/en/about-us/policies/legal/guarantees/)here. This is a summary of some of your rights under the Australian Consumer Law. It is not an exhaustive list and is not legal advice.

#### 1.2 Changes to these Terms and Conditions

(a) Virgin Australia may vary these Terms and Conditions from time to time. We will act reasonably in making changes and will publish changes to the Terms and Conditions on [www.virginaustralia.com/thelounge](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/).

(b) If we make a material change to the Terms and Conditions or the services or facilities offered or available to you, we will try to give Members and Velocity Members who have access to the Lounge through their Velocity Membership level at least 30 days’ notice using the email address recorded in your Velocity Account. However, we may give you less or no notice if we need to make urgent changes, such as to comply with applicable Laws, or where we cannot control the timing of a change (for example, due to arrangements with third parties). If we make a material change that affects your current Membership, and you no longer wish to continue with your Membership, you may be entitled to terminate your Membership and receive a pro-rata refund under clause 8(e).

## 2\. Definitions

In these Terms and Conditions, unless the context otherwise requires:

(a) **Domestic Flight** means a flight originating or terminating within Australia, which is operated by a Virgin Australia group airlines, selected Alliance Airlines and Link Airways operated Virgin Australia flights, or selected partner airline (as advised by us from time to time).

(b) **Eligible Flight** means an individual’s:

(i) Domestic Flight for travel on the same day; or  
 (ii) International Flight for travel on the same day.

(c) **Eligible** **Partner Airline Status Member** means any person who holds the relevant status of loyalty with selected partner airlines where Virgin Australia has an agreement to allow these people entry into a Lounge. For a list of selected partner airlines, refer to [Virgin Australia's airport lounges](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/).

(d) **Eligible** **Partner Credit Card Holder** means a person who holds an eligible credit card which provides Lounge access while the eligible credit card is valid.

(e) **Guest** **or you** means any individual who is eligible to access the Lounge, including but not limited to Members, Invited Guests, Velocity Members, Single Entry guests, Business Class passengers, Eligible Partner Credit Card Holders, and Eligible Partner Airline Status Members.

(f) **Individual Member** means a person who pays the applicable Membership fee and joining fee and is not a Lifetime Member or Scheme Member.

(g) **International Flight** means a flight originating or terminating in Australia that is not a Domestic Flight, which is operated by a Virgin Australia group airline or selected partner airline (as advised by us from time to time).

(h) **Invited Guest** means a person who enters a Lounge as a guest of a Lounge Member, Velocity Gold Member, Velocity Platinum Member, Eligible Partner Airline Status Member or Eligible Partner Credit Card Holder.

(i) **Lifetime Member** means a person who pays the applicable Membership fee and has a continuous Membership to the Lounge for the duration of their natural life, for as long as Virgin Australia operates airport Lounges.

(j) **Loss** means any loss, damage, cost, or expense, including consequential or indirect loss, loss of savings, business opportunities, revenue, profit and/or damage to goodwill.

(k) **Lounge** means lounges located in Australian domestic ports operated by Virgin Australia.

(l) **Member** means a member of the Lounge and includes an Individual Member, Lifetime Member, Senior Lifetime Member and Scheme Member. It does not include a Velocity Gold Member, Velocity Platinum Member, a guest using a Single Entry or Invited Guest.

(m) **Membership** means membership held by a Member to access the Lounges.

(n) **Membership Card** means a Velocity Frequent Flyer Membership card, or Virgin Australia Lounge Membership card, whichever is applicable, in either digital or physical format.

(o) **Occupant** means a Guest who has entered and is occupying a Lounge.

(p) **Scheme or Scheme Membership** means a type of Membership for which a corporate, government or industry association that has entered into an agreement with Virgin Australia to provide discounted Lounge Membership to individuals from that association.

(q) **Scheme Member** means a nominated individual from a corporate, government or industry association who are eligible for discounted Lounge Membership and pays the applicable Membership fees (and joining fee, if applicable).

(r) **Senior Lifetime Member** is a Lifetime Member who is aged 60 years and over at the time they become a Lifetime Member.

(s)   **Single Entry** means a one-off entry to a Lounge at eligible domestic ports, which has been purchased at a Lounge reception, or is provided as a benefit of:

(i) being a Velocity Silver Member; (ii) a participating credit card provider; or

(iii) the Virgin Australia Business Flyer program.

(t) **Velocity** or **Velocity Frequent Flyer** means the loyalty program of the Virgin Australia which is owned and operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.

(u) **Velocity Account** means the account setting out the details of a Velocity Membership including Velocity Points, Status Credits, and Single Entries.

(v) **Velocity Gold Member** means a Velocity Member who has earned, in the previous 12 months, the number of Status Credits required to upgrade to, or maintain, Velocity Gold Membership level and who is provided complimentary Lounge access as a membership benefit. 

(w) **Velocity Member** means a current member of Velocity.

(x) **Velocity Platinum Member** means a Velocity Member who has earned, in the previous 12 months, the number of Status Credits required to upgrade to, or maintain, Velocity Platinum Membership level and who is provided complimentary access to the Lounge as a membership benefit.

(y)   **Velocity Silver Member** means a Velocity Member who has earned, in the previous 12 months, the number of Status Credits required to upgrade to, or maintain, Velocity Silver Membership level and who is provided two complimentary Single Entry Lounge passes as a membership benefit.

(z) **Virgin Australia**, **us,** or **we,** means Virgin Australia Airlines Pty Ltd ABN 36 090 670 965.

## 3\. Virgin Australia Lounge Membership

#### 3.1 General

(a) Membership will be valid as follows:

* For Individual Members, for 12 months from the date the Membership is purchased.
* For Lifetime Members and Senior Lifetime Members, for the duration of their natural life, for as long as Virgin Australia operates airport Lounges.
* For Scheme Members, from the date the nominated individual purchases a Scheme Membership, to the date that is stipulated as the expiry date under the Scheme’s agreement with Virgin Australia.

Members will be required to pay the applicable Membership fee (and joining fee, if applicable) published at the time they purchase or renew the Membership.

(b) Subject to clause 3.3:

(i) Membership is not transferable; and

(ii) renewal of Membership, and payment of the Membership fee is due upon the anniversary of the Member's date of joining. Where possible, we will provide you with a reminder of your Membership expiry date prior to the expiry of Your Membership. If Membership is not renewed within one month of its expiry, any subsequent application for its renewal will be subject to payment of the applicable joining fee in addition to the Membership fee. If Membership is renewed within one month of its expiry, the renewal will be backdated to the expiry date of the Membership.

(c) When we accept an application for Membership, we will provide you with a digital Membership Card, in your name, that allows you to access the Lounge when flying on an Eligible Flight. Your Membership is only valid for use by you.

(d) You must take reasonable steps to prevent unauthorised use of your Membership and must notify us as soon as possible if your account or Membership Card is compromised.

(e) You are responsible for ensuring that the details in your Velocity profile are accurate at all times. You must promptly advise of any change to your contact details by updating the 'My Details' section in your [Velocity Account](https://www.velocityfrequentflyer.com/ "Velocity Account") or by calling the Velocity Membership Contact Centre on 13 18 75\. To the extent permitted by law, Virgin Australia excludes liability for any Loss suffered by you because you have failed to advise Us of any changes to your details. 

#### 3.2 Individual Members and Lifetime Members

(a) Individual Members and Lifetime Members must be Velocity Members, and over 18 years of age. You may be required to provide proof of age at any time during your Membership upon our reasonable request.

(b) Senior Lifetime Members must be Velocity Members and aged over 60 years of age. Proof of age is required at the time of purchase for Senior Lifetime Membership.

#### 3.3 Scheme Membership

(a) Scheme Membership is available to nominated individuals from Schemes that have entered into an agreement with Virgin Australia to provide discounted Lounge Memberships to individuals from that Scheme. Nominated individuals must be Velocity Members to be eligible to receive a Scheme Membership. Once nominated, an individual has 30 days to purchase a Lounge Membership within the applicable Scheme before the nomination expires. Lounge Memberships associated with Schemes may have a common user expiry date, regardless of the date that nominated individuals purchase or renew Lounge Membership. Renewal of Membership and payment of the Membership fee is due upon the anniversary of the Member's date of joining or the common user expiry date (whichever is applicable).

(b) An individual’s Lounge Membership may be transferred to another individual from the same Scheme once per year, by contacting the Scheme coordinator and paying the applicable administration fee advised at the time of transfer.

(c) The Scheme coordinator is the administrative contact for all Scheme Members from that Scheme.

## 4\. Virgin Australia Lounge Facilities and Services

#### 4.1 Changes

(a) It is important to understand that the services, facilities, and benefits of the Lounge may change over time.

(b) Subject to clause 4.1(c), Virgin Australia, acting reasonably, reserves the right to withdraw, cancel, or change in any way the services and facilities offered or advertised as available to any Occupant by virtue of their Membership or of their access or entry to the Lounge under these Terms and Conditions. 

(c) Virgin Australia will use reasonable endeavours to advise you of any material changes to the services and facilities offered or available to You in connection with your access or entry to the Lounge in accordance with clause 1.2(b) of these Term and Conditions. If we make a material change that affects your current Membership, and you no longer wish to continue with your Membership, you may be entitled to terminate your Membership and receive a pro-rata refund under clause 8.1(e).

(d) Some of the services and facilities offered in the Lounge are provided by third party suppliers. We cannot guarantee that services and facilities offered by third party suppliers will continue to be available.

(e) Access to computer facilities and the internet may be available in the Lounge and is subject to availability. Virgin Australia does not represent or warrant that the computer facilities or internet access offered through the Lounge are free from computer viruses or other defects. To the extent permitted by law, Virgin Australia excludes liability for:

(i) any third party content on the internet that you may find offensive, upsetting, or defamatory. You are responsible for maintaining the security of all log-in identification information made available to you to access the internet or computer facilities in the Lounge.

(ii) any security breaches suffered by you when using the internet, including personal or information security breaches, and is not liable for any Loss suffered as a result of the unavailability of the internet or computer facilities, including interruptions during use.

(f) Meeting rooms may be available in some Lounges, subject to availability and payment of the applicable meeting room booking fee. Location of meeting rooms can be found at [Virgin Australia's airport lounges](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/). Meeting rooms can be booked by contacting the Guest Contact Centre on 13 67 89 or speaking to Lounge team members at reception. Fees are subject to change at any time and will be published on the Virgin Australia website.

(g) Guests accessing the Lounge shall not make any audio recording or copy of the music playlists broadcast within the Lounge. Any such content must be deleted upon reasonable request by Lounge staff.

## 5\. Access to the Virgin Australia Lounge

#### 5.1 General

(a) Virgin Australia Lounge operating hours may vary without notice.

(b) Access to the Lounge and its services and facilities is subject to availability, and may be unavailable, restricted, limited or withdrawn at any time for capacity or operational reasons. During peak periods or when the Lounge is at or nearing capacity, priority will be given to Guests travelling in Business class, Lounge Members, Velocity Gold Members and Velocity Platinum Members with same day, onward travel on an Eligible Flight. Access for Single Entry, Eligible Partner Credit Card Holders, Eligible Partner Airline Status Member and complimentary or additional Guests may be restricted during these periods.

(c) All Guests must:

(i) use the Lounge and its services and facilities appropriately and safely at all times

(ii) drink responsibly within the Lounge

(iii) unless permitted for takeaway as indicated in the Lounge, consume all food and beverages made available in the Lounge within the Lounge

(iv) behave in a way that is respectful of all staff, other Members and Guests, and follow any reasonable directions and instructions from Virgin Australia staff

(v) take responsibility for their belongings while inside the Lounge; and

(vi) comply with smart casual dress standards at all times.

(d) All Guests aged under 18 years:

(i) must be accompanied by an adult when visiting the Lounge; and

(ii) are not permitted to access alcohol from the self-service bar.

(e) Subject to your rights under applicable Laws, Virgin Australia Lounge staff may refuse entry to any individual or require an Occupant to immediately leave the Lounge at any time if, in their reasonable opinion, the Member has not or will not comply with these Terms and Conditions.

(f) Guests are responsible for ensuring their arrival at the domestic boarding gate for their departing flight at least 15 minutes prior to the scheduled departure time for their flight.

#### 5.2 Access on departure

(a) Guests (excluding guests with a purchased Single Entry or Eligible Partner Credit Card Holders) may access the Lounge in the relevant departure port when travelling on an Eligible Flight, on the day of departure of the Eligible Flight.

(b) Guests accessing the Lounge with a purchased Single Entry or as an Eligible Partner Credit Card Holder may only access the Lounge in the relevant departure port when travelling on an Eligible flight, up to two hours prior to their scheduled departure time of their Eligible Flight.

#### 5.3 Access on arrival

(a) Subject to space availability, Guests (excluding those Guests named in clause 5.3(b)) may access the Lounge in their arrival port immediately upon arrival of an Eligible Flight that has been travelled on that day. Access to the Lounge on arrival is only available for up to 60 minutes immediately after the arrival of the Domestic Flight.

(b) Lounge access on arrival is not available to:

(i) Eligible Partner Airline Status Members (except for Virgin Atlantic Flying Club members);

(ii) Eligible Partner Credit Card Holders; and

(iii) All guests with a Single Entry, including Velocity Silver Members.

#### 5.4 Identification requirements

(a) In order to access the Lounge, Members, Velocity Platinum Members, Velocity Gold Members, Business Class passengers, Eligible Partner Credit Card Holders and Eligible Partner Airline Status Members must provide satisfactory proof of identity of their eligibility to access the Lounge. Satisfactory proof of identity may include:

(i) their itinerary or boarding pass for an Eligible Flight which is linked to their Velocity Account

(ii) their Membership Card

(iii) Membership number (required for Single Entry); or

(iv) for Eligible Partner Credit Card Holders, their valid, physical credit card which shows a current expiry date.

#### 5.5 Invited Guest access

(a) Invited Guest access to the Lounge is subject to space availability at all times and may not be available during peak periods and high-capacity utilisation of Lounges.

(b) Invited Guests must be always accompanied by a Member, Velocity Platinum Member, Velocity Gold Member, Eligible Partner Airline Status Member or Eligible Partner Credit Card Holder while in the Lounge. Members, Eligible Partner Airline Status Members and Eligible Partner Credit Card Holders are responsible for ensuring that Invited Guests comply with these Terms and Conditions.

(c) Invited Guests of Members, Velocity Platinum Members and Velocity Gold Members do not need to be travelling to access the Lounge.

(d) Invited Guests of Eligible Partner Airline Status Members or Eligible Partner Credit Card Holders must be travelling on an Eligible Flight to access the Lounge.

(e) Additional Invited Guests (adults and children aged between 2 and 17 years) exceeding the limit of a Member’s or other Guest’s complimentary allowance will be charged an entry fee at the Lounge reception. A fee will not be charged for Invited Guests who are children under the age of 2 years.

(f) Individuals who are not eligible to enter the Lounge in their own right are not permitted to solicit entry by asking Members or Guests to enter as an Invited Guest. Individuals who solicit entry in this way may be refused entry to the Lounge at the time or in the future. If Members choose to allow individuals soliciting entry into the Lounge as an Invited Guest, the Member is responsible for the individual, including ensuring that the individual complies with these Terms and Conditions and any reasonable direction of Virgin Australia Lounge staff.

(g) Complimentary allowance access for Invited Guests to a Lounge is as follows:

| Member/Guest type                                                     | Number of complimentary Invited Guests | Number of children |
| --------------------------------------------------------------------- | -------------------------------------- | ------------------ |
| _**When travelling on an Eligible Flight departing on the same day**_ |                                        |                    |
| Member                                                                | 1                                      | 3                  |
| Velocity Platinum Member                                              | 3                                      | 3                  |
| Velocity Gold Member                                                  | 1                                      | 3                  |

## 6\. Single Entry passes

#### 6.1 General

(a) Single Entry is valid as follows:

(i) A Single Entry pass provided as part of a Velocity Silver Membership is valid for 12 months from the date of issue; or

(ii) All other Single Entry passes must be used prior to or on the date of expiry specified for that Single Entry.

(b) An individual with a Single Entry can access the Lounge as a Single Entry guest when travelling on an Eligible Flight. Single Entry passes are only valid for access on departure and at the departure port specified on the Single Entry pass.

(c) Single Entry access is subject to space availability at all times and may not be available for use during peak periods and high-capacity utilisation of Lounges.

#### 6.2 Identification requirements

(a) In order to access the Lounge, Single Entry guests must provide satisfactory proof of identity of their eligibility to access the Lounge. Satisfactory proof of identity may include:

(i) their itinerary or boarding pass for an Eligible Flight; or

(ii) Velocity Membership number (if they are a Velocity Member).

(b) Velocity Membership is not required to purchase Single Entry. If you are using an electronic Single Entry and do not have your Membership Card, you will need to verify your identity in order to use the Single Entry to enter the Lounge. If you are unable to provide us with sufficient identification, you may not be able to use your electronic Single Entry.

#### 6.3 Single Entry Guest access

(a) Single Entry may be allocated to you electronically if you have a Velocity Membership. In this case, your Single Entry pass will appear in your Velocity Account. You can check how many unused electronic Single Entries you have and the expiry date of each Single Entry by logging into your Velocity Account.

(b) You cannot transfer Single Entry to other people (for example, to other Velocity Members) but you can use your Single Entry to enable other people who are travelling with you to gain access to the Lounge. Lounge Terms and Conditions, including this clause 6, will apply to all individuals who access a Lounge using a Single Entry pass, regardless of whether or not the individual is named on the Single Entry pass.

## 7\. Fees & Taxes

(a) Virgin Australia may amend the joining fee and Membership fee from time to time, including for Scheme Members or for a specific Scheme. 

(b) Virgin Australia reserves the right to change or introduce new fees in relation to any of the services provided in the Lounge at any time and will provide reasonable notice in accordance with clause 4.1(c). Details of current applicable fees are available at [www.virginaustralia.com/thelounge](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/).

(c) Virgin Australia accepts no responsibility for and makes no representation about your tax liability as a result of Membership or use of the Lounge or any services or facilities in the Lounge. You are solely responsible for any taxes, GST, duties, levies, fees, or other charges levied or imposed arising from, as a result of or in connection with your Membership or use of the Lounge. Virgin Australia recommends that you consult your professional accountant or tax adviser to ensure you understand possible tax (including without limitation, income tax, fringe benefits tax, or any liability or loss of opportunity due to reportable fringe benefits) implications, if any, related to your Membership.

## 8\. Refunds

(a) Subject to this clause and to the extent permitted by law including the Australian Consumer Law, this clause sets out when you may be entitled to request a refund of the amount you have paid for your Membership or Single Entry. You may also have a right to request a refund of these fees under applicable laws, including the Australian Consumer Law. See clause 1.1(d) for more information.

(b) **Individual Members, Lifetime Members and Senior Lifetime Members**

\-Should these Members request to cancel their Membership within 14 days of purchasing their Membership, and the Member has not yet accessed any Lounge, Virgin Australia will cancel the Membership and refund the Membership fee (and joining fee, if applicable). 

\-If the Member requests to cancel their Membership:

* within 14 days of purchasing their Membership, but has accessed a Lounge(s); or
* more than 14 days after purchasing their Membership,

subject to its rights under Australian Consumer Law, the Member is not entitled to receive a refund. If We choose to exercise our discretion and provide a refund, we may deduct a cancellation fee of $99 from the refunded amount to cover administration costs incurred in connection with the cancellation/refund.

(c) **Purchased Single Entry**:Subject to clause 13 and to the extent permitted by law:

\-If you fail to use your purchased Single Entry, you will only be eligible for a refund if:

* you cancelled your flight booking in line with your fare rules
* your flight was delayed or cancelled by Virgin Australia, and you chose to cancel your booking in line with the Guest Compensation Policy
* you purchase an upgrade to Business class through UpgradeMe Premium Bid and UpgradeMe Points; or
* entry to the Lounge was not permitted due to space not being available.

(d) Other than as expressly provided for in these Terms and Conditions, Virgin Australia does not provide refunds or extensions of Membership because Members become eligible for Lounge access for other reasons, including where you have changed your mind, or your Velocity Membership status has changed.

(e) If Virgin Australia makes a material change to these Terms and Conditions, or to the benefits, facilities or services of the Lounge, and the change adversely affects the Member’s intended use of, or benefit under, the Membership, the Member will have the option of cancelling their Membership within 45 days of the change taking effect and receiving a pro-rata refund of the Membership fee for the remaining period of the Membership (unless the Member is entitled to a full refund under the Australian Consumer Law). 

(f) In the event that a Membership is cancelled by Virgin Australia under these Terms and Conditions, a pro rata refund of the Membership fee will be made for any remaining period of Membership (unless the Member is entitled to a full refund under the Australian Consumer Law) except where the Membership is cancelled because the Member has:

(i) committed a material breach of these Terms and Conditions

(ii) been refused carriage on a Virgin Australia flight under paragraphs 14.2 or 14.3 of Virgin Australia’s Conditions of Carriage

(iii) abused or damaged any facilities, equipment or goods owned by Virgin Australia or a third party (including another Occupant)

(iv) displayed or engaged in inappropriate behaviour in the Lounge or on a Virgin Australia flight and has refused to stop the behaviour after being requested to do so by Virgin Australia Lounge staff

(v) engaged in, or suspected to be engaged in, illegal activities whilst within the Lounge

(vi) supplied or attempted to supply misleading information, or made any misrepresentation, to Virgin Australia

(vii) engaged in theft of the property of Virgin Australia, or an Occupant; or

(viii) abused or intimidated Lounge staff or the staff of any suppliers.

(g) Membership will automatically terminate on the death of a Member and the Membership fee, and any joining fee, will be forfeited. Membership cannot be transferred to executors, administrators, or beneficiaries of an estate.

## 9\. Termination

(a) We cannot guarantee that Virgin Australia will offer or operate the Lounge (or any particular Lounge) forever. If Virgin Australia terminates, ceases to operate, or materially alters the operation of, the Lounge (or any particular Lounge), Virgin Australia will use its best endeavours to give reasonable notice of any such action by publishing a notice on the Virgin Australia website. We will also directly provide current Members or other Guests who have Lounge access because of their Velocity Membership with reasonable written notice of any such action using the email recorded in the Member’s Velocity account. We will act reasonably when considering what action is appropriate and reasonable.

(b) Virgin Australia reserves the right to terminate or suspend the Membership of any Member if Virgin Australia is reasonably of the opinion that the Member’s conduct falls within the circumstances listed in clause 8(f), or the Membership has been purchased in illegal or fraudulent circumstances. Virgin Australia will give such notice to the Member of the termination or suspension as is reasonably practicable in the circumstances.

(c) On termination of Membership for any reason, all benefits associated with Membership of the Lounge will cease.

## 10\. Limitation of Liability

(a) These Terms and Conditions (as amended from time to time) set out the entire agreement with you regarding your Membership and entry to and use of the Lounge. However, nothing limits our liability for representations or other communications (either written or oral) made by Virgin Australia where such liability cannot be excluded by law.

(b) Except where we have specified in these Terms and Conditions or where the law does not permit us to limit or exclude our liability, whether under the Australian Consumer Law or otherwise, we exclude our liability for:

(i) any Loss you incur as a result of, or in connection with, your Membership, your access to the Lounge, or these Terms and Conditions; and

(ii) any Loss suffered in relation to the supply of goods or services by third parties.

(c) To the extent permitted by law, Virgin Australia will not be liable for any Loss whatsoever which you or anyone else may suffer as a result of any termination or suspension of your Membership.

## 11\. Privacy & Electronic Messages

(a) You agree that your personal information will be managed in accordance with our Privacy Policy, available at [https://www.virginaustralia.com/au/en/about-us/legal-policies/privacy/privacy-policy/](https://www.virginaustralia.com/au/en/about-us/policies/privacy/privacy-policy/). If you would like to receive our Privacy Policy by post, please contact our Guest Contact Centre on 13 67 89.

(b) We are required to collect your personal information in order to process your application for Membership and to communicate with you about your Membership. If we cannot collect from you the minimum amount of personal information required to process your application for Membership, we will not be able to provide you with Membership.

(c) You consent to receive electronic messages and marketing communications from Virgin Australia containing marketing and promotional material, and subject to any applicable law, agree that we do not need to include an "unsubscribe" facility in any electronic message sent to you for the purposes of the Spam Act 2003 (Cth). The consent contained in this clause 11 may not apply if you are a European resident.

## 12\. General

(a) These Terms and Conditions are governed by, and will be construed in accordance with, the law in force in the State of Queensland, Australia and you agree to submit to the non-exclusive jurisdiction of courts of that State.

(b) If any provision in these Terms and Conditions is void or unenforceable, that provision shall be read down to the extent necessary to make it valid and enforceable and, to the extent that it cannot be so read down, shall be deemed to be severed from these Terms and Conditions.

(c) You must comply with all applicable laws, regulations, orders, and notifications in force, and all conditions and instructions issued by us.

## Footer

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---

# Source: https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf

Page 1 of 7
Virgin Money Credit
Cards Complimentary
Mobile Phone Insurance
Terms and Conditions 
AIG Australia Limited of Level 19, 2 Park Street,
Sydney, NSW 2000 (the “Insurer”) has issued a group
policy (the “Group Policy”) to the Policyholder which is
subject to the terms and conditions contained herein.
I. Preamble and Disclosures
This document contains important information about
the Group Policy, which are available to Eligible
Cardholders (“You/Your”). Cover applies to claims
made on or after 1 October 2026. Eligible Cardholders
are not covered for claims made for losses occurring
after termination of or the expiry of the period of the
Group Policy. The Policyholder will provide Eligible
Cardholders with details of any replacement cover.
There is no obligation to accept any of these benefits.
However, if You wish to claim any of these benefits,
You will be bound by the Group Policy and the
terms, conditions and exclusions relevant to the
cover   provided.
The benefits of the Group Policy is provided to Eligible
Cardholders who hold an Eligible Card.
National Australia Bank Limited (ABN 12 004 044 937,
AFSL and Australian Credit Licence 230686) is the
Policyholder. NAB is the credit provider and Issuer of
the Eligible Cards. Virgin Money (Australia) Pty Ltd
ABN 75 103 478 897 (‘Virgin Money’) promotes and
distributes the Eligible Cards under an agreement
with NAB. Neither NAB nor Virgin Money is the issuer
(insurer) of the Insurance Coverage and neither they
nor any of their related corporations guarantee any
of the benefits under the Group Policy. The covers
described in this document are provided for Your
benefit under a Group Policy entered into between
the   Insurer and the Policyholder. The Policyholder is
the policy owner. When eligible, You have the benefit
of cover as a third party beneficiary solely by reason of
the statutory operation of Section 48 of the Insurance
Contracts Act 1984 (Cth).
The cover is provided at no additional cost to You and
neither NAB nor Virgin Money receive any commission
or remuneration from the Insurer in relation to this cover.
The Policyholder does not hold anything on trust for, or
for the benefit of, or on behalf of, You in relation to this
Insurance Coverage.
The terms and conditions of cover found in this
document only provides factual information in relation
to the Insurance Coverage. The information the Insurer
provides is not intended to and does not provide or
imply any recommendation or opinion about such
insurance. So as to make sure that the cover meets
Your needs and is suitable for You and Your personal
circumstances, these terms and conditions must be
reviewed by You and, if necessary, You should also
seek independent financial advice in relation to same.
None of NAB, Virgin Money or their related
corporations are Authorised Representatives (under
the Corporations Act 2001) of the Insurer. The
Policyholder does not act on behalf of the Insurer
or on Your behalf in relation to the Group Policy.
If the Group Policy is terminated, any claim made
for losses arising prior to such date of termination
will be   covered by and subject to the terms of the
Group   Policy.
The Policyholder will give You prior written notice if the
Group Policy ends.
You are able to verify the current status of Your
coverage and whether the Group Policy is still current
by   contacting the Insurer at:
AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Apac.partners@AIG.com
Code of Practice
The Insurer is a signatory to the General Insurance
Code of Practice (“Code”). The Code sets out the
minimum standards of service that can be expected
from the insurance industry and requires insurers to   be
open, fair and honest in their dealings with customers.
The Insurer is committed to adhering to the objectives
of the Code and to uphold these minimum standards
when providing services covered by this Code. The
Code objectives will be followed having regards to the
law and acknowledging that a contract of insurance is
a contract based on the utmost good faith.
For more information on the Code please visit
codeofpractice.com.au.
Complaints and Feedback
Learning about Your experiences with Us and Our
service partners helps to improve the way We do
business with You. If You have feedback, or an issue
You would like resolved We encourage You to make
contact. Below is information on how to contact
Us and how We will work together to resolve any
concerns You have.

Page 2 of 7
How to provide feedback
1.   Speak to Our Complaints team 
Our Complaints team can be contacted on
1800 339 669. To get the best out of Your call
with Us, please have Your policy and/or claim
number available and any specific information
about the issue.
2.   Provide Your feedback in writing 
If You would prefer to provide Your feedback or
complaint in writing You can do so by lodging
Your complaint on Our website, or by writing to: 
The Complaints Team AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: aucomplaints@aig.com
What happens if You make a complaint?
If You make a complaint, We will record Your
complaint and make sure that Your concerns are
addressed as quickly as possible and seek to achieve
a fair outcome for both parties.
We will assess Your complaint upon receipt. During
the complaints process as set out in this notice,
We   will meet the following requirements in respect of
Your complaint.
1.   Acknowledge Your complaint within one (1)
business day or as soon as practicable;
2.   We will tell You who will handle Your complaint
and their contact details;
3.   We will, where applicable, keep You informed
via Your preferred method of communication of
the progress of Your complaint every ten (10)
business days, more frequently or necessary or
as agreed by   both of Us;
4.   We will treat Your complaint respectfully and
handle all personal information in accordance
with Our Privacy Policy; and
5.   Within 30 calendar days from the date We
receive Your complaint, We will provide a
response to Your complaint.
If We cannot meet any of the stated time frames, We
will communicate to You the reasons why this has
not been possible. We will also advise You when You
should expect to receive a response or decision.
What You can do if You are not happy with
Our response or handling of Your complaint
If You are not satisfied with Our response or the
handling of Your complaint, You may wish to have the
matter reviewed by Our Internal Dispute Resolution
Committee (“Committee”). The Committee is
comprised of Senior Management of the company
who has the experience and authority to decide on
matters brought to the Committee.
If You wish to have Your complaint reviewed by
the Committee, please telephone or write to the
Complaints team as per the details above. As part
of Your request, please include detailed reasons
for requesting the review and the outcome You are
seeking. This information will assist the Committee
in carrying out its assessment and review of
Your   complaint.
A written response setting out the final decision of
the Committee and the reasons for this decision will
be provided to You.
If We are unable to provide a response within 30
calendar days of receipt of the initial complaint, We
will inform You of (i) the time frame for when Your
complaint will be heard by the Committee; (ii) when
You should expect to receive a response from the
Committee; (iii) the reasons for such delay; (iv) Your
right to   complain to AFCA if You are dissatisfied with
such reasons; and (v) the contact details for AFCA.
Your right to complain to the Australian
Financial Complaints Authority (AFCA)
You can take Your complaint to AFCA at any time,
including:
1.   if We have been unable to resolve Your complaint
within 30 calendar days;
2.   You are dissatisfied with the outcome of Your
complaint; or
3.   You are dissatisfied with the findings of the
Committee.
AFCA provides a fair and independent financial
services complaint resolution service that is free to
consumers. AFCA can make decisions with which AIG
is obliged to comply.
Under AFCA Rules, Your complaint may be
referred back to Us if it has not gone through Our
complaints   process.
AFCA’s contact details are:
Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne VIC 3001
Website: afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)
The use of AFCA does not preclude You from
subsequently exercising any legal rights which You
may have if You are still unhappy with the outcome.
Before doing so however, We strongly recommend
that You obtain independent legal advice.
If Your complaint does not fall within AFCA’s Rules,
We will advise You to seek independent legal advice
or   give You information about any other external
dispute resolution options where available to You.
Privacy Notice
This notice sets out how the Insurer (“AIG”) collects,
uses and discloses personal information about:
1.   You, if an individual; and
2.   other individuals You provide information about.
Further information about Our Privacy Policy
is available at aig.com.au or by contacting
Us on 1300 030 886 or at australia.privacy.
manager@aig.com.

Page 3 of 7
How We Collect Your Personal Information
AIG usually collects personal information from You
or Your agents. Under the Group Policy, AIG will
only collect Your personal information during a claim
submission.
AIG may also collect personal information from:
1.   its agents and service providers;
2.   other insurers;
3.   the Policyholder to assist to administer the Virgin
Money Credit Card;
4.   people who are involved in a claim or assist AIG
in investigating or processing claims, including
third parties claiming under the Group Policy,
witnesses and medical practitioners;
5.   third parties who may be arranging insurance
cover for a group that You are a part of;
6.   providers of marketing lists and industry
databases; and
7.   publicly available sources.
Why We Collect Your Personal Information
AIG collects information necessary to:
1.   underwrite and administer Your insurance cover;
2.   improve customer service and products and
carry out research and analysis, including data
analytics; and
3.   advise You of its and other products and services
that may interest You.
Failure to disclose information required may result in
AIG declining cover, cancelling Your insurance cover
or reducing the level of cover, or declining claims.
To Whom We Disclose Your Personal
Information
In the course of underwriting and administering the
Group Policy, AIG may disclose Your information to:
1.   Your or its agents, entities to which AIG is related,
reinsurers, contractors or third-party providers
providing services related to the administration
of the Group Policy;
2.   banks and financial institutions for policy
payments;
3.   the Policyholder to assist to administer the Virgin
Money Credit Card;
4.   Your or its agents, assessors, third-party
administrators, emergency providers, retailers,
medical providers, travel carriers, in the event of
a claim;
5.   entities to which AIG is related and third-party
providers for data analytics functions;
6.   other entities to enable them to offer their
products or services to You; and
7.   government, law enforcement, dispute
resolution, statutory or regulatory bodies, or as
required by law.
AIG is likely to disclose information to some of these
entities located overseas, including in the following
countries: United States of America, Canada,
Bermuda, United Kingdom, Ireland, Belgium, The
Netherlands, Germany, France, Singapore, Malaysia,
the Philippines, India, Hong Kong, New Zealand
as Well as any country in which You have a claim
and such other countries as may be notified in Our
Privacy Policy from time to time. You may request not
to receive direct marketing communications from AIG.
Access to Your Personal Information
Our Privacy Policy contains information about how
You may access and seek correction of personal
information AIG hold about You. In summary, You
may gain access to Your personal information by
submitting a written request to AIG.
In some circumstances permitted under the Privacy
Act 1988, AIG may not permit access to Your personal
information. Circumstances where access may be
denied include where it would have an unreasonable
impact on the privacy of other individuals, or where it
would be unlawful.
Complaints
Our Privacy Policy also contains information about
how You may complain about a breach of the
applicable privacy principles and how AIG will deal
with such a complaint.
Consent
If applicable, Your application includes a consent that
You and any other individuals You provide information
about consent to the collection, use and disclosure of
personal information as set out in this   notice.
II. Summary of Cover
Subject to the terms contained in this document and
the Group Policy, the Insurer agrees to provide the
following coverage to the Eligible Cardholders:
Insurance Coverage   Benefit Amount(AUD)
Mobile Phone Protection   Per Occurrence Limit:
Up to $1,000
Annual Aggregate Limit:
Up to $1,650
Excess: $50
Each insurance benefit limit described in this
document is in Australian Dollars (AUD). Payment of
claims will be made in Australian Dollars (AUD).
Claim Amount and Excess
We will pay (if applicable) up to the Per Occurrence
Limit per Eligible Cardholder for each claim as
stated in the Summary of Cover table above. For
any consecutive twelve-month period within the
Group Policy Period, the maximum amount We will
pay per Eligible Cardholder for all claims during such

Page 4 of 7
consecutive twelve-month period is the Annual
Aggregate Limit set out in the table above.
The applicable Excess is also set out in the
table   above.
Under the Group Policy, the Insurer agrees to provide
coverage to Eligible Cardholders of the Policyholder
as set out in the Group Policy and this document and
based on information offered by the Policyholder.
III. Definitions
Terms with a specific meaning are defined below and
shall have the same meaning wherever they appear
with an initial capital letter:
Accidental Damage means the Mobile Phone no
longer performing the function it was intended for
due to broken parts or material or structural failures
resulting from an unexpected and unintentional
external   event.
AFSL means an Australian Financial Services Licence.
Annual Aggregate Limit means the maximum
amount of benefit per Eligible Cardholder under
the Mobile Phone Protection Insurance for which
the Insurer is liable within a period of twelve (12)
consecutive months prior to the date of loss.
Cardholder(s) means all individuals who have
been issued an Eligible Card, including secondary
or additional Cardholders on the same account, in
Australia where such Eligible Card is issued by a
participating Issuer.
Eligible Card means a participating Issuer’s Virgin
Australia Velocity High Flyer Card and Virgin
Australia Velocity Flyer Card which have been issued
to Eligible Cardholders.
Eligible Cardholders/You/Your means those
Cardholders with Eligible Cards who shall be entitled
to receive payment or such other benefit as is
provided for in the Summary of Cover and the Group
Policy.
Excess means a monetary contribution You are
required to pay towards a claim You make.
Group Policy means the contract of insurance
between the Insurer and the Policyholder.
Group Policy Period means the period beginning
from 1 October 2026 and until the Group Policy
is   terminated.
Insurer/We/Us/Our/AIG means AIG Australia Limited.
Issuer means National Australia Bank Limited
(ABN 12 004 044 937, AFSL and Australian Credit
Licence 230686) an entity that is authorised by
Visa to operate a card program in the Territory and
is participating in the insurance offering to Eligible
Cardholders under the Group Policy.
Lost means You have accidentally misplaced Your
Mobile Phone and it is unrecoverable.
Mobile Phone means a telephone device associated
with the Eligible Cardholder’s Postpaid plan, that
use radio waves over a networked area (cells) and is
served through cell sites or base stations at a fixed
location, enabling calls to transmit wirelessly over a
given range. For the avoidance of doubt, smart watch
or tablet is not considered as a Mobile Phone.
NAB means National Australia Bank Limited (ABN
12 004 044 937, AFSL and Australian Credit Licence
230686).
Natural Catastrophe means flood, windstorm,
lightning, fire, explosion, landslide, volcanic action,
earthquake and/or tsunami.
Per Occurrence Limit means the maximum amount
of benefit available under the Summary of Cover for
any single incident per Eligible Cardholder during the
Group Policy Period.
Policyholder means National Australia Bank Limited
(ABN 12 004 044 937, AFSL and Australian Credit
Licence 230686).
Postpaid means a mobile telephone subscription
where the Eligible Cardholder enters into a contract
with a mobile provider with a monthly billing
arrangement.
Territory means the country or region in which
Eligible Cards are issued, in this case, Australia.
Theft means the unlawful intentional and dishonest
taking of the Mobile Phone belonging to the Eligible
Cardholder without their consent, with intent to
permanently deprive him/her of such Mobile Phone.
IV. Coverage
The Insurer (“We/Our/Us”) will pay for loss due
to Accidental Damage or Theft up to the Per
Occurrence Limit and subject to the Annual
Aggregate Limit and Excess per Eligible Cardholder
as set out in the Summary of Cover above, if the
mobile provider’s monthly Postpaid billing statement
for the billing cycle   preceding the month in which
the Accidental Damage or Theft occurred is paid in
full using the Eligible Card.
Effective Period of Coverage
Coverage begins on the first day of the calendar
month following the payment of Your Postpaid
monthly mobile telephone bill. Coverage will be valid
until the last day of the calendar month following
the payment of Your Postpaid monthly mobile
telephone   bill.
Valuation
Acting reasonably, We will decide whether to have
the Mobile Phone repaired or replaced. We will be
liable only for the lesser of the following amounts:
1.   the cost to repair or replace the Mobile Phone
after the Excess has first been applied to the
cost to repair or replace the Mobile Phone;
2.   the Per Occurrence Limit; or
3.   the remaining amount of the Annual Aggregate
Limit.

Page 5 of 7
Eligible Cardholders may be required to send in
the damaged item(s), at their expense, for further
evaluation of the claim. The Insurer will notify the
Eligible Cardholder if they need to send in the Mobile
Phone for such evaluation.
Scope of Insurance Coverage
Our maximum liability for this coverage will not
exceed the Annual Aggregate Limit per Eligible Card
per twelve-month period, subject to the terms,
conditions, exclusions, and limits of liability of the
Group Policy and this document as well as the Excess
stated in the Summary of Cover above.
Coverage is excess of any other applicable insurance
or indemnity the Eligible Cardholder may have.
Individual Termination Date
An Eligible Cardholder’s coverage under this
agreement shall terminate on the earliest of:
1.   the date the Eligible Cardholder no longer
qualifies as an Eligible Cardholder;
2.   the date the Eligible Card is determined to be
ineligible by the Issuer;
3.   the date the Issuer ceases to participate in the
Group Policy; or
4.   the date the Group Policy is terminated.
Coverage shall be provided under this section for the
Mobile Phone Theft or Accidental Damage during the
Effective Period of Coverage as determined above.
Coverage will terminate on the applicable individual
termination date specified in the paragraph above.
If the coverage is terminated, any claim arising prior
to such date of termination will, subject to the terms
of the Group Policy and these terms and conditions,
be eligible for coverage by the Insurer.
Coverage shall not be provided for any Theft or
Accidental Damage after the individual termination
date as determined above.
Suspension of Coverage
Coverage will be suspended on the first day of
the following calendar month following the month
during which an Eligible Cardholder fails to make
a mobile telephone Postpaid bill payment using
the Eligible Card while coverage is in effect in the
previous   month.
Resumption of Coverage
If coverage is suspended in accordance with
the above, coverage will resume after a 15-day
waiting period following the date of any future
mobile telephone Postpaid bill payment using an
Eligible   Card.
For example, an Eligible Cardholder paid their
Postpaid monthly mobile telephone bill on 15 June
using their Eligible Card. The insurance coverage
starts automatically from 1 July until 31 July. If then
the Eligible Cardholder does not pay their Postpaid
monthly mobile telephone bill in the month of July,
there will be no insurance coverage in August. Should
the Eligible Cardholder then pay their Postpaid
monthly mobile telephone bill in full on 5 August using
their Eligible Card, the insurance coverage will then
resume on 20   August.
V. Exclusions
No coverage will be provided for any of the following:
1.   Mobile Phone accessories other than the
standard battery and/or standard antenna
provided by the manufacturer.
2.   Mobile Phones that are Lost.
3.   Any loss that does not occur within the Group
Policy Period.
4.   Losses caused by the process of cleaning,
servicing, maintaining, adjusting, or You repairing
the Mobile Phone.
5.   Mobile Phone purchased for resale or for
professional or commercial use.
6.   Mobile Phones under the care and control of a
common carrier, including, but not limited to, the
postal service, airplanes or delivery service.
7.   Mobile Phones stolen from baggage unless
hand-carried and under the Eligible Cardholder’s
supervision or under the supervision of the
Eligible Cardholder’s travelling companion who is
previously known to the Eligible Cardholder.
8.   Accidental Damage or Theft resulting from Your
abuse, omission or negligence or the abuse,
omission or negligence of anyone acting on Your
behalf, including but not limited to leaving Your
Mobile Phone unattended in any place or motor
vehicle where it is, or was, plainly visible.
9.   Cosmetic damage such as a dent or scratch to
the Mobile Phone or Accidental Damage that
does not impact the Mobile Phone’s ability to
make or receive phone calls (including minor
screen cracks and fractures less than 5cm in
length that does not prevent the ability to make
or receive phone calls or to use other operations
and functions of the Mobile Phone).
10.   Accidental Damage or Mobile Phone Theft
resulting from abuse, intentional acts, fraud,
risks of contraband, illegal activities, normal
wear and tear, Natural Catastrophe, radioactive
contamination, or   damage from inherent product
defects or vermin.
11.   Losses resulting from a failure of Mobile Phone
due to a defect in materials and/or workmanship
and/or design, including but not limited to
inherent product defects, software, or data
failure.
12.   Accidental Damage or Theft resulting from mis-
delivery or theft by fraud or deceit.
13.   Replacement Mobile Phone purchased from
other than a mobile provider’s authorised retail or
internet store.

Page 6 of 7
14.   Taxes, delivery or transportation charges or any
fees associated with the service provided.
15.   Losses resulting from information or data loss,
sent from, or received, on a Mobile Phone
following Accidental Damage or Theft.
16.   Loss resulting from hostilities of any kind
including, but not limited to war, civil war,
invasion, insurrection, revolution, use of or
threatened use of military power or usurpation of
government or military power.
17.   Loss resulting from any terrorist act, or the
intentional use of military force or other
intervention by a government or official
authority to intercept, prevent, or mitigate any
known or suspected terrorist act.
18.   Losses due to, or related to, a nuclear, biological
or chemical event(s). or
19.   Losses due to the order of any government,
public authority, or customs official.
VI. Duties After a Loss
You are required to reasonably cooperate with Us
in investigating, evaluating and settling a claim.
In   the event of any loss which may be covered
under these coverages, You must contact Us as
soon as reasonably practicable after the discovery
of such loss. To file a claim, You may log on to
ba.mycardbenefits.com or send a notification to Us
to obtain a claim form and instructions on what to   do
after a loss.
Our contact details are set out below:
AIG Australia Limited
Level 19, 2 Park Street
Sydney NSW 2000
Australia
Tel: +613 9522 4111
Customer Service Timing: 8:30am to 5:30pm,
Monday to Friday
Email: Apac.partners@AIG.com
The Eligible Cardholder must as soon as reasonably
practicable:
1.   complete, sign and return the claim form to Us*
together with:
a.   the Eligible Cardholder’s card statement
reflecting the monthly Postpaid mobile
telephone payment for the month preceding
the date the Mobile Phone was subject to
Theft or Accidental Damage;
b.   a copy of the Eligible Cardholder’s current
mobile provider’s billing statement;
c.   if available, a copy of the original Mobile
Phone purchase receipt or other sufficient
proof of the Mobile Phone model currently
linked to the Eligible Cardholder’s mobile
telephone account;
d.   if there is existing insurance from the mobile
operator, a copy of the insurance claim to
the Eligible Cardholder’s mobile telephone
insurance, or in the event that the claim
amount is less than the Eligible Cardholder’s
deductible, a copy of the policy’s
declarations page;
e.   for Accidental Damage claims, a copy of the
repair memo, repair estimate and/or service
report from an authorised repairer and
photographs of the Accidental Damage may
be requested;
f.   for Theft claims, an official copies of
the police report as soon as reasonably
practicable; and
g.   any other relevant documents We may
reasonably ask You to provide.
*Cardholders may be required to send in the damaged item(s), at their
expense, for further evaluation of the claim. We will advise You as soon as
reasonably practicable if this is required and We will also advise You as to
the form conditions and requirements of delivery.
VII. Limits of Liability
Per Occurrence: Our liability for any one incident
shall not exceed the limit stated in the section
headed “Claim Amount and Excess” under Section II –
Summary of Cover.
Annual Aggregate: The total of all benefits paid
or payable while the Group Policy is in force in
connection with any particular Coverage shall not
exceed the limit stated in the section headed “Claim
Amount and Excess” under Section II – Summary
of   Cover.
VIII. General Obligations following a
Loss
In the event of an occurrence that may lead to a claim
or loss under the coverages set out above, You   must:
1.   take all reasonably practicable measures to
prevent and avoid further loss or damage;
2.   complete, sign and return the claims form within
a reasonable time period together with copies
of all reasonable proof of Your loss and other
relevant documents such as relevant receipts,
documents, letters, credit card statements
together with accompanying documents and
such details and written proof as may reasonably
be required by Us;
3.   disclose to Us details of any other insurance
cover under which You are entitled to claim;
4.   upon notifying Us of the claim You cannot make
any admissions, offers, promises or payment,
or conduct any negotiations, without Our prior
written consent;
5.   where reasonably necessary, grant authorisation
for Us to obtain Your records and other
information, such as credit reports (if applicable);
6.   provide Your financial reports, including, but
not limited to bank statements, as reasonably
necessary to assess Your claim;

7.   reasonably co-operate with Us in investigating,
evaluating and settling a claim; and
8.   if the loss involved theft report of the theft to the
police as soon as reasonably practicable.
IX. General Conditions
A.   Disputes
Subject to the Complaints and Feedback section
process outlined above, in the event of a dispute
under the Group Policy, the parties agree to
submit to the non-exclusive jurisdiction of the
Courts of   New South Wales.
B.   Governing Law
The Group Policy and this coverage terms shall
be governed by the laws of the state of New
South Wales.
C.   Loss Prevention
You must use all reasonable means to avoid
future loss at and after the time of loss.
D.   Sanctions
We shall not be deemed to provide cover and We
shall not be liable to pay any claim or provide any
benefit hereunder to the extent that the provision
of such cover, payment of such claim or provision
of such benefit would expose Us, its parent
company or its ultimate controlling entity to any
sanction, prohibition or restriction under United
Nations resolutions or the trade or economic
sanctions, laws or   regulations of the European
Union or the United States of America or the
Commonwealth of Australia.
E.   Transfer
The Policyholder or You may not transfer its
interest in this insurance to anyone.
F.   Cancellation
Subject to the obligations specified under
Section I above, the Policyholder can cancel the
Group Policy at any time by providing 15 days
written notice to Us.
G.   Changes
The Policyholder must notify Us as soon
as reasonably practicable of any change in
circumstance which will affect the Group Policy.
If the Policyholder advises Us of any change
in circumstance that will affect the Group
Policy, it may be necessary to amend any
of the terms and conditions of the Group
Policy and You will receive notice of any such
amendments from the Policyholder in due
course. No change or modification of the Group
Policy shall be effective except when made by
written endorsement signed by Our authorised
representative.
H.   Subrogation
If We settle any claim or payment or otherwise
cover any loss applying under the Group Policy,
We shall be subrogated to all Your rights of
recovery against any other person or persons
and You shall complete, sign and deliver any
documents necessary to secure such rights.
You shall not take any action following a loss to
prejudice such rights of subrogation.
I.   Compliance
The benefits of the Group Policy are subject
always to Your compliance with the terms and
conditions to   each Group Policy section and
these coverage terms.
J.   Financial Claims Scheme
The protection provided under the Federal
Government’s Financial Claims Scheme
(“Scheme”) applies to   the Group Policy. In the
unlikely event that we are unable to meet our
obligations under the insurance, persons entitled
to make a claim under the insurance cover under
the Group Policy may be entitled to payment
under the Scheme (access to the Scheme is
subject to eligibility criteria). Information about
the Scheme can be obtained from the APRA
website at apra.gov.au/financial-claims-
scheme.
K.   Payment of Claims
All payments to be made by the Insurer shall be
paid to Eligible Cardholder in the Territory and
such payments shall be subject to the laws and
regulations then in effect in the Territory.
Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN   93   004   727   753,
AFSL   381   686) (AIG) to National Australia Bank Limited (ABN   12   004   044   937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider
and issuer of Virgin Money Credit Cards. This Cover is available to Eligible Cardholders (“you/your”) while you remain an Eligible Cardholder, subject to NAB’s and
AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “Virgin Money Credit Cards Complimentary Mobile Phone Insurance
Terms and Conditions” as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory
operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal
circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and Virgin Money
are not the issuer or insurer of the Cover. Neither NAB, Virgin Money nor any of its related corporations guarantee any of the benefits under the Cover. Please
note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.   A184874-0626

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# Source: https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/velocity-bonus-status-credits-terms-and-conditions.pdf

Virgin Australia
Velocity High
Flyer Card Bonus
Status Credits
Benefit Terms
& Conditions 
November 2025

General 
1.   This   benefit   is   a   Special   Feature   that   allows   an 
opportunity   for   the   primary   cardholder   of   a   Virgin 
Australia   Velocity   High   Flyer   Credit   Card   to   earn 
Bonus   Status   Credits   on   Eligible   Virgin   Australia 
flights   ( Benefit ).
2.   References   to   “ we ”   and   “ us ”   means   Virgin   Money 
(Australia)   Pty   Ltd   ABN   75   103   478   897   ( Virgin
Money )   and   National   Australia   Bank   Limited   ABN 
12   004   044   937   Australian   Credit   Licence   230686 
(NAB).   These   are   our   Terms   and   Conditions.
3.   References   to   “ Virgin Australia ”   means   Virgin 
Australia   Airlines   Pty   Ltd   ACN   090   670   965.
4.   Unless   otherwise   defined   herein,   any   capitalised 
terms   has   the   meaning   given   to   it   in   the   Credit
Card Terms and Conditions and Other Important
Information ( Credit Card Terms and Conditions ) 
and   Rewards Program for High Flyer and Flyer
Cardholders Terms and Conditions . 
5.   To   receive   Bonus   Status   Credits   you   must   supply 
your   Velocity   Membership   Account   Information 
to   enable   Bonus   Status   Credits   earned   using 
your   Account   to   be   allocated   to   your   Velocity 
Account.   You   may   provide   your   Velocity 
Membership   Account   Information   to   us   at   the 
time   of   application   for   an   Account   or   where 
you   already   have   an   Account,   you   can   provide 
it   to   us   by   calling   13 37 39 .   Please   ensure   you 
provide   accurate   information   to   us   otherwise 
Bonus   Status   Credits   will   not   be   allocated   to   your 
Velocity   Account.   Status   Credit   earn   and   benefits 
are   subject   to   the   Velocity Membership Terms
and Conditions . 
Meaning of words
You   and   your   means   the   primary   cardholder   of   a 
Virgin   Australia   Velocity   High   Flyer   Credit   Card   with 
a   Velocity   Program   membership   that   is   held   in   the 
same   name   as   the   credit   card   account   (“Account”).

Velocity Program   means   the   Velocity   Frequent 
Flyer Program   provided   by   Velocity   Rewards   Pty   Ltd 
ABN   98   116   089   448   as   trustee   for   The   Loyalty   Trust 
ABN   79   580   890   951. 
Status Credits   are   a   member   benefit   that   you 
can   earn   when   you   buy   products   or   services   from 
selected   partners   that   are   eligible   to   earn   Status 
Credits   (primarily   from   Virgin   Australia   and   selected 
airline   partners)   under   your   Velocity   Program 
membership.   Status   Credits   are   only   used   to 
determine   your   status   level   and   your   eligibility   for 
certain   member   benefits   under   your   membership 
with   the   Velocity   Program   and   are   not   Velocity 
Points.   For   further   information   on   Status   Credits 
please   visit   the   Velocity   Membership   Terms   and 
Conditions   ( https://experience.velocityfrequentflyer.
com/member-support/terms-conditions ). 
Bonus Status Credits   means   additional   Status 
Credits   equal   to   20%   of   the   relevant   base   Status 
Credits   earned   on   an   Eligible   Virgin   Australia   Flight. 
How you can earn Bonus Status Credits
under this Benefit 
6.   You   are   eligible   to   earn   Bonus   Status   Credits, 
if   you   purchase   and   fly   on   an   Eligible   Virgin 
Australia   Flight   being: 
a.   a   flight   purchased   using   your   Virgin   Australia 
High   Flyer   Card   directly   with   Virgin   Australia 
(via   the   Virgin   Australia   website,   Virgin 
Australia   Call   Centre   or   Virgin   Australia   App); 
b.   the   Virgin   Australia   flight   is   eligible   to   earn 
Status   Credits.   To   be   eligible,   the   flight 
must   be   marketed   and   operated   by   Virgin 
Australia,   with   a   VA   flight   number   and   be 
ticketed   in   a   fare   class   that   normally   accrues 
Status   Credits.   Reward   Seat   bookings,   and 
codeshare   services   marketed   or   operated 
by partner   airlines   are   not   Eligible   Virgin 
Australia   Flights   for   this   offer; 
c.   your   Velocity   membership   number   was 
provided   against   the   booking   at   the   time   of 
purchase   or   before   your   date   of   travel;   and

d.   at   the   time   of   booking,   purchasing   and 
taking   the   flight,   your   Account   must   be   open 
and   in   good   standing   in   accordance   with 
clause   4.4   and   4.5   of   the   Rewards   Program 
for   High   Flyer   and   Flyer   Cardholders   Terms 
& Conditions,   not   in   default,   and   you   must 
have   a   Velocity   Program   membership   that   is 
not   closed   or   suspended. 
7.   The   Bonus   Status   Credits   you   earn   are   equal   to 
20%   of   the   relevant   base   Status   Credits   earned 
for   the   Eligible   Virgin   Australia   Flight   subject   to 
the   maximum   amount   of   Bonus   Status   Credits 
you   can   earn   as   set   out   in   paragraph   8   below. 
Bonus   Status   Credits   are   calculated   and   awarded 
on   the   total   base   Status   Credits   earned   within 
a   calendar   month.   If   the   Bonus   Status   Credits 
calculated   do   not   result   in   a   whole   value,   the 
Status   Credits   awarded   will   be   rounded   up   to   the 
nearest   whole   Status   Credit   value   if   greater   than 
0.5.   Otherwise,   it   will   be   rounded   down   to   the 
nearest   whole   Status   Credit   value.
8.   The   maximum   that   can   be   earned   is   100   Bonus 
Status   Credits   per   year,   commencing   on   the 
anniversary   of   the   date   of   approval   of   your   Virgin 
Australia   Velocity   High   Flyer   Credit   Card   Account. 
If   you   have   elected   to   Family   Pool   Status   Credits 
as   part   of   your   Velocity   membership,   the   limit 
of   100   Bonus   Status   Credits   will   apply   to   the 
relevant   Velocity   Account   and   not   the   beneficiary 
nominated   in   the   Family   Pool.   Any   Family   Pool 
Status   Credits   are   subject   to   Velocity   Frequent 
Flyer’s   Family Pooling Terms and Conditions . 
When you will be allocated Bonus Status
Credits under this Benefit 
9.   You   will   be   allocated   Bonus   Status   Credits   within 
60   days   of   the   allocation   of   your   base   Status 
Credits   to   your   Velocity   Account.
10.   We   reserve   the   right   to   not   make   this   benefit 
available   to   you,   if:
a.   You   make   a   retrospective   Status   Credit   claim 
after   your   date   of   travel,   or 
b.   Any   of   the   conditions   at   paragraphs   [6]   and 
[8]   are   not   met.

Changes to this Benefit 
11.   We   reserve   the   right   to   change,   suspend, 
or   withdraw   this   Benefit   at   any   time   at   our 
discretion,   acting   reasonably   and   having   regard 
to   our   legitimate   business   interests.   We   will 
provide   at   least   30   days’   prior   notice   of   changes, 
unless   we   reasonably   consider   the   change   to 
be   non-material   in   nature,   in   which   case   we   will 
notify   you   as   soon   as   reasonably   practicable 
by   publishing   the   changes   on   the   Virgin   Money 
website.   Changes   to   this   Benefit   will   be   available 
on   the   credit   card   section   of   the   Virgin   Money 
website,   virginmoney.com.au .   You   acknowledge 
that   the   Velocity   Points   you   earn   under   this 
Benefit   will   be   redeemed   under   the   Velocity 
Membership   Terms   and   Conditions   which   may 
be   subject   to   changes   in   accordance   with   those 
terms   and   conditions. 
Disclaimer 
12.   To   the   extent   permitted   by   law,   any   claims   arising 
from   your   participation   in   the   Velocity   Program 
or   your   use   of   the   Velocity   Program,   including 
Status   Credits,   are   against   the   parties   that 
provide   these   services. 
Applicable Law 
13.   These   terms   and   conditions   are   to   be   interpreted 
in   accordance   with   the   laws   of   Queensland, 
Australia.   Any   court   cases   involving   these   terms 
and   conditions   can   be   held   in   the   courts   of   any 
State   or   Territory   of   Australia   with   jurisdiction. 
We’ll   give   any   legal   protections   available   to   you 
in the   State   or   Territory   in   which   you   live. 
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.   BOQ   does   not   and   will   not   guarantee 
or   otherwise   support   NAB’s   obligations   under   the   contracts   or 
agreements   connected   with   the   Credit   Cards.   MCG17778_(0925)

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# Source: https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards

# Forms and important information - Credit Cards

From changing your name, to setting up a direct debit to automatically pay your account, you’ll find the form you need right here, along with the terms and conditions that apply to your account.

If not, give our Customer Care Team a call on [13 37 39](tel:133739).

## Forms

#### Set up direct debit to automatically pay your account

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/Direct\_Debit\_Autopay.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/Direct%5FDebit%5FAutopay.pdf)

#### Apply for hardship assistance

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/Personal\_Financial\_Summary\_Form.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/Personal%5FFinancial%5FSummary%5FForm.pdf)

#### Change of Legal Name form

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/change-of-name-form.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/change-of-name-form.pdf)

#### Change in Date of Birth Form

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-change-date-of-birth-form.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-change-date-of-birth-form.pdf)

#### Power of Attorney Request Form

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-power-of-attorney-form.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-power-of-attorney-form.pdf)

#### Authorised Person (AP) Request Form

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-authorised-person-form.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-authorised-person-form.pdf)

#### Add an Authorised Representative - Letter of Authority

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/letter-of-authority.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/letter-of-authority.pdf)

#### Flight Gift Voucher Request Form

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/virgin-australia-flight-gift-voucher.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/letter-of-authority.pdf)

#### Unclaimed Monies Form

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/refund-of-unclaimed-monies-request.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/refund-of-unclaimed-monies-request.pdf)

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## Terms and Conditions

#### Privacy Notice

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-australia-privacy-policy.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-australia-privacy-policy.pdf)

#### Credit Guide for Virgin Money Credit Cards

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/credit-guide-virgin-money-credit-cards.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-guide-virgin-money-credit-cards.pdf)

#### Credit Card Terms & Conditions & Other Important Information

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf)

#### Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/velocity-rewards-program-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/velocity-rewards-program-terms-and-conditions.pdf)

#### Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf)

#### Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf)

#### Click to Pay Credit Cards Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/click-to-pay-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/click-to-pay-terms-and-conditions.pdf)

#### Virgin Australia Gift Voucher Benefit Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/voucher-benefit-tcs-pdf-dl.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/voucher-benefit-tcs-pdf-dl.pdf)

#### Virgin Australia Lounge Pass Benefit Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/high-flyer-lounge-pass-tcs-pdf-dl.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/high-flyer-lounge-pass-tcs-pdf-dl.pdf)

#### Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/velocity-bonus-status-credits-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/velocity-bonus-status-credits-terms-and-conditions.pdf)

#### Virgin Money Rewards Program Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-rewards-terms-conditions-cvp.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-rewards-terms-conditions-cvp.pdf)

#### Rewards Program for High Flyer and Flyer Cardholders

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/rewards-program-high-flyer-flyer-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/rewards-program-high-flyer-flyer-terms-and-conditions.pdf)

#### Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/anytime-rewards-program-terms-and-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/anytime-rewards-program-terms-and-conditions.pdf)

#### Apple Pay Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/apple-pay-terms-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/apple-pay-terms-conditions.pdf)

#### Google Pay Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/google-pay-terms-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/google-pay-terms-conditions.pdf)

#### Samsung Pay Terms and Conditions

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/credit-cards/samsung-pay-terms-conditions.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/samsung-pay-terms-conditions.pdf)

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## Target Market Determinations

#### Virgin Australia Velocity Flyer Card

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/target-market-determinations/velocity-flyer-credit-card.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/target-market-determinations/velocity-flyer-credit-card.pdf)

#### Virgin Australia Velocity High Flyer Card

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/target-market-determinations/velocity-high-flyer-credit-card.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/target-market-determinations/velocity-high-flyer-credit-card.pdf)

#### Virgin Money Anytime Rewards Credit Card

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/target-market-determinations/anytime-rewards-credit-card.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/target-market-determinations/anytime-rewards-credit-card.pdf)

#### Virgin Money Low Rate Credit Card

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/target-market-determinations/low-rate-credit-card.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/target-market-determinations/low-rate-credit-card.pdf)

#### Virgin Money No Annual Fee Credit Card

###### PDF{sub-tag}

[/content/dam/virginmoney/vma-downloads/target-market-determinations/no-annual-fee-credit-card.pdf](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/target-market-determinations/no-annual-fee-credit-card.pdf)

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#### View our handy FAQs

[Read more FAQs{icon-button}](https://www.virginmoney.com.au/help-and-support/faqs/credit-card-faqs)

#### Contact Us

If you need help along the way give The Virgin Money Credit Cards team a call on [13 37 39](tel:133739) They're available 8am - 8pm Monday-Friday, 9am to 5pm Saturday (AEST) and closed National Public Holidays.

[Get in touch{icon-button}](https://www.virginmoney.com.au/contact-us/credit-cards)

#### Quick Links

[Request Flight Voucher](https://www.virginmoney.com.au/credit-cards/gift-voucher)

[Instalment Plans](https://www.virginmoney.com.au/help-and-support/credit-cards/instalments)

[Rates & fees](https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards)

[FAQs](https://www.virginmoney.com.au/help-and-support/faqs/credit-card-faqs)

[Contact us](https://www.virginmoney.com.au/contact-us/)

### Important Information

| Fragment                                                                                                                                           |   |
| -------------------------------------------------------------------------------------------------------------------------------------------------- | - |
| [/fragment/terms-and-conditions/credit-cards/credit-cards](https://www.virginmoney.com.au/fragment/terms-and-conditions/credit-cards/credit-cards) | , |

---

# Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/bank-and-save

# Transaction and Savings Rates, Limits, Fees and Charges

Here you’ll find the rates, limits, fees and charges that apply to the Virgin Money Go Account, Boost Saver and Grow Saver. For more information please refer to the [terms and conditions.](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save)

[/fragment/bank-and-save/go-account/fees-and-charges-table](https://www.virginmoney.com.au/fragment/bank-and-save/go-account/fees-and-charges-table)

### Limits {colspan-4}

**Transaction type**

**Limits**

Pay Someone

Daily limit set at $5,000 per account holder. This can be increased in the Virgin Money App up to $20,000 per day per account holder. A temporary one-day limit can be set above the $20,000 daily limit to allow for large one-off transfers.

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Daily limit set at $20,000 per account holder. This can be increased in the Virgin Money App up to $100,000 per day per account holder. Certain billers may set their own limits for individual BPAY payments.

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Transaction limit set at $200 in Australia where no PIN or signature is required. If a PIN or signature is provided then you may be able to perform a transaction up to the Visa Debit Card Transaction limit.

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

### Monthly criteria {colspan-2}

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a [Virgin Money Go Account](https://www.virginmoney.com.au/bank-and-save/go-account) that is issued in the same name. Simply meet the following criteria on your Go Account each month to activate your Bonus Interest on your Boost Saver for the following month. {colspan-2}

**Age group**

**Monthly Criteria**

14 – 17 years

There are no Monthly Criteria requirements. You’re good to go.

Over 18 years

Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending).

### Rewards {colspan-2}

**Description**

**Points**

Virgin Money Points for every purchase, direct debit and BPAY payment.

8 Points

Important Information on Virgin Money Rewards Points for [Go Accounts](https://www.virginmoney.com.au/bank-and-save/go-account):

* Virgin Money Rewards Points for Joint Accounts will be split and evenly allocated to both joint account holders of that account.

Tab Title

Virgin Money Go Transaction Account

### Interest rates {colspan-2}

**Rate type**

**Interest Rate (p.a.)**

**Highest Variable Interest Rate**

{banking-rates||b7||rate}% p.a.

This is made up of the variable Base rate of {banking-rates||b1||rate}% p.a., Bonus rate of {banking-rates||b2||rate}% p.a. and the Notice Interest Rate of {banking-rates||b6||rate}% p.a.

**Base Interest Rate**

{banking-rates||b1||rate}% p.a.

**Bonus Interest Rate and Monthly Criteria**

Additional variable interest rate earned on all your Boost Savers, up to a combined total balance of $250,000, in the same name as your Go Account when you meet the Monthly Criteria each month:

* **Deposit at least $1,000 into your Go Account** from another financial institution.
* **Make at least 5 purchases on your Go Account** that settled in that month (not pending).

When the Monthly Criteria is met in a calendar month, the Bonus Interest rate will apply in the following calendar month.

There are no Monthly Criteria requirements if you are under 18.

{banking-rates||b2||rate}% p.a.

**Notice Interest Rate**

Additional variable interest rate earned on a Boost Saver where the optional Lock Saver Feature is enabled.

* **Provide 32 days’ advance notice** to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediate access to. For more information, go to our Lock Saver Feature [website page](https://www.virginmoney.com.au/virgin-money-app/app-features/lock-saver).

{banking-rates||b6||rate}% p.a. (optional)

Important Information on Bonus Interest for [Boost Savers](https://www.virginmoney.com.au/bank-and-save/boost-saver):

* Bonus Interest Rate can be activated on all your Boost Savers in the same name as your Go Account when you cumulatively meet the Monthly Criteria in the Monthly Criteria dropdown. For clarity, if you hold an account(s) in your name as an individual, and an account(s) in two names (joint account), you will be required to meet the Monthly Criteria on each account type (individual and joint) to activate the benefits for both.
* The Bonus Interest rate applies up to a combined total balance of $250,000 across all Boost Savers in the same name.
* Once the Lock Saver Feature is enabled you will earn the additional variable Notice Interest rate while the Lock Saver Feature is enabled, up until the date that you activate the Unlock Saver Feature. The additional variable Notice Interest rate does not apply during the 32 day notice period which commences once you activate the Unlock Saver Feature.

### Monthly criteria {colspan-2}

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a [Virgin Money Go Account](https://www.virginmoney.com.au/bank-and-save/go-account) that is issued in the same name. Simply meet the following criteria each month to activate your bonus interest benefit for the following month. {colspan-2}

**Age group**

**Monthly Criteria**

14 – 17 years

There are no Monthly Criteria requirements. You’re good to go.

Over 18 years

Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending).

### Fees and charges {colspan-4}

**Name**

**Fee**

**Description**

Monthly Account Keeping

Free

There are no monthly account keeping fees with our Virgin Money Deposit Accounts.

BPAY, Pay Someone, Card Transactions

Free

There is no fee charged by Virgin Money for performing a BPAY® Payment, pay anyone of making a card transaction, which you should be advised of at the time of making the transaction.

Domestic ATM Withdrawal Fee

Free

We don’t charge fees to withdraw cash, however a fee may be charged at the ATM and should be displayed on the screen before proceeding with the withdrawal. Most major bank ATMs do not charge a fee, giving you access to over 10,000 ATMs across Australia.

Domestic Emergency Card Replacement

$15

Charged when we courier a card to you within Australia.

International Emergency Card Replacement

$75

Charged when we courier a card to you internationally.

Currency Conversion

2.50%

Fee charged for any International Transaction which includes:

* any transaction made in a foreign currency; or
* when any transaction is processed outside of Australia (in Australian dollars or a foreign currency).

It is calculated as a percentage of the Australian dollar equivalent.

International ATM Withdrawal

$5

Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.

International Balance Enquiry

$2

Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM and should be displayed on the screen before proceeding with the withdrawal.

Trace

$20

Charged when you request us to initiate a trace to confirm that a third-party payment was received at the destination account or when an unknown third-party payment has been received in your account. Note: the fee will be waived if the trace shows that the transaction was incorrectly posted to your account.

Manual Statement

$10

Charged when you request a manual statement to be generated and emailed to you. All statements are available on the Virgin Money App and can be accessed for closed accounts

Paper Statement – Domestic

$3

Charged for each paper statement that is required to be posted to an address in Australia.

Paper Statement – International

$5

Charged for each paper statement that is required to be posted to an International Address.

BPAY Error Correction Fee

$30

Charged when you and / or the BPAY biller request us to correct, investigate, dispute or trace an error made on a BPAY instruction. Note: This fee will be waived where it is determined that either our or the BPAY system has caused the error to occur.

Direct Debit Dishonour

Free

Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.

Cheque Dishonour

Free

There is no fee charged for a cheque deposit that is dishonoured on your account.

Bank Cheque

$10

Charged for each bank cheque that is produced and posted to an Australian address.

Withdrawal by card at Bank@PostTM

Free

There is no fee to withdraw cash using your card at Bank@PostTM

Deposit of cash at Bank@Post TM

Free

There is no fee to deposit cash at Bank@PostTM

Deposit of cheques at Bank@PostTM

Free

There is no fee to deposit cheques at Bank@PostTM

Balance enquiry at Bank@PostTM

Free

There is no fee to check your account balance at Bank@PostTM

### Limits {colspan-4}

**Transaction type**

**Limits**

Pay Someone

Daily limit set at $5,000 per account holder. This can be increased in the Virgin Money App up to $20,000 per day per account holder. A temporary one-day limit can be set above the $20,000 daily limit to allow for large one-off transfers.

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Daily limit set at $20,000 per account holder. This can be increased in the Virgin Money App up to $100,000 per day per account holder. Certain billers may set their own limits for individual BPAY payments.

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Transaction limit set at $200 in Australia where no PIN or signature is required. If a PIN or signature is provided then you may be able to perform a transaction up to the Visa Debit Card Transaction limit.

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Tab Title

Virgin Money Boost Saver

### Interest rates & Monthly Criteria {colspan-2}

**Rate type**

**Interest Rate (p.a.)**

**Highest Variable Interest Rate**

{banking-rates||gr5||rate}% p.a.

This is made up of the variable Base rate of {banking-rates||gr1||rate}% p.a., Bonus rate of {banking-rates||gr2||rate}% p.a. and the Notice Interest Rate of {banking-rates||gr4||rate}% p.a.

**Base Interest Rate**

{banking-rates||gr1||rate}% p.a.

**Bonus Interest Rate**

Additional variable interest rate earned on your Grow Saver when you meet the Monthly Criteria of at least 1 deposit and no more than 1 withdrawal in that month.

{banking-rates||gr2||rate}% p.a.

**Notice Interest Rate**

Additional variable interest rate earned on a Grow Saver where the optional Lock Saver Feature is enabled.

* Provide 32 days’ advance notice to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediately access. For more information, go to our Lock Saver Feature website page.

{banking-rates||gr4||rate}% p.a. (optional)

Important Information on Bonus Interest for [Grow Savers](https://www.virginmoney.com.au/bank-and-save/grow-saver):

* Bonus Interest Rate for a month can be activated by simply making 1 deposit and no more than 1 withdrawal in that month.
* To activate the Bonus Interest Rate on a particular account you must meet these conditions on that account.
* Once the Lock Saver Feature is enabled you will earn the additional variable Notice Interest rate while the Lock Saver Feature is enabled, up until the date that you activate the Unlock Saver Feature. The additional variable Notice Interest rate does not apply during the 32 day notice period which commences once you activate the Unlock Saver Feature.

### Fees and charges {colspan-4}

**Name**

**Fee**

**Description**

Monthly Account Keeping

Free

There are no monthly account keeping fees with our Virgin Money Deposit Accounts.

BPAY, Pay Someone, Card Transactions

Free

There is no fee charged by Virgin Money for performing a BPAY® Payment, pay anyone of making a card transaction, which you should be advised of at the time of making the transaction.

Domestic ATM Withdrawal Fee

Free

We don’t charge fees to withdraw cash, however a fee may be charged at the ATM and should be displayed on the screen before proceeding with the withdrawal. Most major bank ATMs do not charge a fee, giving you access to over 10,000 ATMs across Australia.

Domestic Emergency Card Replacement

$15

Charged when we courier a card to you within Australia.

International Emergency Card Replacement

$75

Charged when we courier a card to you internationally.

Currency Conversion

2.50%

Fee charged for any International Transaction which includes:

* any transaction made in a foreign currency; or
* when any transaction is processed outside of Australia (in Australian dollars or a foreign currency).

It is calculated as a percentage of the Australian dollar equivalent.

International ATM Withdrawal

$5

Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.

International Balance Enquiry

$2

Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM and should be displayed on the screen before proceeding with the withdrawal.

Trace

$20

Charged when you request us to initiate a trace to confirm that a third-party payment was received at the destination account or when an unknown third-party payment has been received in your account. Note: the fee will be waived if the trace shows that the transaction was incorrectly posted to your account.

Manual Statement

$10

Charged when you request a manual statement to be generated and emailed to you. All statements are available on the Virgin Money App and can be accessed for closed accounts

Paper Statement – Domestic

$3

Charged for each paper statement that is required to be posted to an address in Australia.

Paper Statement – International

$5

Charged for each paper statement that is required to be posted to an International Address.

BPAY Error Correction Fee

$30

Charged when you and / or the BPAY biller request us to correct, investigate, dispute or trace an error made on a BPAY instruction. Note: This fee will be waived where it is determined that either our or the BPAY system has caused the error to occur.

Direct Debit Dishonour

Free

Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.

Cheque Dishonour

Free

There is no fee charged for a cheque deposit that is dishonoured on your account.

Bank Cheque

$10

Charged for each bank cheque that is produced and posted to an Australian address.

Withdrawal by card at Bank@PostTM

Free

There is no fee to withdraw cash using your card at Bank@PostTM

Deposit of cash at Bank@Post TM

Free

There is no fee to deposit cash at Bank@PostTM

Deposit of cheques at Bank@PostTM

Free

There is no fee to deposit cheques at Bank@PostTM

Balance enquiry at Bank@PostTM

Free

There is no fee to check your account balance at Bank@PostTM

### Limits {colspan-4}

**Transaction type**

**Limits**

Pay Someone

Daily limit set at $5,000 per account holder. This can be increased in the Virgin Money App up to $20,000 per day per account holder. A temporary one-day limit can be set above the $20,000 daily limit to allow for large one-off transfers.

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Daily limit set at $20,000 per account holder. This can be increased in the Virgin Money App up to $100,000 per day per account holder. Certain billers may set their own limits for individual BPAY payments.

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Transaction limit set at $200 in Australia where no PIN or signature is required. If a PIN or signature is provided then you may be able to perform a transaction up to the Visa Debit Card Transaction limit.

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Tab Title

Virgin Money Grow Saver

### Ready to get started? Join in just minutes with six easy steps

[Open an account](https://application.virginmoney.com.au/virginmoney-form/bank-and-save/apply-now?product=bundle&offerCode=SFW05KLYO)

### Want to explore more about the Virgin Money Go Transaction Account?

_[Go Account](https://www.virginmoney.com.au/bank-and-save/go-account)_

### Important Information

| Fragment                                                                                                                                               |   |
| ------------------------------------------------------------------------------------------------------------------------------------------------------ | - |
| [/fragment/terms-and-conditions/bank-and-save/bank-and-save](https://www.virginmoney.com.au/fragment/terms-and-conditions/bank-and-save/bank-and-save) | , |

---

# Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards

# Credit card rates and fees summary

Here you’ll find the rates and fees that are specific to the type of card you have. {sub-heading}

− Removed

[/fragment/credit-cards/important-information-banner](https://www.virginmoney.com.au/fragment/credit-cards/important-information-banner)

1075 unchanged lines

#### Virgin Australia Velocity High Flyer Credit Card

#### Virgin Australia Velocity Flyer Credit Card

#### Virgin Money Anytime Rewards Credit Card

#### Virgin Money Low Rate Credit Card

#### Virgin Money No Annual Fee Credit Card

Tag

All Cards, Rewards Cards

All Cards, Rewards Cards

All Cards, Rewards Cards

All Cards, Low Rate/No Annual Fee Cards

All Cards, Low Rate/No Annual Fee Cards

**Annual fee**

Annual fees are subject to change.

$349

$169

$169

$99\. Annual fees are subject to change.

No annual fee... ever

**Retail purchase rate**

21.99% p.a.

21.99% p.a.

21.99% p.a.

12.99% p.a.

19.99% p.a.

**Cash advance rate**

21.99% p.a.

21.99% p.a.

21.99% p.a.

21.69% p.a.

20.99% p.a.

**Balance transfer rate on all cards**

Reverts to the cash advance rate at end of the offer period.

Reverts to the cash advance rate at end of the offer period.

Reverts to the cash advance rate at end of the offer period.

Reverts to the cash advance rate at end of the offer period.

Reverts to the cash advance rate at end of the offer period.

**International Transaction Fee**

3.30%

3.30%

0%

3.30%

3.30%

{empty}

[Learn more](https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card)

[Learn more](https://www.virginmoney.com.au/credit-cards/flyer-credit-card)

[Learn more](https://www.virginmoney.com.au/credit-cards/anytime-rewards-credit-card)

[Learn more](https://www.virginmoney.com.au/credit-cards/low-rate-credit-card)

[Learn more](https://www.virginmoney.com.au/credit-cards/no-annual-fee-credit-card)

### Fees common across all our credit cards

**A Cash Advance Fee ‐ Domestic**

$2.70 per transaction amount or 2.7% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place.

**A Cash Advance Fee ‐ International**

$5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.

**International Transaction Fee**

We charge you an International Transaction Fee of 3.3% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:

* foreign currency once converted to Australian dollars; and/or
* Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

**Note:** It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas.

For the Virgin Money Anytime Rewards Card, the International Transaction Fee was removed from 1 October 2026.

**Late Payment Fee**

$30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.

**Over-the-Counter Fee (Bank@Post)\***

$2.50 fee applies for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol

**Paper Statement Fee**

$2 each month we issue you with a paper statement, debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances.

[/fragment/credit-cards/useful-links/universal](https://www.virginmoney.com.au/fragment/credit-cards/useful-links/universal)

[/fragment/credit-cards/contact-us](https://www.virginmoney.com.au/fragment/credit-cards/contact-us)

### Important Information

| Fragment                                                                                                                                           |   |
| -------------------------------------------------------------------------------------------------------------------------------------------------- | - |
| [/fragment/terms-and-conditions/credit-cards/credit-cards](https://www.virginmoney.com.au/fragment/terms-and-conditions/credit-cards/credit-cards) | , |

\* Bank@PostTM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved.

---

# Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loans

# Rates and Fees

Packed with perks, loaded with rewards and built to flex with you. Compare home loans and see what's possible.

## Choose a home loan that fits

We make things simple, especially when it comes to home loan comparisons, so you know you’re getting the right deal for you.

{empty}

### Lite Home Loan

### Loaded Home Loan

**Rate {grey-cell}**

##### Variable rate from

### {hlx-rates || 98026 || Rate} % p.a.3

##### Minimum $150k loan, up to 80% LVR

##### Variable rate from

### {hlx-rates || 98049 || Rate}% p.a.5

##### Minimum $150k loan, up to 60% LVR

**Comparison {grey-cell}**

##### Comparison rate21

### {hlx-rates || 98026|| Comparison Rate}% p.a.

##### Comparison rate21

### {hlx-rates || 98049 || Comparison Rate}% p.a.

**Eligibility {grey-cell}**

Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 80% LVR11.

Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $400K, max 60% LVR11.

**Annual fee {grey-cell}**

**$0**

**$295 p.a.**

Payable for the first time on the lending date, then on or around every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded home loan held in the same name(s) and capacity.

**Valuation fee**

We will cover the valuation costs up to $300

We will cover the valuation costs up to $300

**Earn Virgin Money Points {grey-cell}**

Earn 1,000 points per borrower each month just for making your repayments on time.16

Earn 100,000 points at settlement.

Earn 2,000 points per borrower each month just for making your repayments on time.16

Based on a new $500k Loaded Home Loan

**Offset {grey-cell}**

N/A

100% interest offset with a Go account

**Redraw {grey-cell}**

Option to redraw on variable rate home loans

Option to redraw on variable rate home loans

**Repayments {grey-cell}**

Unlimited additional repayments on variable rate home loans

Unlimited additional repayments on variable rate home loans

## Owner Occupier

Found a place you want to call home? Check out our competitive Owner Occupier rates.

Style

Padding-b-0

### Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.  
  
[Learn more](https://www.virginmoney.com.au/home-loans/lite)

For base rates, please see [here](https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loan-base-rates)

#### Owner Occupier - Variable

#### <$150K

| Fragment                                                                                                                                                                                                                                     |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/variable-less-150k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/variable-less-150k) |

#### Owner Occupier - Variable

#### \>$150K

| Fragment                                                                                                                                                                                                                                     |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/variable-more-150k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/variable-more-150k) |

#### Owner Occupier - Fixed

#### LVR 0% to 60%

| Fragment                                                                                                                                                                                                                 |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-0-60](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-0-60) |

#### Owner Occupier - Fixed

#### LVR 60.01% to 70%

| Fragment                                                                                                                                                                                                                   |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-60-70](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-60-70) |

#### Owner Occupier - Fixed

#### LVR 70.01% to 80%

| Fragment                                                                                                                                                                                                                   |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-70-80](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-70-80) |

#### Owner Occupier - Fixed

#### LVR 80.01% to 90%

| Fragment                                                                                                                                                                                                                   |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-80-90](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-80-90) |

#### Owner Occupier - Fixed

#### LVR 90.01% to 95%

| Fragment                                                                                                                                                                                                                   |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-90-95](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-90-95) |

Tab Title

Lite Home Loan

### Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.  
  
[Learn more](https://www.virginmoney.com.au/home-loans/loaded)

For base rates, please see [here](https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loan-base-rates)

#### Owner Occupier - Variable

#### <$150K

| Fragment                                                                                                                                                                                                                                         |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-less-150k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-less-150k) |

#### Owner Occupier - Variable

#### \>$150K - $400K

| Fragment                                                                                                                                                                                                                                                   |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-150k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-150k) |

#### Owner Occupier - Variable

#### \>$400K - $700K

| Fragment                                                                                                                                                                                                                                         |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-400k-700k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-400k-700k) |

#### Owner Occupier - Variable

#### \>$700K +

| Fragment                                                                                                                                                                                                                                                   |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-700k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-700k) |

#### Owner Occupier - Fixed

#### LVR 0% to 60%

| Fragment                                                                                                                                                                                                                     |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-0-60](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-0-60) |

#### Owner Occupier - Fixed

#### LVR 60.01% to 70%

| Fragment                                                                                                                                                                                                                       |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-60-70](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-60-70) |

#### Owner Occupier - Fixed

#### LVR 70.01% to 80%

| Fragment                                                                                                                                                                                                                       |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-70-80](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-70-80) |

#### Owner Occupier - Fixed

#### LVR 80.01% to 90%

| Fragment                                                                                                                                                                                                                       |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-80-90](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-80-90) |

#### Owner Occupier - Fixed

#### LVR 90.01% to 95%

| Fragment                                                                                                                                                                                                                       |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-90-95](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-90-95) |

Tab Title

Loaded Home Loan

## Investor

Buying or refinancing a place to rent out? Make property investing even more rewarding with a Virgin Money Home Loan.

Style

Padding-b-0

### Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.  
  
[Learn more](https://www.virginmoney.com.au/home-loans/lite)

For base rates, please see [here](https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loan-base-rates)

#### Investor - Variable

#### <$150K

| Fragment                                                                                                                                                                                                                         |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/variable-less-150k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/variable-less-150k) |

#### Investor - Variable

#### \>$150K

| Fragment                                                                                                                                                                                                                         |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/variable-more-150k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/variable-more-150k) |

#### Investor - Fixed

#### LVR 0% to 60%

| Fragment                                                                                                                                                                                                     |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-0-60](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-0-60) |

#### Investor - Fixed

#### LVR 60.01% to 70%

| Fragment                                                                                                                                                                                                       |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-60-70](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-60-70) |

#### Investor - Fixed

#### LVR 70.01% to 80%

| Fragment                                                                                                                                                                                                       |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-70-80](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-70-80) |

#### Investor - Fixed

#### LVR 80.01% to 90%

| Fragment                                                                                                                                                                                                       |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-80-90](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-80-90) |

#### Investor - Fixed

#### LVR 90.01% to 95%

| Fragment                                                                                                                                                                                                       |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-90-95](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-90-95) |

Tab Title

Lite Home Loan

### Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.  
  
[Learn more](https://www.virginmoney.com.au/home-loans/loaded)

For base rates, please see [here](https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loan-base-rates)

#### Investor - Variable

#### <$150K

| Fragment                                                                                                                                                                                                                             |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-less-150k](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-less-150k) |

#### Investor - Variable

#### \>$150K - $400K

| Fragment                                                                                                                                                                                                                         |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-150-400](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-150-400) |

#### Investor - Variable

#### \>$400K - $700K

| Fragment                                                                                                                                                                                                                         |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-400-700](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-400-700) |

#### Investor - Variable

#### \>$700K +

| Fragment                                                                                                                                                                                                                           |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-700-plus](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-700-plus) |

#### Investor - Fixed

#### LVR 0% to 60%

| Fragment                                                                                                                                                                                                         |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-0-60](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-0-60) |

#### Investor - Fixed

#### LVR 60.01% to 70%

| Fragment                                                                                                                                                                                                           |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-60-70](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-60-70) |

#### Investor - Fixed

#### LVR 70.01% to 80%

| Fragment                                                                                                                                                                                                           |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-70-80](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-70-80) |

#### Investor - Fixed

#### LVR 80.01% to 90%

| Fragment                                                                                                                                                                                                           |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-80-90](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-80-90) |

#### Investor - Fixed

#### LVR 90.01% to 95%

| Fragment                                                                                                                                                                                                           |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| [/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-90-95](https://www.virginmoney.com.au/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-90-95) |

Tab Title

Loaded Home Loan

### Reward Me Home Loan

Please note the Reward Me home loan is no longer offered for new applications.  
Existing customers can still [manage a Reward Me Home Loan and Companion Account through the hub.](https://www.virginmoney.com.au/help-and-support/rates-and-fees/reward-me)

Access your account online via the Hub.

* Online: [hub.virginmoney.com.au](https://hub.virginmoney.com.au/)

## Want to talk to a home loan specialist?

Our experts have got your back. They’re on hand to guide you through every step of the journey.

[Enquire now](https://www.virginmoney.com.au/home-loans/enquire-now)

## Key upfront fees

Find out about fees for Virgin Money Lite Home Loan or Loaded Home Loans.{sub-heading}

{empty}

#### **Lite Home Loan**

#### **Loaded Home Loan**

Annual fee

$0

$295 p.a. payable for the first time on the settlement date and then on or about every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded Home Loan held in the same name(s) and capacity.

Settlement fee

$150 - Payable for completing settlement of your loans.

$150 - Payable for completing settlement of your loans.

Valuation fee

We will cover the valuation costs up to $300.

We will cover the valuation costs up to $300

Rate Lock

$750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.

$750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.

Government fees and charges

These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.

These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.

Depending on how you use your loan, you may have to pay [other fees and charges](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/home-loans/lending-guide-to-fees-and-charges.pdf).

Have a RewardMe home loan? The RewardMe home loan is no longer offered for new applications. **[Existing customers can view interest rates and find support here.](https://www.virginmoney.com.au/help-and-support/rates-and-fees/reward-me)**

## The home loan information rundown

#### Important Information

A full list of important information that could apply to your home loan along with terms and conditions.

[See important information](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/home-loans)

#### Base Rates

View our base rates.

[View base rates](https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loan-base-rates)

Style

layout-cols-33-66

Style

layout-cols-33-66, small-button

## Contact us

Find support, contact details & important information.{sub-heading}

[View all contact information](https://www.virginmoney.com.au/contact-us/home-loans)

#### Get in touch

Our lending specialists are here to help. Start with a quick, no obligation chat at a time that works for you. Just fill in the form and our home loan experts will aim to contact you within 24 hours.

[Enquire now](https://www.virginmoney.com.au/home-loans/enquire-now)

#### [13 81 51](tel:138151)

**General enquiries | Home loan & offset account**

Monday to Friday 8am - 6pm (AEST/AEDT)  
Saturday 8am - 5pm (AEST/AEDT)  
Excluding public holidays.

#### [1800 701 997](tel:1800701997)

**Financial Hardship Assistance**

Monday to Friday 8.30am - 5pm (AEST/AEDT)  
Excluding public holidays.

_[View support page](https://www.virginmoney.com.au/help-and-support/assistance/support-and-assistance)_

### Important Information

| Fragment                                                                                                                                   |            |
| ------------------------------------------------------------------------------------------------------------------------------------------ | ---------- |
| [/fragment/terms-and-conditions/home-loans/home-loans](https://www.virginmoney.com.au/fragment/terms-and-conditions/home-loans/home-loans) | 11, 16, 21 |

---

# Source: https://www.virginmoney.com.au/superannuation/individuals/fees

# Superannuation fees

Don’t let superannuation fees eat away your future. Our low fees1 helps you grow your super balance. Less fees, more super.{sub-heading}

* Join now{dropdown-list}  
   * [Individual{external-link}](https://www.youraccountonline.com/form/aus/virginmoney/public-pages/online-join/)  
   * [Employer{external-link}](https://www.youraccountonline.com/form/aus/ST001/employerjoin.html)
* Login{button-group inverse-button dropdown-list}  
   * [Individual{external-link}](https://www.youraccountonline.com/secure?login%5Furi=https://login.identity.virginmoney.com.au)  
   * [Employer{external-link}](https://clearinghouse.virginmoneysuper.com.au/LoginView)

Style

padding-b-0

## Check your annual super fees

Want to see what you’ll pay in super fees? Select your super balance to check your estimated annual fees with Virgin Money Super.1

height

500px

config

```
[{"tag":"link","attributes":{"rel":"stylesheet","href":"/libs/calculators/css/clientlib-vma.min.css"},"children":[]},{"tag":"style","attributes":{},"children":[],"content":"\n\n\t/* Need Rendy to add this to main CSS */\n\t* {\n\t\tfont-family: 'inter', sans-serif, 'roboto-condensed-fallback';\n\t}\n\t\n\t.ui-slider-range {\n\t  height: 16px;\n\t  background-color: #de0000;\n\t  position: relative;\n\t  border: 2px solid #fff;\n\t  border-radius: 16px;\n\t}\n\t\n\t.ui-slider{\n\t  width: 100%;\n\t  height: 16px;\n\t  background-color: #fff;\n\t  border-radius: 16px;\n\t  position: relative;\n\t}\n\t\n\t/* DELETE */\n\t/*.super-fee-comparison {\n\tbackground-color: #e7e7e7;\n\tmargin: 10px 0;\n\tpadding: 20px;\n\t}*/\n\t\n\t.super-fee-comparison:after {\n\t  content: ' ';\n\t  line-height: 0;\n\t  display: block;\n\t  clear: both;\n\t}\n\t\n\t.points-calculator{\n\t  padding: 10px 15px;\n\t  float: left;\n\t}\n\t.points-form,\n\t.points-form form{\n\t  display: block!important;\n\t}\n\t.calculator-row{\n\t  border-bottom: 1px solid #a9a8a9;\n\t  padding: 10px 0;\n\t  float: left;\n\t  width: 100%;\n\t}\n\t\n\t.calculator-item{\n\t  float: left;\n\t  line-height: 24px;\n\t}\n\t\n\t.calculator-item-left{\n\t  width: 394px;\n\t}\n\t\n\t.calculator-item-right{\n\t  width: 294px;\n\t}\n\t\n\t.calculator-input,\n\t.calculator-choice,\n\t.calculator-radio{\n\t  float: left;\n\t  width: 100%;\n\t  padding: 8px 0;\n\t}\n\t\n\t.calculator-slider{\n\t  width: 100%;\n\t  height: 40px;\n\t  padding: 8px 0;\n\t}\n\t\n\t\n\t.calculator-row-1 .calculator-slider-container {\n\t  height: 40px;\n\t}\n\t\n\t.calculator-checkbox{\n\t  float: left;\n\t  padding: 8px 24px 8px 0;\n\t}\n\t\n\t.calculator-input label{\n\t  float: left;\n\t  width: 270px;\n\t  margin: 0;\n\t}\n\t\n\t.calculator-input label.label-full{\n\t  width: 100%;\n\t}\n\t\n\t.calculator-item-right .calculator-input label{\n\t  width: auto;\n\t}\n\t\n\t.credit-block .calculator-item-right .calculator-input label {\n\t  width: 100%;\n\t}\n\t\n\t.calculator-input .input-type{\n\t  float: left;\n\t  width: 15px;\n\t  text-align: right;\n\t  margin: 0 3px 0 10px;\n\t}\n\t\n\t.calculator-input input{\n\t  width: 85px;\n\t  height: 24px;\n\t  line-height: 18px;\n\t  padding: 3px 6px;\n\t  border: 0;\n\t  box-sizing: border-box;\n\t  font-size: 13px;\n\t  /*font-family: 'gotham-roundedbook', Arial, Verdana, Helvetica, sans-serif;*/\n\t}\n\t\n\t.calculator-item-choice-inline .calculator-input,\n\t.calculator-item-choice-inline .calculator-choice {\n\t  width: 120px;\n\t}\n\t\n\t.calculator-item-choice-inline .calculator-input label {\n\t  width: auto;\n\t}\n\t\n\t.calculator-radio-button{\n\t  float: left;\n\t  padding: 0 0 0 25px;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/calculator-radio-button.png) left no-repeat;\n\t  cursor: default;\n\t}\n\t\n\t.calculator-radio-button-checked{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/calculator-radio-button-checked.png) left no-repeat;\n\t}\n\t\n\t.calculator-checkbox-button{\n\t  float: left;\n\t  padding: 0 0 0 35px;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/calculator-checkbox.png) left no-repeat;\n\t  cursor: default;\n\t}\n\t\n\t.calculator-checkbox-button-checked{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/calculator-checkbox-checked.png) left no-repeat;\n\t}\n\t\n\t.calculator-tooltip {\n\t  width: 17px;\n\t  height: 17px;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/tooltip-icon.png) no-repeat;\n\t  position: relative;\n\t  display: inline-block;\n\t  margin: 0 0 -3px 8px;\n\t}\n\t\n\t.calculator-tooltip .calculator-tooltip-wrapper{\n\t  position: absolute;\n\t  left: 18px;\n\t  top: -21px;\n\t  padding-left: 12px;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/tooltip-point.png) 0 16px no-repeat;\n\t  z-index: 999999;\n\t  white-space: normal;\n\t  display: none;\n\t}\n\t\n\t.calculator-checkbox .calculator-tooltip .calculator-tooltip-wrapper{\n\t  top: auto;\n\t  bottom: 17px;\n\t  left: -120px;\n\t  padding: 0 0 12px 0;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/tooltip-point-bottom.png) bottom right no-repeat;\n\t}\n\t\n\t.calculator-tooltip .calculator-tooltip-value{\n\t  background: #fff;\n\t  border-radius: 8px;\n\t  padding: 15px 10px;\n\t  width: 175px;\n\t  font-size: 11px;\n\t  line-height: 15px;\n\t  box-shadow: 2px 2px 2px 0 rgba(0, 0, 0, 0.1);\n\t}\n\t\n\t\n\t.slider-min{\n\t  float: left;\n\t  margin-left: 15px;\n\t}\n\t\n\t.slider-max{\n\t  float: right;\n\t  margin-right: 15px;\n\t}\n\t\n\t.slider-bar{\n\t  float: left;\n\t}\n\t.slider-bar-label{\n\t  width: 27%;\n\t  float: left;\n\t}\n\t\n\t.slider-wrapper{\n\t  float: left;\n\t  width: 70%;\n\t}\n\t\n\t.slider-bar-ticks{\n\t  position: relative;\n\t  float:left;\n\t  height: 40px;\n\t  width:100%;\n\t}\n\t.slider-bar-tick{\n\t  position: absolute;\n\t  top: 20px;\n\t}\n\t.slider-bar-tick span{\n\t  position: absolute;\n\t  transform: translatex(-50%);\n\t  font-size: 16px;\n\t}\n\t\n\t\n\t.calculator-choice .ui-slider{\n\t  width: 48px;\n\t}\n\t\n\t.ui-slider-handle{\n\t  height: 30px;\n\t  width: 30px;\n\t  border-radius: 30px;\n\t  background-color: #414141;\n\t  display: block;\n\t  position: absolute;\n\t  top: -7px;\n\t  margin-left: 3%;\n\t  outline: none!important;\n\t}\n\t\n\t.ui-slider-value{\n\t  position: absolute;\n\t  right: 35px;\n\t  top: 7px;\n\t  color: #fff;\n\t  font-size: 11px;\n\t  line-height: 16px;\n\t}\n\t\n\t.ui-slider-value-inversed{\n\t  right: auto;\n\t  left: 35px;\n\t  color: #00b3be;\n\t}\n\t\n\t.points-chart{\n\t  color: #414042;\n\t  float: left;\n\t  width:100%;\n\t  padding: 20px 0;\n\t}\n\t\n\t.points-chart .v-axis{\n\t  margin-right: 5px;\n\t  float: left;\n\t}\n\t\n\t.points-chart .v-axis .grid{\n\t  padding-right: 3px;\n\t  margin-left: 60px;\n\t  border-left: 3px solid #77787b;\n\t  border-top: 1px solid #77787b;\n\t  position: relative;\n\t  box-sizing: border-box;\n\t}\n\t\n\t.points-chart .v-axis .grid:first-child{\n\t  border-top: none;\n\t}\n\t\n\t.points-chart .v-axis .grid-value{\n\t  position: absolute;\n\t  left: -60px;\n\t  top: -10px;\n\t  text-align: right;\n\t  font-size: 16px;\n\t  line-height: 20px;\n\t  width: 50px;\n\t}\n\t\n\t.points-chart .h-axis{\n\t  border-top: 3px solid #77787b;\n\t  -webkit-box-sizing: content-box;\n\t  -moz-box-sizing: content-box;\n\t  box-sizing: content-box;\n\t  margin-left: 60px;\n\t  padding-left: 11px;\n\t  float: left;\n\t  clear: both;\n\t  width: calc(100% - 80px);\n\t}\n\t.points-chart .h-axis .h-axis-wrapper {\n\t  float: left;\n\t  padding-top: 70px;\n\t}\n\t.points-chart .h-axis-wrapper-inner {\n\t  position: relative;\n\t}\n\t.points-chart .h-axis .column-label{\n\t  overflow: visible;\n\t  padding-inline: 10px;\n\t}\n\t.points-chart .h-axis .column-label span{\n\t  /* display: block; */\n\t  font-size: 20px;\n\t  text-align: right;\n\t  line-height: 13px;\n\t  text-indent: 65px;\n\t  transform: rotate(0 deg);\n\t  transform-origin: 0 90%;\n\t  white-space:nowrap;\n\t  /* width:80px; */\n\t  font-weight: bold;\n\t}\n\t\n\t\t@media only screen and (max-width: 768px) {\n\t\t.points-chart .h-axis .column-label span{\n\t\t  transform-origin: 0 50%;\n\t\t}\n\t  }\n\t  \n\t.points-chart .h-axis > .column-label{\n\t  padding-top: 70px;\n\t}\n\t\n\t.points-chart .columns{\n\t  float: left;\n\t  height: 300px;\n\t  width: calc(100% - 80px);\n\t}\n\t\n\t.points-chart .column-box,\n\t.points-chart .h-axis .column-label{\n\t  float: left;\n\t}\n\t.points-chart .comparison-scroller{\n\t  float:left;\n\t  overflow-x: hidden;\n\t}\n\t\n\t.points-chart .column-box div{\n\t  margin: 0 5%;\n\t}\n\t\n\t.points-chart .column-box .points-wrapper{\n\t  position: relative;\n\t}\n\t\n\t.super-fee-comparison .points-chart .column-box .points{\n\t  background-color: #E10A0A;\n\t  position:relative;\n\t}\n\t\n\t.super-fee-comparison .points-chart  .comparison-scroller .column-box .points{\n\t  background-color: #FFA199;\n\t}\n\t\n\t.points-chart .column-box .points span{\n\t  color: #FFF;\n\t  position: absolute;\n\t  bottom: 70px;\n\t  text-align: center;\n\t  width: 100%;\n\t  font-size: 18px;\n\t  font-weight: bold;\n\t}\n\t.points-chart .column-box .points,\n\t.points-chart .column-box .blank-points{\n\t  -webkit-transition: height 0.5s;\n\t  -o-transition: height 0.5s;\n\t  -moz-transition: height 0.5s;\n\t  transition: height 0.5s;\n\t}\n\t\n\t.points-breakdown{\n\t  margin: 10px 15px 10px 72px;\n\t  padding: 15px;\n\t  background-color: #fff;\n\t  border-radius: 8px;\n\t  float: left;\n\t}\n\t\n\t.breakdown-title{\n\t  text-align: center;\n\t  line-height: 30px;\n\t}\n\t\n\t.breakdown-list{\n\t  overflow: hidden;\n\t  border-bottom: 1px solid #e7e7e7;\n\t  margin-bottom: 5px;\n\t  padding: 10px 0 20px 0;\n\t}\n\t\n\t.breakdown-list .breakdown-item{\n\t  float: left;\n\t  width: 200px;\n\t  box-sizing: border-box;\n\t}\n\t\n\t.breakdown-list .breakdown-loan{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/breakdown-loan.png) left top no-repeat;\n\t  padding-left: 38px;\n\t}\n\t\n\t.breakdown-list .breakdown-credit{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/breakdown-credit.png) left no-repeat;\n\t  padding-left: 43px;\n\t}\n\t\n\t.breakdown-list .breakdown-insurance{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/breakdown-insurance.png) left no-repeat;\n\t  padding-left: 53px;\n\t}\n\t\n\t.breakdown-list .breakdown-description{\n\t  font-size: 11px;\n\t}\n\t\n\t.breakdown-info{\n\t  padding: 10px 0 5px 0;\n\t}\n\t\n\t#copy .breakdown-info p{\n\t  margin-bottom: 0!important;\n\t  line-height: 18px;\n\t}\n\t\n\t.points-disclaimer{\n\t  margin: 20px 15px 20px 72px;\n\t  float: left;\n\t}\n\t\n\t#copy .points-disclaimer p{\n\t  margin-bottom: 0!important;\n\t  font-size: 11px;\n\t}\n\t\n\t.nowrap{\n\t  display: inline;\n\t  white-space: nowrap;\n\t}\n\t\n\t#copy .points-disclaimer p:not(:last-child) {\n\t  padding-bottom: 8px;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison{\n\t  color: #414042;\n\t  font-size: 13px;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison a,\n\tbody.in-mobile .super-fee-comparison a:visited,\n\tbody.in-mobile .super-fee-comparison a:hover{\n\t  color: #414042;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison label{\n\t  font-size: 13px;\n\t  line-height: 16px;\n\t  padding: 8px 0;\n\t  width: auto;\n\t}\n\t\n\tbody.in-mobile .calculator-item-right .calculator-input label{\n\t  width: auto;\n\t  padding-right: 8px;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison input{\n\t  font-size: 13px;\n\t  background-color: #fff;\n\t}\n\t\n\tbody.in-mobile .points-calculator {\n\t  padding-top: 0;\n\t}\n\t\n\tbody.in-mobile .calculator-row {\n\t  position: relative;\n\t}\n\t\n\tbody.in-mobile .calculator-item{\n\t  width: 100%;\n\t  box-sizing: border-box;\n\t}\n\t\n\tbody.in-mobile .calculator-item-choice{\n\t  /* padding-right: 85px; */\n\t}\n\t\n\tbody.in-mobile .calculator-wrapper{\n\t  margin: 0 auto;\n\t  width: 160px;\n\t}\n\t\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-item-choice-inline .calculator-input {\n\t  width: 40%;\n\t}\n\t\n\tbody.in-mobile .calculator-row-2 .calculator-wrapper{\n\t  padding: 0;\n\t  float: none;\n\t}\n\t\n\tbody.in-mobile .calculator-item-left {\n\t  width: 100%;\n\t}\n\t\n\tbody.in-mobile .calculator-item-right {\n\t  width: 60%;\n\t  float: left;\n\t}\n\tbody.in-mobile .calculator-item-right .slider-bar {\n\t  float: right;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip {\n\t  margin-top: 3px;\n\t}\n\t\n\tbody.in-mobile .calculator-row-2 .calculator-item-right .calculator-choice {\n\t  margin: 0 auto;\n\t}\n\t\n\tbody.in-mobile .calculator-slider-container {\n\t  height: auto;\n\t  width: 100%;\n\t}\n\t\n\tbody.in-mobile .calculator-slider{\n\t  position: relative;\n\t  padding: 0 15px;\n\t  width: calc(100% - 30px);\n\t}\n\t\n\tbody.in-mobile #loan-slider,\n\tbody.in-mobile #credit-amount-slider,\n\tbody.in-mobile #tenure-slider{\n\t  width: 100%;\n\t  float: none;\n\t  margin: 0;\n\t}\n\t\n\tbody.in-mobile #loan-slider .ui-slider-value,\n\tbody.in-mobile #credit-amount-slider .ui-slider-value{\n\t  display: none;\n\t}\n\t\n\tbody.in-mobile .slider-min,\n\tbody.in-mobile .slider-max {\n\t  margin: 10px 0;\n\t  /*width: 80px;*/\n\t  /*text-align: right;*/\n\t  /*position: absolute;*/\n\t  /*top: 6px;*/\n\t  /*left: 0;*/\n\t}\n\t\n\tbody.in-mobile .slider-max {\n\t  /*width: 80px;*/\n\t  /*text-align: left;*/\n\t  /*position: absolute;*/\n\t  /*top: 6px;*/\n\t  /*right: 0;*/\n\t}\n\t\n\tbody.in-mobile .calculator-choice{\n\t  /*  position: absolute;\n\t  width: auto;\n\t  right: 0;\n\t  top: 10px;*/\n\t}\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-choice{\n\t  top: auto;\n\t  bottom: 10px;\n\t}\n\t\n\tbody.in-mobile .calculator-radio-button,\n\tbody.in-mobile .calculator-checkbox-button{\n\t  font-size: 11px;\n\t}\n\t\n\tbody.in-mobile .calculator-checkbox {\n\t  width: 100%;\n\t  padding: 8px 0;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip .calculator-tooltip-wrapper {\n\t  top: auto;\n\t  bottom: 17px;\n\t  left: -140px;\n\t  padding: 0 0 12px 0;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/tooltip-point-bottom.png) bottom right no-repeat;\n\t}\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-tooltip .calculator-tooltip-wrapper {\n\t  background-position: bottom left;\n\t  left: -35px;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip .calculator-tooltip-value {\n\t  box-shadow: -2px -2px 2px 0 rgba(0, 0, 0, 0.1);\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip-button{\n\t  line-height: 20px;\n\t}\n\t\n\tbody.in-mobile .points-breakdown{\n\t  float: none;\n\t  margin: 20px 15px;\n\t}\n\t\n\tbody.in-mobile .breakdown-title {\n\t  text-align: center;\n\t  line-height: 15px;\n\t  padding: 15px 0 10px 0;\n\t}\n\t\n\tbody.in-mobile .breakdown-list{\n\t  padding: 0 0 5px 0;\n\t}\n\t\n\tbody.in-mobile .points-breakdown .breakdown-item{\n\t  float: none;\n\t  width: 160px;\n\t  margin: 10px auto;\n\t}\n\t\n\tbody.in-mobile .points-disclaimer {\n\t  margin: 20px 15px;\n\t  float: none;\n\t}\n\tdiv.vma-important-info{\n\t  background: url(\"http://virginmoney.com.au/images/global/icons/icon-vma-info-22-red.png\") no-repeat scroll 72px 0;\n\t  clear: both;\n\t  font-size: 11px;\n\t  padding-left: 100px;\n\t  padding-right: 20px;\n\t}\n\tbody.in-mobile div.vma-important-info{\n\t  background: url(\"http://virginmoney.com.au/images/global/icons/icon-vma-info-22-red.png\") no-repeat scroll 22px 0;\n\t  padding-left: 50px;\n\t  margin-top:15px;\n\t}\n\tdiv.tenure-div{\n\t  padding-top: 10px;\n\t}\n\t.clearfix:after {\n\t  content: \".\";\n\t  display: block;\n\t  clear: both;\n\t  visibility: hidden;\n\t  line-height: 0;\n\t  height: 0;\n\t}\n\t.clearfix {\n\t  /*display: inline-block;*/\n\t}\n\thtml[xmlns] .clearfix {\n\t  display: block;\n\t}\n\t* html .clearfix {\n\t  height: 1%;\n\t}\n\t\n\t@media screen and (max-width: 768px) {\n\t  .super-fee-comparison{\n\t\toverflow-x: hidden;\n\t\tpadding: 20px 0;\n\t  }\n\t  .points-chart{\n\t\twidth:275%;\n\t  }\n\t  .slider-bar-label{\n\t\ttext-align: center;\n\t\twidth: 100%;\n\t\tmargin-bottom: 20px;\n\t  }\n\t  .slider-wrapper{\n\t\twidth: 80%;\n\t\tfloat:none;\n\t\tmargin: 10px auto;\n\t  }\n\t  .points-chart .h-axis .h-axis-wrapper{\n\t\tfloat: left;\n\t\toverflow-x: hidden;\n\t\toverflow-y: visible;\n\t\tpadding-top: 60px;\n\t  }\n\t\n\t}\n\t\n\t"},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery-1.8.2.min.js"},"children":[],"content":""},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery-ui-1.9.2.custom.js"},"children":[],"content":""},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery.ui.touch-punch.min.js"},"children":[],"content":""},{"tag":"div","attributes":{"class":"main-container"},"children":[{"tag":"div","attributes":{"class":"super-fee-comparison vma-calculator"},"children":[{"tag":"div","attributes":{"class":"data"},"children":[{"text":"[\"Product Name\", \"$150,000\", \"$100,000\", \"$50,000\", \"$25,000\", \"$5,000\"],\n\t\t[\"Virgin Money Super\", 946, 650, 354, 206, 88],\n\t\t[\"Industry Fund Average\", 1240, 847, 454, 257, 100],\n\t\t[\"Retail Fund Average\", 1236, 844, 452, 256, 99],"}]}]},{"tag":"script","attributes":{},"children":[],"content":"\n\n\n\tvar comparison_points_options = Object();\n\tchartHeight = 300;\n\t/**\n\tmain Function to build a comparison calculator\n\targument: id of div to be replaced with calc\n\t*/\n\tfunction buildComparison(calcId) {\n\t\n\t  $velocity_calculator = jQuery('#' + calcId);\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  comparisonHtml  = \"\";\n\t  comparisonHtml += '<div class=\"points-form clearfix\">';\n\t  comparisonHtml += '  <form class=\"clearfix\">';\n\t  comparisonHtml += '\t\t\t<div class=\"calculator-item slider-bar-label\">What is your super balance?</div>';\n\t  comparisonHtml += '\t\t\t<div class=\"calculator-item slider-wrapper\">';\n\t  comparisonHtml += '\t\t\t\t<div class=\"slider-bar\"></div>';\n\t  comparisonHtml += '\t\t\t\t<div class=\"slider-bar-ticks clearfix\">';\n\t  for(i=1; i<data[0].length; i++){\n\t\tcomparisonHtml += '\t\t\t<div class=\"slider-bar-tick\" style=\"left:' + ((i-1) * (100 / (data[0].length - 2))) + '%;\"><span>' + data[0][i] + '</span></div>';\n\t  }\n\t  comparisonHtml += '\t\t\t\t</div>';\n\t  comparisonHtml += '\t\t\t</div>';\n\t  comparisonHtml += '\t</form>';\n\t  comparisonHtml += '</div>';\n\t  comparisonHtml += '<div class=\"points-chart\"><div class=\"points-chart-inner\">';\n\t  comparisonHtml += buildComparisonVAxis(calcId, 3);\n\t  comparisonHtml += buildComparisonColumns(calcId, 3);\n\t  comparisonHtml += buildComparisonHAxis(calcId);\n\t  comparisonHtml += '</div></div>';\n\t\n\t  $velocity_calculator.html(comparisonHtml);\n\t\n\t  jQuery(\".points-chart .comparison-scroller-inner\", $velocity_calculator).draggable(\n\t\t{\n\t\t  axis: \"x\",\n\t\t  scroll: false,\n\t\t  drag: function( event, ui ) {\n\t\t\tif(ui.position.left >= 0){\n\t\t\t  ui.position.left = 0;\n\t\t\t}\n\t\t\tscrollWindowWidth = $velocity_calculator.outerWidth() - (jQuery('.v-axis', $velocity_calculator).outerWidth() + jQuery('.column-box-1', $velocity_calculator).outerWidth());\n\t\t\tif(ui.position.left < -(jQuery(this).width() - scrollWindowWidth)){\n\t\t\t  ui.position.left = (jQuery(this).width() - scrollWindowWidth > 0) ? -(jQuery(this).width() - scrollWindowWidth) : 0;\n\t\t\t}\n\t\t\tjQuery(\".h-axis-wrapper-inner\", $velocity_calculator).css('left', ui.position.left);\n\t\t  }\n\t\t}\n\t  );\n\t\n\t  jQuery('.slider-bar', $velocity_calculator).slider({\n\t\trange: \"min\",\n\t\tvalue: 3,\n\t\tmin: 1,\n\t\tmax: 5,\n\t\tslide: function(event, ui) {\n\t\t  rebuildComparisonColumns(calcId, ui.value);\n\t\t  jQuery('.v-axis', '#' + calcId).replaceWith(buildComparisonVAxis(calcId, ui.value));\n\t\t},\n\t\tcreate: function(event, ui) {\n\t\t  // build label\n\t\t}\n\t  });\n\t\n\t\n\t\n\t  //  activateCalculator(calcId);\n\t}\n\t\n\tfunction buildComparisonVAxis(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  ticks = getTicks(data, idx, 4); // due to rounding this can sometimes be 5\n\t\n\t  comparison_points_options[calcId]['ticks'] = ticks;\n\t\n\t  vAxisHtml  = '\t<div class=\"v-axis\">';\n\t  vAxisHtml += '\t\t<div style=\"height: 0px\"></div>';\n\t  for(i = ticks.length-1; i >= 0; --i){\n\t\tvAxisHtml += '\t\t<div class=\"grid\" style=\"height: ' + (chartHeight / ticks.length) + 'px\">';\n\t\tvAxisHtml += '\t\t\t<div class=\"grid-value\">$' + parseInt(ticks[i]) + '</div>';\n\t\tvAxisHtml += '\t\t</div>';\n\t  }\n\t  vAxisHtml += '\t</div>';\n\t\n\t  return vAxisHtml;\n\t}\n\t\n\tfunction buildComparisonHAxis(calcId){\n\t\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  hAxisHtml  = '\t<div class=\"h-axis cols-' + (data.length - 1) + '\">';\n\t  hAxisHtml += '\t\t<div class=\"column-label\" style=\"width:' + (100 / ( data.length - 1 )) + '%\"><span>' + data[1][0] + '</span></div>';\n\t  hAxisHtml += '\t\t<div class=\"h-axis-wrapper\" style=\"width:' + (100 - (100 / ( data.length - 1 ) ) ) + '%\"><div class=\"h-axis-wrapper-inner\">';\n\t  for(i=2; i<data.length; i++){\n\t\thAxisHtml += '\t\t\t<div class=\"column-label\" style=\"width:' + (100 / ( data.length - 2 )) + '%\"><span>' + data[i][0] + '</span></div>';\n\t  }\n\t  hAxisHtml += '\t\t</div></div>';\n\t  hAxisHtml += '\t</div>';\n\t  return hAxisHtml;\n\t}\n\t\n\tfunction buildComparisonColumns(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t  ticks = getTicks(data, idx, 4);\n\t  maxVal = ticks[ticks.length-1];\n\t\n\t  columnsHTML  = '\t<div class=\"columns cols-' + (data.length - 1) + '\">';\n\t  columnsHTML += '\t\t<div class=\"column-box column-box-1\" style=\"width:' + (100 / ( data.length - 1 )) + '%\">';\n\t  columnsHTML += '\t\t\t<div class=\"blank-points\" style=\"height: ' + (chartHeight - Math.ceil((data[1][idx] / maxVal) * chartHeight)) + 'px;\"></div>';\n\t  columnsHTML += '\t\t\t<div class=\"points-wrapper\">';\n\t  columnsHTML += '\t\t\t\t<div class=\"points\" style=\"height: ' + Math.ceil((data[1][idx] / maxVal) * chartHeight) + 'px;\"><span>' + dollarFormat(data[1][idx]) + '</span></div>';\n\t  columnsHTML += '\t\t\t</div>';\n\t  columnsHTML += '\t\t</div>';\n\t  columnsHTML += '\t\t<div class=\"comparison-scroller\" style=\"width:' + (100 - (100 / ( data.length - 1 ) ) ) + '%\">';\n\t  columnsHTML += '\t\t\t<div class=\"comparison-scroller-inner\">';\n\t  for(i=2; i<data.length; i++){\n\t\tcolumnsHTML += '\t\t\t\t<div class=\"column-box column-box-' + i + '\" style=\"width:' + (100 / ( data.length - 2 )) + '%\">';\n\t\tcolumnsHTML += '\t\t\t\t\t<div class=\"blank-points\" style=\"height: ' + (chartHeight - Math.ceil((data[i][idx] / maxVal) * chartHeight)) + 'px;\"></div>';\n\t\tcolumnsHTML += '\t\t\t\t\t<div class=\"points-wrapper\">';\n\t\tcolumnsHTML += '\t\t\t\t\t\t<div class=\"points\" style=\"height: ' + Math.ceil((data[i][idx] / maxVal) * chartHeight) + 'px;\"><span>' + dollarFormat(data[i][idx]) + '</span></div>';\n\t\tcolumnsHTML += '\t\t\t\t\t</div>';\n\t\tcolumnsHTML += '\t\t\t\t</div>';\n\t  }\n\t  columnsHTML += '\t\t\t</div>';\n\t  columnsHTML += '\t\t</div>';\n\t  columnsHTML += '\t</div>';\n\t\n\t  return columnsHTML;\n\t}\n\t\n\tfunction rebuildComparisonColumns(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t  ticks = getTicks(data, idx, 4);\n\t  maxVal = ticks[ticks.length-1];\n\t\n\t  for(i=1; i<data.length; i++){\n\t\tjQuery('.blank-points', '#' + calcId + ' .column-box-' + i).height((chartHeight - Math.ceil((data[i][idx] / maxVal) * chartHeight)));\n\t\tjQuery('.points', '#' + calcId + ' .column-box-' + i).height(Math.ceil((data[i][idx] / maxVal) * chartHeight)).html('<span>' + dollarFormat(data[i][idx]) + '</span>');\n\t  }\n\t}\n\t\n\tfunction getTicks(data, idx, tickCount){\n\t  maxVal = 0;\n\t  ticks = [];\n\t  for(i=1; i<data.length; i++){\n\t\tmaxVal = Math.max(maxVal, data[i][idx]);\n\t  }\n\t  tickCount = 4;\n\t  tempStep = maxVal / tickCount;\n\t  mag = Math.floor(Math.log10(tempStep));\n\t  magPow = Math.pow(10, mag);\n\t  magMsd = parseInt(tempStep / magPow + 0.5);\n\t  stepSize = magMsd * magPow;\n\t\n\t  val = 0;\n\t  while(val < maxVal){\n\t\tval += stepSize;\n\t\tticks.push(val);\n\t  }\n\t  return ticks;\n\t}\n\t\n\tif(typeof Math.log10 == 'undefined'){\n\t  Math.log10 = function (x) {\n\t\treturn Math.log(x) / Math.LN10;\n\t  };\n\t}\n\t\n\tfunction dollarFormat(number){\n\t  return '$' + addCommas(number);\n\t}\n\t\n\tfunction addCommas(number) {\n\t  var n= number.toString().split(\".\");\n\t  n[0] = n[0].replace(/\\B(?=(\\d{3})+(?!\\d))/g, \",\");\n\t  return n.join(\".\");\n\t}\n\tjQuery(document).ready(function() {\n\t  jQuery('.super-fee-comparison').each(function(idx, obj){\n\t\t// don't do anything if no id provided\n\t\tif(typeof jQuery(obj).attr('id') == 'undefined'){\n\t\t  jQuery(obj).attr('id', 'comparison' + idx);\n\t\t}\n\t\tid = jQuery(obj).attr('id');\n\t\tcomparison_points_options[id] = Object();\n\t\tdata = \"[\" + jQuery('.data', obj).html().trim() + \"]\";\n\t\tconsole.log(data, eval(data));\n\t\tjQuery('.data', obj).remove();\n\t\tcomparison_points_options[id]['data'] = eval(data);\n\t\tbuildComparison(id);\n\t  })\n\t});\n\t\n\t"}]}]

```

[/fragment/terms-and-conditions/superannuation/fees-important-information](https://www.virginmoney.com.au/fragment/terms-and-conditions/superannuation/fees-important-information)

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## Breakdown of your annual super fees & other costs

A breakdown of your superannuation fees. Select the fees you want defined on the tabs below.

### Activity fees

Additional fees may occur depending on specific super account requests you make.

**What do you pay for?** {grey-row}

**How much is it?**

**How and when is it paid?**

Switching fee

NIL

N/A

Insurance administration fee

$18 per annum per policy

Deducted monthly from account balance

Family law split

$88

One off deducted from account balance, generally split equally between you and your former spouse

Family law information request

$110

One off fee. Payable by cheque upon application.

Overseas transfer fee

NIL

N/A

For more information, refer to the [Product Disclosure Statement (PDS)](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/superannuation/super-product-disclosure-statement.pdf).

Tab Title

Activity fees

### Administration fees {font-dark}

The general administration fees that cover the cost of keeping your super account.{sub-heading}

**What do you pay for?** {grey-row}

**How much is it?**

**How and when is it paid?**

Administration fee (dollar based)\*

$58 per annum

Fixed dollar-based administration fee is generally deducted on the last day of the month from your account balance.

Administration fee (asset based)\*

0.424% per annum

Asset-based administration fee is generally calculated and deducted daily when unit prices are determined. Reflected in your super account balance.

Administration cost

0.03% per annum

Costs associated with product and strategic services, estimated to be 0.03% per annum of Mercer Super Trust assets.

\* From 1 July 2019, if your super account balance is less than $6,000 at 30 June of a financial year, the total combined amount of administration fees, investment fees and transaction costs charged to you for the relevant financial year is capped at 3% of your super account balance. Any amount charged in excess of the cap must be refunded.

For more information, refer to the [Product Disclosure Statement (PDS)](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/superannuation/super-product-disclosure-statement.pdf) and [Product Guide](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/superannuation/super-product-guide.pdf).

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Tab Title

Administration fees

### Transaction costs18{font-dark}

The costs associated with trading to manage the investment strategy for each investment option in your superannuation account. Note you’ll only pay transaction costs for the investment strategy or strategies that apply to your super.

**What do you pay for?**{grey-row}

**How much is it?**

LifeStage Tracker®

0.00% - 0.01% p.a.

Indexed Diversified Shares

0.00% p.a.

Enhanced Indexed Conservative Growth

0.01% p.a.

Enhanced Indexed Growth

0.00% p.a.

Indexed Australian Shares

0.00% p.a.

Indexed Overseas shares

0.00% p.a.

Indexed Australian Listed Property

0.00% p.a.

Cash

0.00% p.a.

**How and when is it paid?** Generally deducted daily when unit prices are determined. Reflected in your super account balance.

For more information, refer to the [Product Disclosure Statement (PDS)](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/superannuation/super-product-disclosure-statement.pdf).

Style

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Tab Title

Transaction costs

### Investment fees and costs18{font-dark}

This covers the ongoing cost associated with managing your investment, which can vary depending on the investment options. It’s a percentage based fee that is applied to the money you have invested in each investment option. {sub-heading}

**What do you pay for?**

**How much is it?**

LifeStage Tracker®

0.146% - 0.156% p.a. of your account balance in this option

Indexed Diversified Shares

0.23% p.a. of your account balance in this option

Enhanced Indexed Conservative Growth

0.29% p.a. of your account balance in this option

Enhanced Indexed Growth

0.28% p.a. of your account balance in this option

Indexed Australian Shares

0.22% p.a. of your account balance in each of this option

Indexed Overseas Shares

0.22% p.a. of your account balance in each of this option

Indexed Australian Listed Property

0.23% p.a. of your account balance in each of this option

Cash

0.12% p.a. of your account balance in this option

**How and when is it paid?** Generally calculated and deducted daily (from the underlying investment vehicles or the relevant investment options) when unit prices are determined. Reflected in a reduction of investment returns of the investment option.

For more information, refer to the [Product Disclosure Statement (PDS)](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/superannuation/super-product-disclosure-statement.pdf).

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Tab Title

Investment fees and costs

### Insurance fees{font-dark}

**Age next birthday**

**Type of Automatic Insurance cover6**

**Annual premium**  
**A**

**Annual cost recovery fee**  
**B**

**Annual insurance fee**  
**A+B**

**30 years old**

Death and TPD

$243,000 of cover

($2.73/week x 52) = $141.96

$1.5 x 12 = $18.00

$159.96

**40 years old**

Death and TPD

$270,400 of cover

($3.64/week x 52) = $189.28

$1.5 x 12 = $18.00

$207.28

**30 years old**

Death only

$243,000 of cover

($1.65/week x 52) = $85.80

$1.5 x 12 = $18.00

$103.80

**40 years old**

Death only

$270,400 of cover

($2.20/week x 52) = $114.40

$1.5 x 12 = $18.00

$132.40

The cost of insurance is made up of two elements:

1. A cost recovery fee of $1.50 per month per policy (retained by the fund to cover the cost of providing insurance to members) and
2. A monthly premium payable to the Insurer. The monthly premium is based on the type of cover, number of units and your age.

For more info, see the examples below or refer to our [Insurance Guide](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/superannuation/super-insurance-guide.pdf).

Style

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Tab Title

Insurance fees

Style

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## Baby Break

It doesn't seem fair when mums or dads go on parental leave and their employer superannuation contributions stop, but their fees don't. Virgin Money Super was one of the first super funds in Australia to do something about it, granting discounts on their super fees for eligible customers on parental leave.{sub-heading}

If you’re an existing Virgin Money Super customer, complete the [Baby Break application form{link-button}](https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/superannuation/Virgin-Money-Super-Baby-Break-Application-Form.pdf)

Conditions apply. See [full terms and conditions](https://www.virginmoney.com.au/help-and-support/forms-and-important-information/superannuation-key-documents).

Discount your asset based administration fee for up to 12 months while you're on parental leave: From 0.424% to 0.074%.

## Join Virgin Money Super

Get your super sorted in minutes. Join online, enjoy low fees1, customise your investments, and keep track of your super balance.{sub-heading}

* Join now{dropdown-list inverse-button}  
   * [Individual{external-link}](https://www.youraccountonline.com/form/aus/virginmoney/public-pages/online-join/)  
   * [Employer{external-link}](https://www.youraccountonline.com/form/aus/ST001/employerjoin.html)
* Login{dropdown-list secondary-button}  
   * [Individual{external-link}](https://www.youraccountonline.com/secure?login%5Furi=https://login.identity.virginmoney.com.au)  
   * [Employer{external-link}](https://clearinghouse.virginmoneysuper.com.au/LoginView)

Style

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Style

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## Learn more about all things superannuation

Discover our helpful blogs and guides to help you learn more on super - from superannuation fees to managing your finances.

#### How to enhance your superannuation

Explore opportunities to boost your super returns.

[Learn more](https://www.virginmoney.com.au/blog/superannuation/maximise-your-superannuation)

#### Our guide to getting more from your money

See our tips to effortlessly grow your savings.

[Learn more](https://www.virginmoney.com.au/blog/my-money/get-more-from-your-money)

#### 7 steps to spring clean your finances

Help refresh your finances with 7 simple steps to save more and spend smarter.

[Learn more](https://www.virginmoney.com.au/blog/my-money/7-steps-to-spring-clean-your-finances)

[/fragment/help-and-support/superannuation/useful-links](https://www.virginmoney.com.au/fragment/help-and-support/superannuation/useful-links)

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## Contact us

Got a question? We’ve got answers. Contact us today — we’re here to help with whatever you need.

#### Call us

Monday to Friday: 8am – 6pm AEST.

[1300 652 770](tel:1300652770)

#### Online enquiry form

Send us an enquiry and we’ll get back to you within 1–2 business days.

[Enquire now](https://www.youraccountonline.com/form/aus/VIRGINMONEY/public-pages/public-contact-us.html)

#### Employer hotline

Monday to Friday: 9am – 5pm AEST

[1300 855 040](tel:1300855040)

Style

bg-light-grey

### Important information

[/fragment/terms-and-conditions/superannuation/important-information](https://www.virginmoney.com.au/fragment/terms-and-conditions/superannuation/important-information)

#### Things you need to know

| Fragment                                                                                                                                                               |          |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------- |
| [/fragment/terms-and-conditions/superannuation/terms-and-conditions](https://www.virginmoney.com.au/fragment/terms-and-conditions/superannuation/terms-and-conditions) | 1, 6, 18 |

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Velocity Points Credit Card Offer

Earn bonus Velocity Points when you meet the offer criteria. That’s enough for an upgrade to Business Class, or even a flight to Europe to sip negronis in Italy.

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Earn up to 100,000 bonus Velocity Points and 100 Status Credits20 with a Virgin Australia Velocity High Flyer Card

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 approval.
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Simply purchase and fly on an eligible Virgin Australia flight and you'll get rewarded with an additional 20% Bonus Status Credits (up to 100 Bonus Status Credits each year).5

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Enjoy international and domestic travel insurance with domestic rental vehicle insurance, and mobile phone insurance.62

High Flyer Credit Card lowdown

A breakdown of our High Flyer Credit Card’s perks, rates, fees and limits.

Please see the rates and fees page, and forms and important information page for full details

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Rates, fees & limits
Annual fee	$349 Annual fees are subject to change.
Interest-free period	Up to 44 days on retail purchases.8
Purchase rate	21.99% p.a.
Cash advance rate	21.99% p.a.
Minimum credit limit	$10,000
Points
Velocity Points earn rate	Earn 0.75 Velocity Points per $1 spent on Eligible Transactions up to $5,000 per statement period, then 0.25 Points per $1 spent thereafter.10
Accelerated Velocity Points	Earn 2 extra Velocity Points for every eligible $1 spent directly with Virgin Australia using your High Flyer Credit Card.41 Plus as a Velocity Points earning cardholder, you can earn 5 Points per $1 spent on eligible Virgin Australia flights.61
Velocity Partners & Offers	Velocity has an extensive network of global program partners and offers.
Travel benefits
Virgin Australia gift voucher	$129 Virgin Australia Gift Voucher each year17 (when you make a retail purchase in the 2 months prior to requesting the voucher). Available to Primary Cardholders only.
Velocity Membership Bonus Status Credits	Up to 100 Bonus Status Credits each year when you book and fly on an eligible Virgin Australia flight.5 Available to Primary Cardholders only.
Virgin Australia Lounge passes	2 complimentary Single Entry Domestic Lounge passes each year.33
Complimentary Insurances6
International Travel Insurance	[Image]
Domestic Travel Insurance	[Image]
Domestic Rental Vehicle Excess Insurance	[Image]
Extended Warranty Insurance	[Image]
Purchase Protection Insurance	[Image]
Mobile Phone Insurance62	[Image]
Security
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You must pay your Closing Balance or Interest Free Days Payment in full by the Payment Due Date shown on your statement to be eligible for interest free period on retail purchases.

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Manage your card anytime, anywhere

Track spending, redeem rewards, and manage payments easily through the Virgin Money app. Enjoy seamless banking with powerful features designed for your financial needs. That’s more like it.

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Set up & stay on top of your spending

Download the app from the App Store or Google Play, enter your mobile phone number and follow the prompts.

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Stay in control with smart card management

Lock and unlock your card instantly, set or change your PIN, and manage spending within the app.

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Tap, pay & go with digital wallets

Link your Virgin Money credit card to Apple Pay,36 Samsung Pay,37 or Google Pay40 for fast, secure, and contactless payments.

Frequently asked questions

What credit cards earn frequent flyer points?

If you're interested in credit cards that allow you to earn frequent flyer points, there are various options to consider. Each is tailored for frequent travellers, is affiliated with different airlines and can provide you with the opportunity to earn points through a specific frequent flyer program. These accumulated points can be later used for travel-related or shopping rewards. When choosing a credit card to accumulate frequent flyer points, it's important to evaluate factors such as the point-earning rate, potential fees, and the flexibility of redeeming points for travel benefits that align with your preferences. At Virgin Money, we offer two credit cards through which you can earn Velocity points; the Virgin Australia Velocity High Flyer Credit Card and the Virgin Australia Velocity Flyer Credit Card.

What can Velocity Points be redeemed for?

You can redeem your Velocity Points for all kinds of rad things. Here are just a couple: Domestic and international flights with Virgin Australia, Virgin Samoa, Etihad Airways, Virgin Atlantic, Virgin America, Delta and more.A range of great hotels, car rentals and products including gift cards and vouchers.Head to velocityfrequentflyer.comto see the full range of what's on offer or give the Velocity Team a call on 13 18 75. Membership Enquiries 0800 - 2000 AEDT Monday to Friday Flight Redemptions 0730 - 2230 AEDT 7 days a week

How do frequent flyer credit cards work?

Frequent flyer credit cards, such as the Velocity High Flyer credit card or Velocity Flyer credit card, are designed to help you earn points or air miles with a specific airline or frequent flyer program. These credit cards work by offering you points for every Eligible Transaction you make. The number of points you earn can vary depending on the card and the type of transaction. Once you've accumulated a sufficient number of Velocity points on your credit card, you can redeem them for various rewards, including flights, upgrades, and other travel-related Points. It's a great way to make your everyday spending work for you in terms of travel benefits.

How do I apply for a credit card?

The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It will take at least 20 minutes to complete if you have all your information available. Once you are approved you will be able to access your Card within the Virgin Money app and can download to digital wallet. We will send you a physical card within 10 working days of approval. We need to know your age, Australian residency status, full Australian Driver Licence card details or a current Passport, and your current financial details including employment and your monthly income and expenses.

Is Velocity Frequent Flyer membership required?

Yep, you’ll need to be a Velocity Frequent Flyer Member so that we can send you the Velocity Points that you earn with your credit card.You’ll need to give us your Velocity Frequent Flyer membership number either on your application form when applying for your Virgin Money credit card, or by calling us on 13 37 39 available 24/7.If you're not currently a Velocity Member you can arrange this when you apply for your card, or head to velocityfrequentflyer.com where you can join for free online. If you choose not to join Velocity Frequent Flyer, you’ll be ineligible for any offers or benefits relating to Virgin Australia or the Velocity Frequent Flyer Program.

How are my Velocity Points earned and transferred into my Velocity Frequent Flyer Account?

For the Velocity High Flyer Credit Card, Velocity Points can be earned on Eligible Transactions10 and Virgin Australia spend41 . At the end of your statement period, the Velocity Points earned for that period will be automatically transferred to your Velocity Frequent Flyer Account.

Fly higher with our tips for your next holiday

Put those Velocity Points to good use with some of our top travel tips.

Capital cities you've never heard of.

Looking for a new Instagram location for your grid? Here are our top picks for cities you've likely never heard of.
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Our top 10 Visa free countries to visit

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Important Information

Information, including interest rates, fees and charges and rewards rates are subject to change.

Fees, charges, and credit criteria apply. 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 24 November 2025. You must be at least 18 years of age, be a permanent resident and earn a regular income to apply for a credit 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. In relation to credit cards, “our”, “us”, “we”, and/or “The Virgin Money Credit Cards Team” 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.

Click to Pay is auto enabled by NAB on Virgin Money Credit Cards.
Enrolment is subject to eligibility criteria set by NAB and the relevant card scheme. You are not required to register or enrol yourself. For more information, please refer to Click to Pay Terms and Conditions

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

Things you need to know

1
Offer commenced 1 October 2026. 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, and the balance transfer fee (if applicable). At the end of the Balance Transfer Period the balance will revert to the applicable variable cash advance rate. Neither Velocity Points nor Virgin Money Points are issued on Balance Transfers. 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.
5
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. 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 60 days of the allocation of your base Status Credits to your Velocity Program account. See Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms & Conditions for full details and definitions.
6
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (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 Virgin Money credit cards. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet. Neither NAB nor any of its related corporations guarantee this insurance.
8
An interest free period applies to Retail Purchases if you pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or an Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. No interest free period is available on Cash Advances or Balance Transfers.
10
For the Velocity High Flyer Credit Card, earn 0.75 Velocity point per $1 spent on Eligible Transactions up to $5,000 each statement period, 0.25 Velocity Points per $1 thereafter. For the Velocity Flyer Credit Card, earn 0.5 Velocity Points per $1 spent on Eligible Transactions up to $1,500 each statement period, 0.25 Velocity Points per $1 thereafter. For Velocity Points to be credited to your Velocity Account, you must hold a Velocity Account according to the Velocity Membership Terms and Conditions and have provided your Velocity Membership Account details to us. See the Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.
12
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 click here.
17
The Virgin Australia Gift Voucher is 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 after card approval in your first year and 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 online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of use for full details.
18
Balance Transfer involves transferring the balance(s) of your other credit cards or loans to a Virgin Money Credit Card. The balances transferred will receive a promotional interest rate for a set period of time and can be a great way to save on interest charges.
Once your balance(s) have been transferred, you might consider closing the other credit facilities you transferred balances from, as this would not happen automatically
When considering a Balance Transfer promotion, it’s easy to focus on the low, or zero, interest rate being offered however don’t forget to consider the other features of the card and any applicable terms and conditions of the promotion.
Most credit cards or loans from other financial institutions are eligible to have balances transferred to a Virgin Money Credit Card, provided that the card details match the BPAY reference number details of the financial institution. Where those details do not match, we are unable to process a balance transfer.
We are aware of some financial institutions where card number and BPAY reference number do not match and which as a result are not eligible for a Balance Transfer, including:
- Bendigo Bank
- ING
- Latitude Finance
- Great Southern Bank
- Heritage Bank
- HUMM
- Adelaide Bank
- credit unions
- AMEX cards
  Please note, that this is an indicative list only and may change from time-to-time.
  Balance transfers are not available for Buy Now Pay Later, line of credit, or personal loan products.
20
Offer commenced 1 October 2026. Up to 100,000 Bonus Velocity Points offer is available to newly approved Virgin Australia Velocity High Flyer Card account holders.
40,000 Bonus Velocity Points will be awarded each month $3,500 or more is spent on eligible purchases for first 60 days from 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. 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. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholder's Velocity account up to 2 months after the qualifying purchases.
An additional 20,000 Velocity Points will be credited within 3 months of your anniversary when you keep your card open for over 12 months, provided it has been activated by you.
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). Velocity membership, Status Credits earn and Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. We may vary or end this offer at any time. To be eligible for 100 Status Credits, you must meet the spend criteria to receive 80,000 bonus Velocity Points. 100 Status Credits will be credited to your Velocity Frequent Flyer account within 30 days of receiving the 80,000 bonus Velocity Points. Any Status Credits earned through this offer are subject to expiry after 12 months from earn. Velocity members also need to fly on Virgin Australia marketed flights to earn Eligible Sectors in addition to Status Credits to upgrade or maintain a new level of membership, for more information visit here. Velocity membership, Status Credits earn, Points earn and redemption are subject to the Velocity membership Terms and Conditions.
33
The complimentary 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 Virgin Australia Lounge Pass Benefit Terms & Conditions for full details. Get the latest information on Virgin Australia lounge access. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and as amended from time to time.
36
For a list of compatible Apple Pay devices, see support.apple.com/en-us/102896
37
Samsung Pay is only compatible with selected Samsung devices. For full list of compatible devices, please visit www.samsung.com/au/apps/samsungpay/
40
Google, Android, Google Pay and Google Wallet are trademarks of Google LLC. Google Pay is available on compatible Android mobile devices.
41
Earn an additional 1 Velocity Point for a Velocity Flyer Credit Card or 2 Velocity Points for a Velocity High Flyer Credit Card per $1 spent on eligible Virgin Australia Purchases. For Velocity Points to be credited to your Velocity Account, you must hold a Velocity Account according to the Velocity Membership Terms and Conditions and have provided your Velocity Membership Account details to us. See the Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.
61
From 2 April 2025, Velocity members may earn Velocity Points for eligible Virgin Australia domestic and international short haul flights (including Virgin Australia marketed and operated flights, flights operated by Link Airways and Alliance Airlines for Virgin Australia, Virgin Australia marketed and Link Airways operated flights, and Virgin Australia marketed and Air New Zealand operated flights) at the following rates: (i) 4 Base Points per $1 spent, and (ii) 5 Base Points per $1 spent if you are an eligible Velocity Points earning credit cardholder. For bookings made before 2 April 2025, Velocity members may earn 5 Base Points per $1 spent for eligible Virgin Australia domestic and international short haul flights (including Virgin Australia marketed and operated flights, flights operated by Link Airways and Alliance Airlines for Virgin Australia, Virgin Australia marketed and Link Airways operated flights, and Virgin Australia marketed and Air New Zealand operated flights).
The ‘Base Points’ refers to the minimum number of Points that can be earned by a Red member when flying with Virgin Australia.Tier Bonus Points refers to the additional number of Points (beyond the Base Points) that can be earned by a Silver, Gold, Forever Gold, Platinum or Platinum Plus member when flying on all fare types excluding Lite with Virgin Australia.
62
Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of Virgin Money Credit Cards. This Cover is available to Eligible Cardholders (“you/your”) while you remain an Eligible Cardholder, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions” as amended from time to time. When eligible, you have the benefit of cover as a third partybeneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and Virgin Money are not the issuer or insurer of the Cover. Neither NAB, Virgin Money nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

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Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.

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Virgin Money Voucher Terms of Use

Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card Gift Voucher Terms of Use

Information regardingImportant information

Please note: For Vouchers issued prior to 08 July 2020, clauses 1 to 23 of these Terms of Use apply. For Vouchers issued on and from 08 July 2020, clauses 24 to 29 of these Terms of Use apply.

Vouchers issued prior to 08 July 2020

These Terms of Use apply to complimentary gift vouchers issued to the primary cardholders of the Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card prior to 08 July 2020 (Voucher).
By requesting, redeeming, or attempting to redeem a Voucher, you accept and agree to be bound by these Terms of Use and they will become a contract between you and Virgin Australia. You acknowledge you have read and understood the Virgin Australia Privacy Policy.
Vouchers will be issued with a value of $129 Australian Dollars (AUD) only.
Vouchers can only be redeemed in Australian Dollars.
The Voucher can be used on any flight with a “VA” flight number booked via the Virgin Australia Website or Guest Contact Centre. The Voucher cannot be used to book:
- flights where insurance has been selected as part of the booking; or
- flights that include Velocity Frequent Flyer Points as a method of payment, including Reward Seat, Any Seat or Any Seat, Any Airline bookings.
The Voucher can only be used towards future bookings and cannot be applied to past bookings.
You must provide the Voucher Number at the time of booking or when contacting us about your Voucher.
You are responsible for keeping your Voucher and Voucher Number secure and confidential. Any person quoting the Voucher Number can use the Voucher. We are not liable for any loss you may suffer as a result of disclosing your Voucher Number.
The Voucher is valid for bookings made within 6 months from the date of issue unless otherwise stated on the Voucher. The Voucher will expire at midnight on the expiry date stated on the front of the Voucher and cannot be extended.
You must make a booking using your Voucher on or before the expiry date. The booking can be for travel dates after the expiry date.
If there is any credit remaining after redemption of the Voucher, it can be used towards future flight purchases until the credit balance reaches zero. Any balance that remains on the Voucher after the expiry date is not available for use.
Additional values cannot be added to existing Vouchers. Only one Voucher can be used per flight booking. Any outstanding difference between the Voucher and the amount of the booking must be paid at the time of booking with a valid credit card for which a card payment fee will apply.
Vouchers can be redeemed for flights on the Virgin Australia Website or by calling our Guest Contact Centre on 13 67 89 from within Australia, 0800 67 0000 from within New Zealand, 1855 253 8021 from within the United States of America, and +61 7 3295 2296 from anywhere else in the world. A Guest Contact Centre fee will apply, unless the online redemption facility is unavailable.
Bookings that have been paid for using Vouchers cannot be changed or cancelled online. You will need to contact our Guest Contact Centre.
Travel on Virgin Australia flights is subject to Virgin Australia’s Conditions of Carriage, which are subject to change. Your booking is subject to the Fare Rules applicable to your fare.
You can check your Voucher balance at any time on the Virgin Australia Website.
Lost, damaged, stolen, or altered Vouchers may not be accepted or replaced.
Vouchers are non-refundable, unless you are entitled to a refund of the amount you paid for the Voucher under the Australian Consumer Law. Vouchers cannot be exchanged for cash and cannot be reloaded.
To the extent permitted by law, we reserve the right to amend these Terms of Use at any time. Changes to the Terms of Use will be available on this website.
These Terms of Use are to be construed and enforced in accordance with the laws of Queensland, Australia. Any dispute arising from your receipt or use of the Voucher is exclusively subject to the jurisdiction of the courts of Queensland, Australia.

Vouchers issued on and from 08 July 2020

The use of complimentary gift vouchers issued to primary cardholders of the Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card on and from 08 July 2020 (Voucher) is governed by:
- These Terms of Use; and
- The Virgin Australia Travel Bank Terms and Conditions, as amended by clause 29 of these Terms of Use.
You acknowledge you have read and understood the Virgin Australia Privacy Policy.
Vouchers will be issued with a value of $129 Australian Dollars (AUD) only.
Vouchers can only be redeemed in Australian Dollars.
Vouchers will be provided in the form of a credit into a Velocity member’s Travel Bank account.
The Virgin Australia Travel Bank Terms and Conditions are amended as follows:

Clause 4.1 a) is deleted and replaced with the following: a) Flights operated by Virgin Australia;

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In the spirit of reconciliation, Virgin Australia acknowledges the Traditional Custodians of Country throughout Australia and their connections to land, sea, sky and community. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

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Source: https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/terms-and-conditions/

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Terms and conditions

These Lounge Terms and Conditions contain important terms that you should be aware of.

Specifically:

Clause 4 sets out limitations on our liability to you in respect of your use of certain services and facilities, your access of computer facilities and internet in the Lounge (if applicable), as well as our right to withdraw, cancel or change in any way access to or use of the services and facilities offered in the Lounge.
Clause 5.1, among other items, provides that access to the Lounge may be unavailable, restricted, limited or withdrawn at any time for operational reasons, and Virgin Australia Lounge staff may refuse entry to you or require you to immediately leave the Lounge at any time if you do not comply with these terms and conditions.
Clause 6.1 sets out limitations for Single Entry access.
Clause 8 states where we will or will not provide refunds or extensions of the Lounge Membership fee or joining fee.
Clause 9 outlines the circumstances in which Lounge Membership may be terminated or suspended and the processes we follow in taking this action.
Clause 10 sets out limitations on our liability to you when accessing the Lounge.
Clause 11 says that we collect your personal information so that we can provide services to you. It also says we will collect and handle your personal information in accordance with our Privacy Policy.

1. Introduction

1.1 General

(a) These Terms and Conditions govern Lounge Membership and use of and access to the Lounge.

(b)You and Us are responsible for complying with these Terms and Conditions. The Terms and Conditions that apply to Lounge access are those in force at the time of entry to the Lounge.

(d) You have certain rights under the Australian Consumer Law. These include Consumer Guarantees that the services we provide to you will be carried out by us with due care and skill, will be fit for the purpose we disclose and will be supplied within a reasonable time. Where we fail to provide services to you in accordance with these Consumer Guarantees or otherwise in accordance with these Terms and Conditions, then you may have a right to seek a remedy from us in accordance with the Terms and Conditions, our policies, and any applicable law, including the Australian Consumer Law. Nothing in these Terms and Conditions excludes or limits the Consumer Guarantees or any other statutory rights that you may have under applicable laws (including the Australian Consumer Law) that cannot be excluded. You can find out more about the Consumer Guarantees here. This is a summary of some of your rights under the Australian Consumer Law. It is not an exhaustive list and is not legal advice.

1.2 Changes to these Terms and Conditions

(a) Virgin Australia may vary these Terms and Conditions from time to time. We will act reasonably in making changes and will publish changes to the Terms and Conditions on www.virginaustralia.com/thelounge.

(b) If we make a material change to the Terms and Conditions or the services or facilities offered or available to you, we will try to give Members and Velocity Members who have access to the Lounge through their Velocity Membership level at least 30 days’ notice using the email address recorded in your Velocity Account. However, we may give you less or no notice if we need to make urgent changes, such as to comply with applicable Laws, or where we cannot control the timing of a change (for example, due to arrangements with third parties). If we make a material change that affects your current Membership, and you no longer wish to continue with your Membership, you may be entitled to terminate your Membership and receive a pro-rata refund under clause 8(e).

2. Definitions

In these Terms and Conditions, unless the context otherwise requires:

(a) Domestic Flight means a flight originating or terminating within Australia, which is operated by a Virgin Australia group airlines, selected Alliance Airlines and Link Airways operated Virgin Australia flights, or selected partner airline (as advised by us from time to time).

(b) Eligible Flight means an individual’s:

(i) Domestic Flight for travel on the same day; or
(ii) International Flight for travel on the same day.

(c) Eligible Partner Airline Status Member means any person who holds the relevant status of loyalty with selected partner airlines where Virgin Australia has an agreement to allow these people entry into a Lounge. For a list of selected partner airlines, refer to Virgin Australia's airport lounges.

(d) Eligible Partner Credit Card Holder means a person who holds an eligible credit card which provides Lounge access while the eligible credit card is valid.

(e) Guest or you means any individual who is eligible to access the Lounge, including but not limited to Members, Invited Guests, Velocity Members, Single Entry guests, Business Class passengers, Eligible Partner Credit Card Holders, and Eligible Partner Airline Status Members.

(f) Individual Member means a person who pays the applicable Membership fee and joining fee and is not a Lifetime Member or Scheme Member.

(g) International Flight means a flight originating or terminating in Australia that is not a Domestic Flight, which is operated by a Virgin Australia group airline or selected partner airline (as advised by us from time to time).

(h) Invited Guest means a person who enters a Lounge as a guest of a Lounge Member, Velocity Gold Member, Velocity Platinum Member, Eligible Partner Airline Status Member or Eligible Partner Credit Card Holder.

(i) Lifetime Member means a person who pays the applicable Membership fee and has a continuous Membership to the Lounge for the duration of their natural life, for as long as Virgin Australia operates airport Lounges.

(j) Loss means any loss, damage, cost, or expense, including consequential or indirect loss, loss of savings, business opportunities, revenue, profit and/or damage to goodwill.

(k) Lounge means lounges located in Australian domestic ports operated by Virgin Australia.

(l) Member means a member of the Lounge and includes an Individual Member, Lifetime Member, Senior Lifetime Member and Scheme Member. It does not include a Velocity Gold Member, Velocity Platinum Member, a guest using a Single Entry or Invited Guest.

(m) Membership means membership held by a Member to access the Lounges.

(n) Membership Card means a Velocity Frequent Flyer Membership card, or Virgin Australia Lounge Membership card, whichever is applicable, in either digital or physical format.

(o) Occupant means a Guest who has entered and is occupying a Lounge.

(p) Scheme or Scheme Membership means a type of Membership for which a corporate, government or industry association that has entered into an agreement with Virgin Australia to provide discounted Lounge Membership to individuals from that association.

(q) Scheme Member means a nominated individual from a corporate, government or industry association who are eligible for discounted Lounge Membership and pays the applicable Membership fees (and joining fee, if applicable).

(r) Senior Lifetime Member is a Lifetime Member who is aged 60 years and over at the time they become a Lifetime Member.

(s) Single Entry means a one-off entry to a Lounge at eligible domestic ports, which has been purchased at a Lounge reception, or is provided as a benefit of:

(i) being a Velocity Silver Member; (ii) a participating credit card provider; or

(iii) the Virgin Australia Business Flyer program.

(t) Velocity or Velocity Frequent Flyer means the loyalty program of the Virgin Australia which is owned and operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.

(u) Velocity Account means the account setting out the details of a Velocity Membership including Velocity Points, Status Credits, and Single Entries.

(v) Velocity Gold Member means a Velocity Member who has earned, in the previous 12 months, the number of Status Credits required to upgrade to, or maintain, Velocity Gold Membership level and who is provided complimentary Lounge access as a membership benefit.

(w) Velocity Member means a current member of Velocity.

(x) Velocity Platinum Member means a Velocity Member who has earned, in the previous 12 months, the number of Status Credits required to upgrade to, or maintain, Velocity Platinum Membership level and who is provided complimentary access to the Lounge as a membership benefit.

(y) Velocity Silver Member means a Velocity Member who has earned, in the previous 12 months, the number of Status Credits required to upgrade to, or maintain, Velocity Silver Membership level and who is provided two complimentary Single Entry Lounge passes as a membership benefit.

(z) Virgin Australia, us, or we, means Virgin Australia Airlines Pty Ltd ABN 36 090 670 965.

3. Virgin Australia Lounge Membership

3.1 General

(a) Membership will be valid as follows:

For Individual Members, for 12 months from the date the Membership is purchased.
For Lifetime Members and Senior Lifetime Members, for the duration of their natural life, for as long as Virgin Australia operates airport Lounges.
For Scheme Members, from the date the nominated individual purchases a Scheme Membership, to the date that is stipulated as the expiry date under the Scheme’s agreement with Virgin Australia.

Members will be required to pay the applicable Membership fee (and joining fee, if applicable) published at the time they purchase or renew the Membership.

(b) Subject to clause 3.3:

(i) Membership is not transferable; and

(ii) renewal of Membership, and payment of the Membership fee is due upon the anniversary of the Member's date of joining. Where possible, we will provide you with a reminder of your Membership expiry date prior to the expiry of Your Membership. If Membership is not renewed within one month of its expiry, any subsequent application for its renewal will be subject to payment of the applicable joining fee in addition to the Membership fee. If Membership is renewed within one month of its expiry, the renewal will be backdated to the expiry date of the Membership.

(c) When we accept an application for Membership, we will provide you with a digital Membership Card, in your name, that allows you to access the Lounge when flying on an Eligible Flight. Your Membership is only valid for use by you.

(d) You must take reasonable steps to prevent unauthorised use of your Membership and must notify us as soon as possible if your account or Membership Card is compromised.

(e) You are responsible for ensuring that the details in your Velocity profile are accurate at all times. You must promptly advise of any change to your contact details by updating the 'My Details' section in your Velocity Account or by calling the Velocity Membership Contact Centre on 13 18 75. To the extent permitted by law, Virgin Australia excludes liability for any Loss suffered by you because you have failed to advise Us of any changes to your details.

3.2 Individual Members and Lifetime Members

(a) Individual Members and Lifetime Members must be Velocity Members, and over 18 years of age. You may be required to provide proof of age at any time during your Membership upon our reasonable request.

(b) Senior Lifetime Members must be Velocity Members and aged over 60 years of age. Proof of age is required at the time of purchase for Senior Lifetime Membership.

3.3 Scheme Membership

(a) Scheme Membership is available to nominated individuals from Schemes that have entered into an agreement with Virgin Australia to provide discounted Lounge Memberships to individuals from that Scheme. Nominated individuals must be Velocity Members to be eligible to receive a Scheme Membership. Once nominated, an individual has 30 days to purchase a Lounge Membership within the applicable Scheme before the nomination expires. Lounge Memberships associated with Schemes may have a common user expiry date, regardless of the date that nominated individuals purchase or renew Lounge Membership. Renewal of Membership and payment of the Membership fee is due upon the anniversary of the Member's date of joining or the common user expiry date (whichever is applicable).

(b) An individual’s Lounge Membership may be transferred to another individual from the same Scheme once per year, by contacting the Scheme coordinator and paying the applicable administration fee advised at the time of transfer.

4. Virgin Australia Lounge Facilities and Services

4.1 Changes

(a) It is important to understand that the services, facilities, and benefits of the Lounge may change over time.

(b) Subject to clause 4.1(c), Virgin Australia, acting reasonably, reserves the right to withdraw, cancel, or change in any way the services and facilities offered or advertised as available to any Occupant by virtue of their Membership or of their access or entry to the Lounge under these Terms and Conditions.

(c) Virgin Australia will use reasonable endeavours to advise you of any material changes to the services and facilities offered or available to You in connection with your access or entry to the Lounge in accordance with clause 1.2(b) of these Term and Conditions. If we make a material change that affects your current Membership, and you no longer wish to continue with your Membership, you may be entitled to terminate your Membership and receive a pro-rata refund under clause 8.1(e).

(d) Some of the services and facilities offered in the Lounge are provided by third party suppliers. We cannot guarantee that services and facilities offered by third party suppliers will continue to be available.

(e) Access to computer facilities and the internet may be available in the Lounge and is subject to availability. Virgin Australia does not represent or warrant that the computer facilities or internet access offered through the Lounge are free from computer viruses or other defects. To the extent permitted by law, Virgin Australia excludes liability for:

(i) any third party content on the internet that you may find offensive, upsetting, or defamatory. You are responsible for maintaining the security of all log-in identification information made available to you to access the internet or computer facilities in the Lounge.

(ii) any security breaches suffered by you when using the internet, including personal or information security breaches, and is not liable for any Loss suffered as a result of the unavailability of the internet or computer facilities, including interruptions during use.

(f) Meeting rooms may be available in some Lounges, subject to availability and payment of the applicable meeting room booking fee. Location of meeting rooms can be found at Virgin Australia's airport lounges. Meeting rooms can be booked by contacting the Guest Contact Centre on 13 67 89 or speaking to Lounge team members at reception. Fees are subject to change at any time and will be published on the Virgin Australia website.

(g) Guests accessing the Lounge shall not make any audio recording or copy of the music playlists broadcast within the Lounge. Any such content must be deleted upon reasonable request by Lounge staff.

5. Access to the Virgin Australia Lounge

5.1 General

(a) Virgin Australia Lounge operating hours may vary without notice.

(b) Access to the Lounge and its services and facilities is subject to availability, and may be unavailable, restricted, limited or withdrawn at any time for capacity or operational reasons. During peak periods or when the Lounge is at or nearing capacity, priority will be given to Guests travelling in Business class, Lounge Members, Velocity Gold Members and Velocity Platinum Members with same day, onward travel on an Eligible Flight. Access for Single Entry, Eligible Partner Credit Card Holders, Eligible Partner Airline Status Member and complimentary or additional Guests may be restricted during these periods.

(i) use the Lounge and its services and facilities appropriately and safely at all times

(ii) drink responsibly within the Lounge

(iii) unless permitted for takeaway as indicated in the Lounge, consume all food and beverages made available in the Lounge within the Lounge

(iv) behave in a way that is respectful of all staff, other Members and Guests, and follow any reasonable directions and instructions from Virgin Australia staff

(v) take responsibility for their belongings while inside the Lounge; and

(vi) comply with smart casual dress standards at all times.

(d) All Guests aged under 18 years:

(i) must be accompanied by an adult when visiting the Lounge; and

(ii) are not permitted to access alcohol from the self-service bar.

(e) Subject to your rights under applicable Laws, Virgin Australia Lounge staff may refuse entry to any individual or require an Occupant to immediately leave the Lounge at any time if, in their reasonable opinion, the Member has not or will not comply with these Terms and Conditions.

(f) Guests are responsible for ensuring their arrival at the domestic boarding gate for their departing flight at least 15 minutes prior to the scheduled departure time for their flight.

5.2 Access on departure

(a) Guests (excluding guests with a purchased Single Entry or Eligible Partner Credit Card Holders) may access the Lounge in the relevant departure port when travelling on an Eligible Flight, on the day of departure of the Eligible Flight.

(b) Guests accessing the Lounge with a purchased Single Entry or as an Eligible Partner Credit Card Holder may only access the Lounge in the relevant departure port when travelling on an Eligible flight, up to two hours prior to their scheduled departure time of their Eligible Flight.

5.3 Access on arrival

(a) Subject to space availability, Guests (excluding those Guests named in clause 5.3(b)) may access the Lounge in their arrival port immediately upon arrival of an Eligible Flight that has been travelled on that day. Access to the Lounge on arrival is only available for up to 60 minutes immediately after the arrival of the Domestic Flight.

(b) Lounge access on arrival is not available to:

(i) Eligible Partner Airline Status Members (except for Virgin Atlantic Flying Club members);

(ii) Eligible Partner Credit Card Holders; and

(iii) All guests with a Single Entry, including Velocity Silver Members.

5.4 Identification requirements

(a) In order to access the Lounge, Members, Velocity Platinum Members, Velocity Gold Members, Business Class passengers, Eligible Partner Credit Card Holders and Eligible Partner Airline Status Members must provide satisfactory proof of identity of their eligibility to access the Lounge. Satisfactory proof of identity may include:

(i) their itinerary or boarding pass for an Eligible Flight which is linked to their Velocity Account

(ii) their Membership Card

(iii) Membership number (required for Single Entry); or

(iv) for Eligible Partner Credit Card Holders, their valid, physical credit card which shows a current expiry date.

5.5 Invited Guest access

(a) Invited Guest access to the Lounge is subject to space availability at all times and may not be available during peak periods and high-capacity utilisation of Lounges.

(b) Invited Guests must be always accompanied by a Member, Velocity Platinum Member, Velocity Gold Member, Eligible Partner Airline Status Member or Eligible Partner Credit Card Holder while in the Lounge. Members, Eligible Partner Airline Status Members and Eligible Partner Credit Card Holders are responsible for ensuring that Invited Guests comply with these Terms and Conditions.

(c) Invited Guests of Members, Velocity Platinum Members and Velocity Gold Members do not need to be travelling to access the Lounge.

(d) Invited Guests of Eligible Partner Airline Status Members or Eligible Partner Credit Card Holders must be travelling on an Eligible Flight to access the Lounge.

(e) Additional Invited Guests (adults and children aged between 2 and 17 years) exceeding the limit of a Member’s or other Guest’s complimentary allowance will be charged an entry fee at the Lounge reception. A fee will not be charged for Invited Guests who are children under the age of 2 years.

(f) Individuals who are not eligible to enter the Lounge in their own right are not permitted to solicit entry by asking Members or Guests to enter as an Invited Guest. Individuals who solicit entry in this way may be refused entry to the Lounge at the time or in the future. If Members choose to allow individuals soliciting entry into the Lounge as an Invited Guest, the Member is responsible for the individual, including ensuring that the individual complies with these Terms and Conditions and any reasonable direction of Virgin Australia Lounge staff.

(g) Complimentary allowance access for Invited Guests to a Lounge is as follows:

Member/Guest type	Number of complimentary Invited Guests	Number of children
When travelling on an Eligible Flight departing on the same day
Member	1	3
Velocity Platinum Member	3	3
Velocity Gold Member	1	3

6. Single Entry passes

6.1 General

(a) Single Entry is valid as follows:

(i) A Single Entry pass provided as part of a Velocity Silver Membership is valid for 12 months from the date of issue; or

(ii) All other Single Entry passes must be used prior to or on the date of expiry specified for that Single Entry.

(b) An individual with a Single Entry can access the Lounge as a Single Entry guest when travelling on an Eligible Flight. Single Entry passes are only valid for access on departure and at the departure port specified on the Single Entry pass.

(c) Single Entry access is subject to space availability at all times and may not be available for use during peak periods and high-capacity utilisation of Lounges.

6.2 Identification requirements

(a) In order to access the Lounge, Single Entry guests must provide satisfactory proof of identity of their eligibility to access the Lounge. Satisfactory proof of identity may include:

(i) their itinerary or boarding pass for an Eligible Flight; or

(ii) Velocity Membership number (if they are a Velocity Member).

(b) Velocity Membership is not required to purchase Single Entry. If you are using an electronic Single Entry and do not have your Membership Card, you will need to verify your identity in order to use the Single Entry to enter the Lounge. If you are unable to provide us with sufficient identification, you may not be able to use your electronic Single Entry.

6.3 Single Entry Guest access

(a) Single Entry may be allocated to you electronically if you have a Velocity Membership. In this case, your Single Entry pass will appear in your Velocity Account. You can check how many unused electronic Single Entries you have and the expiry date of each Single Entry by logging into your Velocity Account.

(b) You cannot transfer Single Entry to other people (for example, to other Velocity Members) but you can use your Single Entry to enable other people who are travelling with you to gain access to the Lounge. Lounge Terms and Conditions, including this clause 6, will apply to all individuals who access a Lounge using a Single Entry pass, regardless of whether or not the individual is named on the Single Entry pass.

7. Fees & Taxes

(a) Virgin Australia may amend the joining fee and Membership fee from time to time, including for Scheme Members or for a specific Scheme.

(b) Virgin Australia reserves the right to change or introduce new fees in relation to any of the services provided in the Lounge at any time and will provide reasonable notice in accordance with clause 4.1(c). Details of current applicable fees are available at www.virginaustralia.com/thelounge.

(c) Virgin Australia accepts no responsibility for and makes no representation about your tax liability as a result of Membership or use of the Lounge or any services or facilities in the Lounge. You are solely responsible for any taxes, GST, duties, levies, fees, or other charges levied or imposed arising from, as a result of or in connection with your Membership or use of the Lounge. Virgin Australia recommends that you consult your professional accountant or tax adviser to ensure you understand possible tax (including without limitation, income tax, fringe benefits tax, or any liability or loss of opportunity due to reportable fringe benefits) implications, if any, related to your Membership.

8. Refunds

(a) Subject to this clause and to the extent permitted by law including the Australian Consumer Law, this clause sets out when you may be entitled to request a refund of the amount you have paid for your Membership or Single Entry. You may also have a right to request a refund of these fees under applicable laws, including the Australian Consumer Law. See clause 1.1(d) for more information.

(b) Individual Members, Lifetime Members and Senior Lifetime Members

-Should these Members request to cancel their Membership within 14 days of purchasing their Membership, and the Member has not yet accessed any Lounge, Virgin Australia will cancel the Membership and refund the Membership fee (and joining fee, if applicable).

-If the Member requests to cancel their Membership:

within 14 days of purchasing their Membership, but has accessed a Lounge(s); or
more than 14 days after purchasing their Membership,

subject to its rights under Australian Consumer Law, the Member is not entitled to receive a refund. If We choose to exercise our discretion and provide a refund, we may deduct a cancellation fee of $99 from the refunded amount to cover administration costs incurred in connection with the cancellation/refund.

-If you fail to use your purchased Single Entry, you will only be eligible for a refund if:

you cancelled your flight booking in line with your fare rules
your flight was delayed or cancelled by Virgin Australia, and you chose to cancel your booking in line with the Guest Compensation Policy
you purchase an upgrade to Business class through UpgradeMe Premium Bid and UpgradeMe Points; or
entry to the Lounge was not permitted due to space not being available.

(d) Other than as expressly provided for in these Terms and Conditions, Virgin Australia does not provide refunds or extensions of Membership because Members become eligible for Lounge access for other reasons, including where you have changed your mind, or your Velocity Membership status has changed.

(e) If Virgin Australia makes a material change to these Terms and Conditions, or to the benefits, facilities or services of the Lounge, and the change adversely affects the Member’s intended use of, or benefit under, the Membership, the Member will have the option of cancelling their Membership within 45 days of the change taking effect and receiving a pro-rata refund of the Membership fee for the remaining period of the Membership (unless the Member is entitled to a full refund under the Australian Consumer Law).

(f) In the event that a Membership is cancelled by Virgin Australia under these Terms and Conditions, a pro rata refund of the Membership fee will be made for any remaining period of Membership (unless the Member is entitled to a full refund under the Australian Consumer Law) except where the Membership is cancelled because the Member has:

(i) committed a material breach of these Terms and Conditions

(ii) been refused carriage on a Virgin Australia flight under paragraphs 14.2 or 14.3 of Virgin Australia’s Conditions of Carriage

(iii) abused or damaged any facilities, equipment or goods owned by Virgin Australia or a third party (including another Occupant)

(iv) displayed or engaged in inappropriate behaviour in the Lounge or on a Virgin Australia flight and has refused to stop the behaviour after being requested to do so by Virgin Australia Lounge staff

(v) engaged in, or suspected to be engaged in, illegal activities whilst within the Lounge

(vi) supplied or attempted to supply misleading information, or made any misrepresentation, to Virgin Australia

(vii) engaged in theft of the property of Virgin Australia, or an Occupant; or

(viii) abused or intimidated Lounge staff or the staff of any suppliers.

(g) Membership will automatically terminate on the death of a Member and the Membership fee, and any joining fee, will be forfeited. Membership cannot be transferred to executors, administrators, or beneficiaries of an estate.

9. Termination

(a) We cannot guarantee that Virgin Australia will offer or operate the Lounge (or any particular Lounge) forever. If Virgin Australia terminates, ceases to operate, or materially alters the operation of, the Lounge (or any particular Lounge), Virgin Australia will use its best endeavours to give reasonable notice of any such action by publishing a notice on the Virgin Australia website. We will also directly provide current Members or other Guests who have Lounge access because of their Velocity Membership with reasonable written notice of any such action using the email recorded in the Member’s Velocity account. We will act reasonably when considering what action is appropriate and reasonable.

(b) Virgin Australia reserves the right to terminate or suspend the Membership of any Member if Virgin Australia is reasonably of the opinion that the Member’s conduct falls within the circumstances listed in clause 8(f), or the Membership has been purchased in illegal or fraudulent circumstances. Virgin Australia will give such notice to the Member of the termination or suspension as is reasonably practicable in the circumstances.

10. Limitation of Liability

(a) These Terms and Conditions (as amended from time to time) set out the entire agreement with you regarding your Membership and entry to and use of the Lounge. However, nothing limits our liability for representations or other communications (either written or oral) made by Virgin Australia where such liability cannot be excluded by law.

(b) Except where we have specified in these Terms and Conditions or where the law does not permit us to limit or exclude our liability, whether under the Australian Consumer Law or otherwise, we exclude our liability for:

(i) any Loss you incur as a result of, or in connection with, your Membership, your access to the Lounge, or these Terms and Conditions; and

(ii) any Loss suffered in relation to the supply of goods or services by third parties.

(c) To the extent permitted by law, Virgin Australia will not be liable for any Loss whatsoever which you or anyone else may suffer as a result of any termination or suspension of your Membership.

11. Privacy & Electronic Messages

(a) You agree that your personal information will be managed in accordance with our Privacy Policy, available at https://www.virginaustralia.com/au/en/about-us/legal-policies/privacy/privacy-policy/. If you would like to receive our Privacy Policy by post, please contact our Guest Contact Centre on 13 67 89.

(b) We are required to collect your personal information in order to process your application for Membership and to communicate with you about your Membership. If we cannot collect from you the minimum amount of personal information required to process your application for Membership, we will not be able to provide you with Membership.

(c) You consent to receive electronic messages and marketing communications from Virgin Australia containing marketing and promotional material, and subject to any applicable law, agree that we do not need to include an "unsubscribe" facility in any electronic message sent to you for the purposes of the Spam Act 2003 (Cth). The consent contained in this clause 11 may not apply if you are a European resident.

12. General

(a) These Terms and Conditions are governed by, and will be construed in accordance with, the law in force in the State of Queensland, Australia and you agree to submit to the non-exclusive jurisdiction of courts of that State.

(b) If any provision in these Terms and Conditions is void or unenforceable, that provision shall be read down to the extent necessary to make it valid and enforceable and, to the extent that it cannot be so read down, shall be deemed to be severed from these Terms and Conditions.

(c) You must comply with all applicable laws, regulations, orders, and notifications in force, and all conditions and instructions issued by us.

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Source: https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf

Page 1 of 7 Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions AIG Australia Limited of Level 19, 2 Park Street, Sydney, NSW 2000 (the “Insurer”) has issued a group policy (the “Group Policy”) to the Policyholder which is subject to the terms and conditions contained herein. I. Preamble and Disclosures This document contains important information about the Group Policy, which are available to Eligible Cardholders (“You/Your”). Cover applies to claims made on or after 1 October 2026. Eligible Cardholders are not covered for claims made for losses occurring after termination of or the expiry of the period of the Group Policy. The Policyholder will provide Eligible Cardholders with details of any replacement cover. There is no obligation to accept any of these benefits. However, if You wish to claim any of these benefits, You will be bound by the Group Policy and the terms, conditions and exclusions relevant to the cover provided. The benefits of the Group Policy is provided to Eligible Cardholders who hold an Eligible Card. National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) is the Policyholder. NAB is the credit provider and Issuer of the Eligible Cards. Virgin Money (Australia) Pty Ltd ABN 75 103 478 897 (‘Virgin Money’) promotes and distributes the Eligible Cards under an agreement with NAB. Neither NAB nor Virgin Money is the issuer (insurer) of the Insurance Coverage and neither they nor any of their related corporations guarantee any of the benefits under the Group Policy. The covers described in this document are provided for Your benefit under a Group Policy entered into between the Insurer and the Policyholder. The Policyholder is the policy owner. When eligible, You have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The cover is provided at no additional cost to You and neither NAB nor Virgin Money receive any commission or remuneration from the Insurer in relation to this cover. The Policyholder does not hold anything on trust for, or for the benefit of, or on behalf of, You in relation to this Insurance Coverage. The terms and conditions of cover found in this document only provides factual information in relation to the Insurance Coverage. The information the Insurer provides is not intended to and does not provide or imply any recommendation or opinion about such insurance. So as to make sure that the cover meets Your needs and is suitable for You and Your personal circumstances, these terms and conditions must be reviewed by You and, if necessary, You should also seek independent financial advice in relation to same. None of NAB, Virgin Money or their related corporations are Authorised Representatives (under the Corporations Act 2001) of the Insurer. The Policyholder does not act on behalf of the Insurer or on Your behalf in relation to the Group Policy. If the Group Policy is terminated, any claim made for losses arising prior to such date of termination will be covered by and subject to the terms of the Group Policy. The Policyholder will give You prior written notice if the Group Policy ends. You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at: AIG Australia Limited Level 19, 2 Park Street Sydney, NSW 2000 Australia Apac.partners@AIG.com Code of Practice The Insurer is a signatory to the General Insurance Code of Practice (“Code”). The Code sets out the minimum standards of service that can be expected from the insurance industry and requires insurers to be open, fair and honest in their dealings with customers. The Insurer is committed to adhering to the objectives of the Code and to uphold these minimum standards when providing services covered by this Code. The Code objectives will be followed having regards to the law and acknowledging that a contract of insurance is a contract based on the utmost good faith. For more information on the Code please visit codeofpractice.com.au. Complaints and Feedback Learning about Your experiences with Us and Our service partners helps to improve the way We do business with You. If You have feedback, or an issue You would like resolved We encourage You to make contact. Below is information on how to contact Us and how We will work together to resolve any concerns You have.

Page 2 of 7 How to provide feedback

Speak to Our Complaints team Our Complaints team can be contacted on 1800 339 669. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.
Provide Your feedback in writing If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to: The Complaints Team AIG Australia Limited Level 13, 717 Bourke Street Docklands VIC 3008 Email: aucomplaints@aig.com What happens if You make a complaint? If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties. We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.
Acknowledge Your complaint within one (1) business day or as soon as practicable;
We will tell You who will handle Your complaint and their contact details;
We will, where applicable, keep You informed via Your preferred method of communication of the progress of Your complaint every ten (10) business days, more frequently or necessary or as agreed by both of Us;
We will treat Your complaint respectfully and handle all personal information in accordance with Our Privacy Policy; and
Within 30 calendar days from the date We receive Your complaint, We will provide a response to Your complaint. If We cannot meet any of the stated time frames, We will communicate to You the reasons why this has not been possible. We will also advise You when You should expect to receive a response or decision. What You can do if You are not happy with Our response or handling of Your complaint If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”). The Committee is comprised of Senior Management of the company who has the experience and authority to decide on matters brought to the Committee. If You wish to have Your complaint reviewed by the Committee, please telephone or write to the Complaints team as per the details above. As part of Your request, please include detailed reasons for requesting the review and the outcome You are seeking. This information will assist the Committee in carrying out its assessment and review of Your complaint. A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You. If We are unable to provide a response within 30 calendar days of receipt of the initial complaint, We will inform You of (i) the time frame for when Your complaint will be heard by the Committee; (ii) when You should expect to receive a response from the Committee; (iii) the reasons for such delay; (iv) Your right to complain to AFCA if You are dissatisfied with such reasons; and (v) the contact details for AFCA. Your right to complain to the Australian Financial Complaints Authority (AFCA) You can take Your complaint to AFCA at any time, including:
if We have been unable to resolve Your complaint within 30 calendar days;
You are dissatisfied with the outcome of Your complaint; or
You are dissatisfied with the findings of the Committee. AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which AIG is obliged to comply. Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process. AFCA’s contact details are: Australian Financial Complaints Authority (AFCA) GPO Box 3 Melbourne VIC 3001 Website: afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) The use of AFCA does not preclude You from subsequently exercising any legal rights which You may have if You are still unhappy with the outcome. Before doing so however, We strongly recommend that You obtain independent legal advice. If Your complaint does not fall within AFCA’s Rules, We will advise You to seek independent legal advice or give You information about any other external dispute resolution options where available to You. Privacy Notice This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:
You, if an individual; and
other individuals You provide information about. Further information about Our Privacy Policy is available at aig.com.au or by contacting Us on 1300 030 886 or at australia.privacy. manager@aig.com.

Page 3 of 7 How We Collect Your Personal Information AIG usually collects personal information from You or Your agents. Under the Group Policy, AIG will only collect Your personal information during a claim submission. AIG may also collect personal information from:

its agents and service providers;
other insurers;
the Policyholder to assist to administer the Virgin Money Credit Card;
people who are involved in a claim or assist AIG in investigating or processing claims, including third parties claiming under the Group Policy, witnesses and medical practitioners;
third parties who may be arranging insurance cover for a group that You are a part of;
providers of marketing lists and industry databases; and
publicly available sources. Why We Collect Your Personal Information AIG collects information necessary to:
underwrite and administer Your insurance cover;
improve customer service and products and carry out research and analysis, including data analytics; and
advise You of its and other products and services that may interest You. Failure to disclose information required may result in AIG declining cover, cancelling Your insurance cover or reducing the level of cover, or declining claims. To Whom We Disclose Your Personal Information In the course of underwriting and administering the Group Policy, AIG may disclose Your information to:
Your or its agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of the Group Policy;
banks and financial institutions for policy payments;
the Policyholder to assist to administer the Virgin Money Credit Card;
Your or its agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;
entities to which AIG is related and third-party providers for data analytics functions;
other entities to enable them to offer their products or services to You; and
government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law. AIG is likely to disclose information to some of these entities located overseas, including in the following countries: United States of America, Canada, Bermuda, United Kingdom, Ireland, Belgium, The Netherlands, Germany, France, Singapore, Malaysia, the Philippines, India, Hong Kong, New Zealand as Well as any country in which You have a claim and such other countries as may be notified in Our Privacy Policy from time to time. You may request not to receive direct marketing communications from AIG. Access to Your Personal Information Our Privacy Policy contains information about how You may access and seek correction of personal information AIG hold about You. In summary, You may gain access to Your personal information by submitting a written request to AIG. In some circumstances permitted under the Privacy Act 1988, AIG may not permit access to Your personal information. Circumstances where access may be denied include where it would have an unreasonable impact on the privacy of other individuals, or where it would be unlawful. Complaints Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how AIG will deal with such a complaint. Consent If applicable, Your application includes a consent that You and any other individuals You provide information about consent to the collection, use and disclosure of personal information as set out in this notice. II. Summary of Cover Subject to the terms contained in this document and the Group Policy, the Insurer agrees to provide the following coverage to the Eligible Cardholders: Insurance Coverage Benefit Amount(AUD) Mobile Phone Protection Per Occurrence Limit: Up to $1,000 Annual Aggregate Limit: Up to $1,650 Excess: $50 Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD). Claim Amount and Excess We will pay (if applicable) up to the Per Occurrence Limit per Eligible Cardholder for each claim as stated in the Summary of Cover table above. For any consecutive twelve-month period within the Group Policy Period, the maximum amount We will pay per Eligible Cardholder for all claims during such

Page 4 of 7 consecutive twelve-month period is the Annual Aggregate Limit set out in the table above. The applicable Excess is also set out in the table above. Under the Group Policy, the Insurer agrees to provide coverage to Eligible Cardholders of the Policyholder as set out in the Group Policy and this document and based on information offered by the Policyholder. III. Definitions Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter: Accidental Damage means the Mobile Phone no longer performing the function it was intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event. AFSL means an Australian Financial Services Licence. Annual Aggregate Limit means the maximum amount of benefit per Eligible Cardholder under the Mobile Phone Protection Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss. Cardholder(s) means all individuals who have been issued an Eligible Card, including secondary or additional Cardholders on the same account, in Australia where such Eligible Card is issued by a participating Issuer. Eligible Card means a participating Issuer’s Virgin Australia Velocity High Flyer Card and Virgin Australia Velocity Flyer Card which have been issued to Eligible Cardholders. Eligible Cardholders/You/Your means those Cardholders with Eligible Cards who shall be entitled to receive payment or such other benefit as is provided for in the Summary of Cover and the Group Policy. Excess means a monetary contribution You are required to pay towards a claim You make. Group Policy means the contract of insurance between the Insurer and the Policyholder. Group Policy Period means the period beginning from 1 October 2026 and until the Group Policy is terminated. Insurer/We/Us/Our/AIG means AIG Australia Limited. Issuer means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) an entity that is authorised by Visa to operate a card program in the Territory and is participating in the insurance offering to Eligible Cardholders under the Group Policy. Lost means You have accidentally misplaced Your Mobile Phone and it is unrecoverable. Mobile Phone means a telephone device associated with the Eligible Cardholder’s Postpaid plan, that use radio waves over a networked area (cells) and is served through cell sites or base stations at a fixed location, enabling calls to transmit wirelessly over a given range. For the avoidance of doubt, smart watch or tablet is not considered as a Mobile Phone. NAB means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Natural Catastrophe means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami. Per Occurrence Limit means the maximum amount of benefit available under the Summary of Cover for any single incident per Eligible Cardholder during the Group Policy Period. Policyholder means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686). Postpaid means a mobile telephone subscription where the Eligible Cardholder enters into a contract with a mobile provider with a monthly billing arrangement. Territory means the country or region in which Eligible Cards are issued, in this case, Australia. Theft means the unlawful intentional and dishonest taking of the Mobile Phone belonging to the Eligible Cardholder without their consent, with intent to permanently deprive him/her of such Mobile Phone. IV. Coverage The Insurer (“We/Our/Us”) will pay for loss due to Accidental Damage or Theft up to the Per Occurrence Limit and subject to the Annual Aggregate Limit and Excess per Eligible Cardholder as set out in the Summary of Cover above, if the mobile provider’s monthly Postpaid billing statement for the billing cycle preceding the month in which the Accidental Damage or Theft occurred is paid in full using the Eligible Card. Effective Period of Coverage Coverage begins on the first day of the calendar month following the payment of Your Postpaid monthly mobile telephone bill. Coverage will be valid until the last day of the calendar month following the payment of Your Postpaid monthly mobile telephone bill. Valuation Acting reasonably, We will decide whether to have the Mobile Phone repaired or replaced. We will be liable only for the lesser of the following amounts:

the cost to repair or replace the Mobile Phone after the Excess has first been applied to the cost to repair or replace the Mobile Phone;
the Per Occurrence Limit; or
the remaining amount of the Annual Aggregate Limit.

Page 5 of 7 Eligible Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. The Insurer will notify the Eligible Cardholder if they need to send in the Mobile Phone for such evaluation. Scope of Insurance Coverage Our maximum liability for this coverage will not exceed the Annual Aggregate Limit per Eligible Card per twelve-month period, subject to the terms, conditions, exclusions, and limits of liability of the Group Policy and this document as well as the Excess stated in the Summary of Cover above. Coverage is excess of any other applicable insurance or indemnity the Eligible Cardholder may have. Individual Termination Date An Eligible Cardholder’s coverage under this agreement shall terminate on the earliest of:

the date the Eligible Cardholder no longer qualifies as an Eligible Cardholder;
the date the Eligible Card is determined to be ineligible by the Issuer;
the date the Issuer ceases to participate in the Group Policy; or
the date the Group Policy is terminated. Coverage shall be provided under this section for the Mobile Phone Theft or Accidental Damage during the Effective Period of Coverage as determined above. Coverage will terminate on the applicable individual termination date specified in the paragraph above. If the coverage is terminated, any claim arising prior to such date of termination will, subject to the terms of the Group Policy and these terms and conditions, be eligible for coverage by the Insurer. Coverage shall not be provided for any Theft or Accidental Damage after the individual termination date as determined above. Suspension of Coverage Coverage will be suspended on the first day of the following calendar month following the month during which an Eligible Cardholder fails to make a mobile telephone Postpaid bill payment using the Eligible Card while coverage is in effect in the previous month. Resumption of Coverage If coverage is suspended in accordance with the above, coverage will resume after a 15-day waiting period following the date of any future mobile telephone Postpaid bill payment using an Eligible Card. For example, an Eligible Cardholder paid their Postpaid monthly mobile telephone bill on 15 June using their Eligible Card. The insurance coverage starts automatically from 1 July until 31 July. If then the Eligible Cardholder does not pay their Postpaid monthly mobile telephone bill in the month of July, there will be no insurance coverage in August. Should the Eligible Cardholder then pay their Postpaid monthly mobile telephone bill in full on 5 August using their Eligible Card, the insurance coverage will then resume on 20 August. V. Exclusions No coverage will be provided for any of the following:
Mobile Phone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
Mobile Phones that are Lost.
Any loss that does not occur within the Group Policy Period.
Losses caused by the process of cleaning, servicing, maintaining, adjusting, or You repairing the Mobile Phone.
Mobile Phone purchased for resale or for professional or commercial use.
Mobile Phones under the care and control of a common carrier, including, but not limited to, the postal service, airplanes or delivery service.
Mobile Phones stolen from baggage unless hand-carried and under the Eligible Cardholder’s supervision or under the supervision of the Eligible Cardholder’s travelling companion who is previously known to the Eligible Cardholder.
Accidental Damage or Theft resulting from Your abuse, omission or negligence or the abuse, omission or negligence of anyone acting on Your behalf, including but not limited to leaving Your Mobile Phone unattended in any place or motor vehicle where it is, or was, plainly visible.
Cosmetic damage such as a dent or scratch to the Mobile Phone or Accidental Damage that does not impact the Mobile Phone’s ability to make or receive phone calls (including minor screen cracks and fractures less than 5cm in length that does not prevent the ability to make or receive phone calls or to use other operations and functions of the Mobile Phone).
Accidental Damage or Mobile Phone Theft resulting from abuse, intentional acts, fraud, risks of contraband, illegal activities, normal wear and tear, Natural Catastrophe, radioactive contamination, or damage from inherent product defects or vermin.
Losses resulting from a failure of Mobile Phone due to a defect in materials and/or workmanship and/or design, including but not limited to inherent product defects, software, or data failure.
Accidental Damage or Theft resulting from mis- delivery or theft by fraud or deceit.
Replacement Mobile Phone purchased from other than a mobile provider’s authorised retail or internet store.

Page 6 of 7 14. Taxes, delivery or transportation charges or any fees associated with the service provided. 15. Losses resulting from information or data loss, sent from, or received, on a Mobile Phone following Accidental Damage or Theft. 16. Loss resulting from hostilities of any kind including, but not limited to war, civil war, invasion, insurrection, revolution, use of or threatened use of military power or usurpation of government or military power. 17. Loss resulting from any terrorist act, or the intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act. 18. Losses due to, or related to, a nuclear, biological or chemical event(s). or 19. Losses due to the order of any government, public authority, or customs official. VI. Duties After a Loss You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under these coverages, You must contact Us as soon as reasonably practicable after the discovery of such loss. To file a claim, You may log on to ba.mycardbenefits.com or send a notification to Us to obtain a claim form and instructions on what to do after a loss. Our contact details are set out below: AIG Australia Limited Level 19, 2 Park Street Sydney NSW 2000 Australia Tel: +613 9522 4111 Customer Service Timing: 8:30am to 5:30pm, Monday to Friday Email: Apac.partners@AIG.com The Eligible Cardholder must as soon as reasonably practicable:

complete, sign and return the claim form to Us* together with: a. the Eligible Cardholder’s card statement reflecting the monthly Postpaid mobile telephone payment for the month preceding the date the Mobile Phone was subject to Theft or Accidental Damage; b. a copy of the Eligible Cardholder’s current mobile provider’s billing statement; c. if available, a copy of the original Mobile Phone purchase receipt or other sufficient proof of the Mobile Phone model currently linked to the Eligible Cardholder’s mobile telephone account; d. if there is existing insurance from the mobile operator, a copy of the insurance claim to the Eligible Cardholder’s mobile telephone insurance, or in the event that the claim amount is less than the Eligible Cardholder’s deductible, a copy of the policy’s declarations page; e. for Accidental Damage claims, a copy of the repair memo, repair estimate and/or service report from an authorised repairer and photographs of the Accidental Damage may be requested; f. for Theft claims, an official copies of the police report as soon as reasonably practicable; and g. any other relevant documents We may reasonably ask You to provide. *Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery. VII. Limits of Liability Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II – Summary of Cover. Annual Aggregate: The total of all benefits paid or payable while the Group Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II – Summary of Cover. VIII. General Obligations following a Loss In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:
take all reasonably practicable measures to prevent and avoid further loss or damage;
complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of Your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;
disclose to Us details of any other insurance cover under which You are entitled to claim;
upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;
where reasonably necessary, grant authorisation for Us to obtain Your records and other information, such as credit reports (if applicable);
provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;
reasonably co-operate with Us in investigating, evaluating and settling a claim; and
if the loss involved theft report of the theft to the police as soon as reasonably practicable. IX. General Conditions A. Disputes Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under the Group Policy, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales. B. Governing Law The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales. C. Loss Prevention You must use all reasonable means to avoid future loss at and after the time of loss. D. Sanctions We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America or the Commonwealth of Australia. E. Transfer The Policyholder or You may not transfer its interest in this insurance to anyone. F. Cancellation Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us. G. Changes The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, it may be necessary to amend any of the terms and conditions of the Group Policy and You will receive notice of any such amendments from the Policyholder in due course. No change or modification of the Group Policy shall be effective except when made by written endorsement signed by Our authorised representative. H. Subrogation If We settle any claim or payment or otherwise cover any loss applying under the Group Policy, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation. I. Compliance The benefits of the Group Policy are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms. J. Financial Claims Scheme The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy. In the unlikely event that we are unable to meet our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at apra.gov.au/financial-claims- scheme. K. Payment of Claims All payments to be made by the Insurer shall be paid to Eligible Cardholder in the Territory and such payments shall be subject to the laws and regulations then in effect in the Territory. Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of Virgin Money Credit Cards. This Cover is available to Eligible Cardholders (“you/your”) while you remain an Eligible Cardholder, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions” as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and Virgin Money are not the issuer or insurer of the Cover. Neither NAB, Virgin Money nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement. A184874-0626

Source: https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/velocity-bonus-status-credits-terms-and-conditions.pdf

Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms & Conditions November 2025

General

This benefit is a Special Feature that allows an opportunity for the primary cardholder of a Virgin Australia Velocity High Flyer Credit Card to earn Bonus Status Credits on Eligible Virgin Australia flights ( Benefit ).
References to “ we ” and “ us ” means Virgin Money (Australia) Pty Ltd ABN 75 103 478 897 ( Virgin Money ) and National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (NAB). These are our Terms and Conditions.
References to “ Virgin Australia ” means Virgin Australia Airlines Pty Ltd ACN 090 670 965.
Unless otherwise defined herein, any capitalised terms has the meaning given to it in the Credit Card Terms and Conditions and Other Important Information ( Credit Card Terms and Conditions ) and Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions .
To receive Bonus Status Credits you must supply your Velocity Membership Account Information to enable Bonus Status Credits earned using your Account to be allocated to your Velocity Account. You may provide your Velocity Membership Account Information to us at the time of application for an Account or where you already have an Account, you can provide it to us by calling 13 37 39 . Please ensure you provide accurate information to us otherwise Bonus Status Credits will not be allocated to your Velocity Account. Status Credit earn and benefits are subject to the Velocity Membership Terms and Conditions . Meaning of words You and your means the primary cardholder of a Virgin Australia Velocity High Flyer Credit Card with a Velocity Program membership that is held in the same name as the credit card account (“Account”).

Velocity Program means the Velocity Frequent Flyer Program provided by Velocity Rewards Pty Ltd ABN 98 116 089 448 as trustee for The Loyalty Trust ABN 79 580 890 951. Status Credits are a member benefit that you can earn when you buy products or services from selected partners that are eligible to earn Status Credits (primarily from Virgin Australia and selected airline partners) under your Velocity Program membership. Status Credits are only used to determine your status level and your eligibility for certain member benefits under your membership with the Velocity Program and are not Velocity Points. For further information on Status Credits please visit the Velocity Membership Terms and Conditions ( https://experience.velocityfrequentflyer. com/member-support/terms-conditions ). Bonus Status Credits means additional Status Credits equal to 20% of the relevant base Status Credits earned on an Eligible Virgin Australia Flight. How you can earn Bonus Status Credits under this Benefit 6. You are eligible to earn Bonus Status Credits, if you purchase and fly on an Eligible Virgin Australia Flight being: a. a flight purchased using your Virgin Australia High Flyer Card directly with Virgin Australia (via the Virgin Australia website, Virgin Australia Call Centre or Virgin Australia App); b. the Virgin Australia flight is eligible to earn Status Credits. To be eligible, the flight must be marketed and operated by Virgin Australia, with a VA flight number and be ticketed in a fare class that normally accrues Status Credits. Reward Seat bookings, and codeshare services marketed or operated by partner airlines are not Eligible Virgin Australia Flights for this offer; c. your Velocity membership number was provided against the booking at the time of purchase or before your date of travel; and

d. at the time of booking, purchasing and taking the flight, your Account must be open and in good standing in accordance with clause 4.4 and 4.5 of the Rewards Program for High Flyer and Flyer Cardholders Terms & Conditions, not in default, and you must have a Velocity Program membership that is not closed or suspended. 7. The Bonus Status Credits you earn are equal to 20% of the relevant base Status Credits earned for the Eligible Virgin Australia Flight subject to the maximum amount of Bonus Status Credits you can earn as set out in paragraph 8 below. Bonus Status Credits are calculated and awarded on the total base Status Credits earned within a calendar month. If the Bonus Status Credits calculated do not result in a whole value, the Status Credits awarded will be rounded up to the nearest whole Status Credit value if greater than 0.5. Otherwise, it will be rounded down to the nearest whole Status Credit value. 8. The maximum that can be earned is 100 Bonus Status Credits per year, commencing on the anniversary of the date of approval of your Virgin Australia Velocity High Flyer Credit Card Account. If you have elected to Family Pool Status Credits as part of your Velocity membership, the limit of 100 Bonus Status Credits will apply to the relevant Velocity Account and not the beneficiary nominated in the Family Pool. Any Family Pool Status Credits are subject to Velocity Frequent Flyer’s Family Pooling Terms and Conditions . When you will be allocated Bonus Status Credits under this Benefit 9. You will be allocated Bonus Status Credits within 60 days of the allocation of your base Status Credits to your Velocity Account. 10. We reserve the right to not make this benefit available to you, if: a. You make a retrospective Status Credit claim after your date of travel, or b. Any of the conditions at paragraphs [6] and [8] are not met.

Changes to this Benefit 11. We reserve the right to change, suspend, or withdraw this Benefit at any time at our discretion, acting reasonably and having regard to our legitimate business interests. We will provide at least 30 days’ prior notice of changes, unless we reasonably consider the change to be non-material in nature, in which case we will notify you as soon as reasonably practicable by publishing the changes on the Virgin Money website. Changes to this Benefit will be available on the credit card section of the Virgin Money website, virginmoney.com.au . You acknowledge that the Velocity Points you earn under this Benefit will be redeemed under the Velocity Membership Terms and Conditions which may be subject to changes in accordance with those terms and conditions. Disclaimer 12. To the extent permitted by law, any claims arising from your participation in the Velocity Program or your use of the Velocity Program, including Status Credits, are against the parties that provide these services. Applicable Law 13. These terms and conditions are to be interpreted in accordance with the laws of Queensland, Australia. Any court cases involving these terms and conditions can be held in the courts of any State or Territory of Australia with jurisdiction. We’ll give any legal protections available to you in the State or Territory in which you live. 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. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards. MCG17778_(0925)

Source: https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards

Forms and important information - Credit Cards

From changing your name, to setting up a direct debit to automatically pay your account, you’ll find the form you need right here, along with the terms and conditions that apply to your account.

If not, give our Customer Care Team a call on 13 37 39.

Forms

Set up direct debit to automatically pay your account

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Apply for hardship assistance

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/content/dam/virginmoney/vma-downloads/credit-cards/Personal_Financial_Summary_Form.pdf

Change of Legal Name form

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/content/dam/virginmoney/vma-downloads/credit-cards/change-of-name-form.pdf

Change in Date of Birth Form

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-change-date-of-birth-form.pdf

Power of Attorney Request Form

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-power-of-attorney-form.pdf

Authorised Person (AP) Request Form

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-authorised-person-form.pdf

Add an Authorised Representative - Letter of Authority

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/content/dam/virginmoney/vma-downloads/credit-cards/letter-of-authority.pdf

Flight Gift Voucher Request Form

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/content/dam/virginmoney/vma-downloads/credit-cards/virgin-australia-flight-gift-voucher.pdf

Unclaimed Monies Form

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Terms and Conditions

Privacy Notice

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/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-australia-privacy-policy.pdf

Credit Guide for Virgin Money Credit Cards

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-guide-virgin-money-credit-cards.pdf

Credit Card Terms & Conditions & Other Important Information

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-card-terms-and-conditions.pdf

Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/velocity-rewards-program-terms-and-conditions.pdf

Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet

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/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf

Virgin Money Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/complimentary-mobile-phone-insurance-terms-and-conditions.pdf

Click to Pay Credit Cards Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/click-to-pay-terms-and-conditions.pdf

Virgin Australia Gift Voucher Benefit Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/voucher-benefit-tcs-pdf-dl.pdf

Virgin Australia Lounge Pass Benefit Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/high-flyer-lounge-pass-tcs-pdf-dl.pdf

Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/velocity-bonus-status-credits-terms-and-conditions.pdf

Virgin Money Rewards Program Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/virgin-money-rewards-terms-conditions-cvp.pdf

Rewards Program for High Flyer and Flyer Cardholders

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/content/dam/virginmoney/vma-downloads/credit-cards/rewards-program-high-flyer-flyer-terms-and-conditions.pdf

Credit Card Rewards Program for Anytime Rewards Cardholders Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/anytime-rewards-program-terms-and-conditions.pdf

Apple Pay Terms and Conditions

PDF{sub-tag}

/content/dam/virginmoney/vma-downloads/credit-cards/apple-pay-terms-conditions.pdf

Google Pay Terms and Conditions

PDF{sub-tag}

/content/dam/virginmoney/vma-downloads/credit-cards/google-pay-terms-conditions.pdf

Samsung Pay Terms and Conditions

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/content/dam/virginmoney/vma-downloads/credit-cards/samsung-pay-terms-conditions.pdf

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Target Market Determinations

Virgin Australia Velocity Flyer Card

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/content/dam/virginmoney/vma-downloads/target-market-determinations/velocity-flyer-credit-card.pdf

Virgin Australia Velocity High Flyer Card

PDF{sub-tag}

/content/dam/virginmoney/vma-downloads/target-market-determinations/velocity-high-flyer-credit-card.pdf

Virgin Money Anytime Rewards Credit Card

PDF{sub-tag}

/content/dam/virginmoney/vma-downloads/target-market-determinations/anytime-rewards-credit-card.pdf

Virgin Money Low Rate Credit Card

PDF{sub-tag}

/content/dam/virginmoney/vma-downloads/target-market-determinations/low-rate-credit-card.pdf

Virgin Money No Annual Fee Credit Card

PDF{sub-tag}

/content/dam/virginmoney/vma-downloads/target-market-determinations/no-annual-fee-credit-card.pdf

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[Image: Virgin Money Credit Cards - View our handy FAQs]

View our handy FAQs

Contact Us

If you need help along the way give The Virgin Money Credit Cards team a call on 13 37 39 They're available 8am - 8pm Monday-Friday, 9am to 5pm Saturday (AEST) and closed National Public Holidays.

Get in touch{icon-button}

Quick Links

Request Flight Voucher

Instalment Plans

Rates & fees

FAQs

Important Information

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Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/bank-and-save

Transaction and Savings Rates, Limits, Fees and Charges

Here you’ll find the rates, limits, fees and charges that apply to the Virgin Money Go Account, Boost Saver and Grow Saver. For more information please refer to the terms and conditions.

/fragment/bank-and-save/go-account/fees-and-charges-table

Limits {colspan-4}

Transaction type

Limits

Pay Someone

Daily limit set at $5,000 per account holder. This can be increased in the Virgin Money App up to $20,000 per day per account holder. A temporary one-day limit can be set above the $20,000 daily limit to allow for large one-off transfers.

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Daily limit set at $20,000 per account holder. This can be increased in the Virgin Money App up to $100,000 per day per account holder. Certain billers may set their own limits for individual BPAY payments.

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Transaction limit set at $200 in Australia where no PIN or signature is required. If a PIN or signature is provided then you may be able to perform a transaction up to the Visa Debit Card Transaction limit.

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Monthly criteria {colspan-2}

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a Virgin Money Go Account that is issued in the same name. Simply meet the following criteria on your Go Account each month to activate your Bonus Interest on your Boost Saver for the following month. {colspan-2}

Age group

Monthly Criteria

14 – 17 years

There are no Monthly Criteria requirements. You’re good to go.

Over 18 years

Deposit $1,000 or more from another financial institution (such as your salary) into your Virgin Money Go Account and make at least 5 purchases, direct debits or BPAY payments which settle in that month (not pending).

Rewards {colspan-2}

Description

Points

Virgin Money Points for every purchase, direct debit and BPAY payment.

8 Points

Important Information on Virgin Money Rewards Points for Go Accounts:

Virgin Money Rewards Points for Joint Accounts will be split and evenly allocated to both joint account holders of that account.

Tab Title

Virgin Money Go Transaction Account

Interest rates {colspan-2}

Rate type

Interest Rate (p.a.)

Highest Variable Interest Rate

{banking-rates||b7||rate}% p.a.

This is made up of the variable Base rate of {banking-rates||b1||rate}% p.a., Bonus rate of {banking-rates||b2||rate}% p.a. and the Notice Interest Rate of {banking-rates||b6||rate}% p.a.

Base Interest Rate

{banking-rates||b1||rate}% p.a.

Bonus Interest Rate and Monthly Criteria

Additional variable interest rate earned on all your Boost Savers, up to a combined total balance of $250,000, in the same name as your Go Account when you meet the Monthly Criteria each month:

Deposit at least $1,000 into your Go Account from another financial institution.
Make at least 5 purchases on your Go Account that settled in that month (not pending).

When the Monthly Criteria is met in a calendar month, the Bonus Interest rate will apply in the following calendar month.

There are no Monthly Criteria requirements if you are under 18.

{banking-rates||b2||rate}% p.a.

Notice Interest Rate

Additional variable interest rate earned on a Boost Saver where the optional Lock Saver Feature is enabled.

Provide 32 days’ advance notice to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediate access to. For more information, go to our Lock Saver Feature website page.

{banking-rates||b6||rate}% p.a. (optional)

Important Information on Bonus Interest for Boost Savers:

Bonus Interest Rate can be activated on all your Boost Savers in the same name as your Go Account when you cumulatively meet the Monthly Criteria in the Monthly Criteria dropdown. For clarity, if you hold an account(s) in your name as an individual, and an account(s) in two names (joint account), you will be required to meet the Monthly Criteria on each account type (individual and joint) to activate the benefits for both.
The Bonus Interest rate applies up to a combined total balance of $250,000 across all Boost Savers in the same name.
Once the Lock Saver Feature is enabled you will earn the additional variable Notice Interest rate while the Lock Saver Feature is enabled, up until the date that you activate the Unlock Saver Feature. The additional variable Notice Interest rate does not apply during the 32 day notice period which commences once you activate the Unlock Saver Feature.

Monthly criteria {colspan-2}

The Monthly Criteria vary by age and includes a minimum deposit and minimum number of transactions each month that must be made into a Virgin Money Go Account that is issued in the same name. Simply meet the following criteria each month to activate your bonus interest benefit for the following month. {colspan-2}

Age group

Monthly Criteria

14 – 17 years

There are no Monthly Criteria requirements. You’re good to go.

Over 18 years

Fees and charges {colspan-4}

Name

Fee

Description

Monthly Account Keeping

Free

There are no monthly account keeping fees with our Virgin Money Deposit Accounts.

BPAY, Pay Someone, Card Transactions

Free

There is no fee charged by Virgin Money for performing a BPAY® Payment, pay anyone of making a card transaction, which you should be advised of at the time of making the transaction.

Domestic ATM Withdrawal Fee

Free

We don’t charge fees to withdraw cash, however a fee may be charged at the ATM and should be displayed on the screen before proceeding with the withdrawal. Most major bank ATMs do not charge a fee, giving you access to over 10,000 ATMs across Australia.

Domestic Emergency Card Replacement

$15

Charged when we courier a card to you within Australia.

International Emergency Card Replacement

$75

Charged when we courier a card to you internationally.

Currency Conversion

2.50%

Fee charged for any International Transaction which includes:

any transaction made in a foreign currency; or
when any transaction is processed outside of Australia (in Australian dollars or a foreign currency).

It is calculated as a percentage of the Australian dollar equivalent.

International ATM Withdrawal

Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.

International Balance Enquiry

Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM and should be displayed on the screen before proceeding with the withdrawal.

Trace

$20

Charged when you request us to initiate a trace to confirm that a third-party payment was received at the destination account or when an unknown third-party payment has been received in your account. Note: the fee will be waived if the trace shows that the transaction was incorrectly posted to your account.

Manual Statement

$10

Charged when you request a manual statement to be generated and emailed to you. All statements are available on the Virgin Money App and can be accessed for closed accounts

Paper Statement – Domestic

Charged for each paper statement that is required to be posted to an address in Australia.

Paper Statement – International

Charged for each paper statement that is required to be posted to an International Address.

BPAY Error Correction Fee

$30

Charged when you and / or the BPAY biller request us to correct, investigate, dispute or trace an error made on a BPAY instruction. Note: This fee will be waived where it is determined that either our or the BPAY system has caused the error to occur.

Direct Debit Dishonour

Free

Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.

Cheque Dishonour

Free

There is no fee charged for a cheque deposit that is dishonoured on your account.

Bank Cheque

$10

Charged for each bank cheque that is produced and posted to an Australian address.

Withdrawal by card at Bank@PostTM

Free

There is no fee to withdraw cash using your card at Bank@PostTM

Deposit of cash at Bank@Post TM

Free

There is no fee to deposit cash at Bank@PostTM

Deposit of cheques at Bank@PostTM

Free

There is no fee to deposit cheques at Bank@PostTM

Balance enquiry at Bank@PostTM

Free

There is no fee to check your account balance at Bank@PostTM

Limits {colspan-4}

Transaction type

Limits

Pay Someone

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Tab Title

Virgin Money Boost Saver

Interest rates & Monthly Criteria {colspan-2}

Rate type

Interest Rate (p.a.)

Highest Variable Interest Rate

{banking-rates||gr5||rate}% p.a.

This is made up of the variable Base rate of {banking-rates||gr1||rate}% p.a., Bonus rate of {banking-rates||gr2||rate}% p.a. and the Notice Interest Rate of {banking-rates||gr4||rate}% p.a.

Base Interest Rate

{banking-rates||gr1||rate}% p.a.

Bonus Interest Rate

Additional variable interest rate earned on your Grow Saver when you meet the Monthly Criteria of at least 1 deposit and no more than 1 withdrawal in that month.

{banking-rates||gr2||rate}% p.a.

Notice Interest Rate

Additional variable interest rate earned on a Grow Saver where the optional Lock Saver Feature is enabled.

Provide 32 days’ advance notice to unlock your account or withdraw your money.

This feature may be suitable for savings you don’t need to immediately access. For more information, go to our Lock Saver Feature website page.

{banking-rates||gr4||rate}% p.a. (optional)

Important Information on Bonus Interest for Grow Savers:

Bonus Interest Rate for a month can be activated by simply making 1 deposit and no more than 1 withdrawal in that month.
To activate the Bonus Interest Rate on a particular account you must meet these conditions on that account.
Once the Lock Saver Feature is enabled you will earn the additional variable Notice Interest rate while the Lock Saver Feature is enabled, up until the date that you activate the Unlock Saver Feature. The additional variable Notice Interest rate does not apply during the 32 day notice period which commences once you activate the Unlock Saver Feature.

Fees and charges {colspan-4}

Name

Fee

Description

Monthly Account Keeping

Free

There are no monthly account keeping fees with our Virgin Money Deposit Accounts.

BPAY, Pay Someone, Card Transactions

Free

There is no fee charged by Virgin Money for performing a BPAY® Payment, pay anyone of making a card transaction, which you should be advised of at the time of making the transaction.

Domestic ATM Withdrawal Fee

Free

Domestic Emergency Card Replacement

$15

Charged when we courier a card to you within Australia.

International Emergency Card Replacement

$75

Charged when we courier a card to you internationally.

Currency Conversion

2.50%

Fee charged for any International Transaction which includes:

any transaction made in a foreign currency; or
when any transaction is processed outside of Australia (in Australian dollars or a foreign currency).

It is calculated as a percentage of the Australian dollar equivalent.

International ATM Withdrawal

Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal.

International Balance Enquiry

Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM and should be displayed on the screen before proceeding with the withdrawal.

Trace

$20

Manual Statement

$10

Charged when you request a manual statement to be generated and emailed to you. All statements are available on the Virgin Money App and can be accessed for closed accounts

Paper Statement – Domestic

Charged for each paper statement that is required to be posted to an address in Australia.

Paper Statement – International

Charged for each paper statement that is required to be posted to an International Address.

BPAY Error Correction Fee

$30

Direct Debit Dishonour

Free

Charged for each direct debit that is dishonoured on the same day that the dishonour takes place.

Cheque Dishonour

Free

There is no fee charged for a cheque deposit that is dishonoured on your account.

Bank Cheque

$10

Charged for each bank cheque that is produced and posted to an Australian address.

Withdrawal by card at Bank@PostTM

Free

There is no fee to withdraw cash using your card at Bank@PostTM

Deposit of cash at Bank@Post TM

Free

There is no fee to deposit cash at Bank@PostTM

Deposit of cheques at Bank@PostTM

Free

There is no fee to deposit cheques at Bank@PostTM

Balance enquiry at Bank@PostTM

Free

There is no fee to check your account balance at Bank@PostTM

Limits {colspan-4}

Transaction type

Limits

Pay Someone

Payments using the New Payments Platform (NPP)

Daily limit set at $1,000 per Account holder.

This will change to $5,000 per Account holder on 1 November, 2024.

NPP Payments form part of the Pay Someone daily limit.

BPAY Payments

Visa Debit Card Transaction

Daily limit set at $5,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $20,000 per day.

Visa Debit Card Withdrawal

Daily limit set at $1,000 per card. This amount is in AUD and can be increased in the Virgin Money App up to $2,000 per day.

Visa Contactless

Debit card withdrawal at Bank@PostTM

Daily limit set at $2,000 per Card

Cash Deposit at Bank@PostTM

Daily limit set at $3,000 per Card

Combined Cash and Cheque Deposit at Bank@PostTM

Daily limit set at $999,999.99 per Card

Any payments or transfers (including Pay Someone, NPP and Via Debit Card Transactions) to known cryptocurrency or digital asset exchanges

Monthly calendar limit set at up to $5,000 per Account holder in total across all Accounts. This is a set limit and cannot be increased or decreased.

All transfers or Pay Someone payments to a fixed rate home loan account accessible on the Virgin Money app

You cannot transfer or pay an amount that would lead to the annual prepayment limit (set at an aggregate of $10,000 for a 12 month period) being exceeded.

Tab Title

Virgin Money Grow Saver

Ready to get started? Join in just minutes with six easy steps

Open an account

Want to explore more about the Virgin Money Go Transaction Account?

Go Account

Important Information

Fragment
/fragment/terms-and-conditions/bank-and-save/bank-and-save	,

Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards

Credit card rates and fees summary

Here you’ll find the rates and fees that are specific to the type of card you have. {sub-heading}

[Image]

Virgin Australia Velocity High Flyer Credit Card

[Image]

Virgin Australia Velocity Flyer Credit Card

[Image]

Virgin Money Anytime Rewards Credit Card

[Image]

Virgin Money Low Rate Credit Card

[Image]

Virgin Money No Annual Fee Credit Card

Tag

All Cards, Rewards Cards

All Cards, Low Rate/No Annual Fee Cards

Annual fee

Annual fees are subject to change.

$349

$169

$99. Annual fees are subject to change.

No annual fee... ever

Retail purchase rate

21.99% p.a.

12.99% p.a.

19.99% p.a.

Cash advance rate

21.99% p.a.

21.69% p.a.

20.99% p.a.

Balance transfer rate on all cards

Reverts to the cash advance rate at end of the offer period.

International Transaction Fee

3.30%

{empty}

Learn more

Fees common across all our credit cards

A Cash Advance Fee ‐ Domestic

$2.70 per transaction amount or 2.7% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place.

A Cash Advance Fee ‐ International

$5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.

International Transaction Fee

We charge you an International Transaction Fee of 3.3% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:

foreign currency once converted to Australian dollars; and/or
Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas.

For the Virgin Money Anytime Rewards Card, the International Transaction Fee was removed from 1 October 2026.

Late Payment Fee

$30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.

Over-the-Counter Fee (Bank@Post)*

$2.50 fee applies for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol

Paper Statement Fee

$2 each month we issue you with a paper statement, debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances.

/fragment/credit-cards/useful-links/universal

/fragment/credit-cards/contact-us

Important Information

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/fragment/terms-and-conditions/credit-cards/credit-cards	,

Source: https://www.virginmoney.com.au/help-and-support/rates-and-fees/home-loans

Rates and Fees

Packed with perks, loaded with rewards and built to flex with you. Compare home loans and see what's possible.

Choose a home loan that fits

We make things simple, especially when it comes to home loan comparisons, so you know you’re getting the right deal for you.

{empty}

Lite Home Loan

Loaded Home Loan

Rate {grey-cell}

Variable rate from

{hlx-rates || 98026 || Rate} % p.a.3

Minimum $150k loan, up to 80% LVR

Variable rate from

{hlx-rates || 98049 || Rate}% p.a.5

Minimum $150k loan, up to 60% LVR

Comparison {grey-cell}

Comparison rate21

{hlx-rates || 98026|| Comparison Rate}% p.a.

Comparison rate21

{hlx-rates || 98049 || Comparison Rate}% p.a.

Eligibility {grey-cell}

Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $150K, max 80% LVR11.

Available for new Owner Occupier, Principal and Interest loans, Minimum loan size $400K, max 60% LVR11.

Annual fee {grey-cell}

$295 p.a.

Payable for the first time on the lending date, then on or around every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded home loan held in the same name(s) and capacity.

Valuation fee

We will cover the valuation costs up to $300

Earn Virgin Money Points {grey-cell}

Earn 1,000 points per borrower each month just for making your repayments on time.16

Earn 100,000 points at settlement.

Earn 2,000 points per borrower each month just for making your repayments on time.16

Based on a new $500k Loaded Home Loan

Offset {grey-cell}

N/A

100% interest offset with a Go account

Redraw {grey-cell}

Option to redraw on variable rate home loans

Repayments {grey-cell}

Unlimited additional repayments on variable rate home loans

Owner Occupier

Found a place you want to call home? Check out our competitive Owner Occupier rates.

Style

Padding-b-0

Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.

Learn more

For base rates, please see here

Owner Occupier - Variable

<$150K

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/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/variable-less-150k

Owner Occupier - Variable

>$150K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/variable-more-150k

Owner Occupier - Fixed

LVR 0% to 60%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-0-60

Owner Occupier - Fixed

LVR 60.01% to 70%

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/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-60-70

Owner Occupier - Fixed

LVR 70.01% to 80%

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/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-70-80

Owner Occupier - Fixed

LVR 80.01% to 90%

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/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-80-90

Owner Occupier - Fixed

LVR 90.01% to 95%

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/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/owner-occupier/lvr-90-95

Tab Title

Lite Home Loan

Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.

Learn more

For base rates, please see here

Owner Occupier - Variable

<$150K

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/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-less-150k

Owner Occupier - Variable

>$150K - $400K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-150k

Owner Occupier - Variable

>$400K - $700K

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/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-400k-700k

Owner Occupier - Variable

>$700K +

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/variable-more-than-700k

Owner Occupier - Fixed

LVR 0% to 60%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-0-60

Owner Occupier - Fixed

LVR 60.01% to 70%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-60-70

Owner Occupier - Fixed

LVR 70.01% to 80%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-70-80

Owner Occupier - Fixed

LVR 80.01% to 90%

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/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-80-90

Owner Occupier - Fixed

LVR 90.01% to 95%

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/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/owner-occupier/lvr-90-95

Tab Title

Loaded Home Loan

Investor

Buying or refinancing a place to rent out? Make property investing even more rewarding with a Virgin Money Home Loan.

Style

Padding-b-0

Lite home loan

Lite on frills but heavy on all the essentials, this straightforward home loan has everything you need and nothing you don’t – like high fees.

Learn more

For base rates, please see here

Investor - Variable

<$150K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/variable-less-150k

Investor - Variable

>$150K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/variable-more-150k

Investor - Fixed

LVR 0% to 60%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-0-60

Investor - Fixed

LVR 60.01% to 70%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-60-70

Investor - Fixed

LVR 70.01% to 80%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-70-80

Investor - Fixed

LVR 80.01% to 90%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-80-90

Investor - Fixed

LVR 90.01% to 95%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/lite-home-loan/investor/lvr-90-95

Tab Title

Lite Home Loan

Loaded home loan

Loaded with features, this home loan not only rewards you with points, but also rewards you with more flexibility and control.

Learn more

For base rates, please see here

Investor - Variable

<$150K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-less-150k

Investor - Variable

>$150K - $400K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-150-400

Investor - Variable

>$400K - $700K

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-400-700

Investor - Variable

>$700K +

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/variable-700-plus

Investor - Fixed

LVR 0% to 60%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-0-60

Investor - Fixed

LVR 60.01% to 70%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-60-70

Investor - Fixed

LVR 70.01% to 80%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-70-80

Investor - Fixed

LVR 80.01% to 90%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-80-90

Investor - Fixed

LVR 90.01% to 95%

Fragment
/fragment/help-and-support/rates-and-fees/home-loans/loaded-home-loan/investor/lvr-90-95

Tab Title

Loaded Home Loan

Reward Me Home Loan

Please note the Reward Me home loan is no longer offered for new applications.
Existing customers can still manage a Reward Me Home Loan and Companion Account through the hub.

Access your account online via the Hub.

Online: hub.virginmoney.com.au

Want to talk to a home loan specialist?

Our experts have got your back. They’re on hand to guide you through every step of the journey.

Enquire now

Key upfront fees

Find out about fees for Virgin Money Lite Home Loan or Loaded Home Loans.{sub-heading}

{empty}

Lite Home Loan

Loaded Home Loan

Annual fee

$295 p.a. payable for the first time on the settlement date and then on or about every anniversary of the settlement date. We may waive this annual fee if you’re already paying an annual fee on another Loaded Home Loan held in the same name(s) and capacity.

Settlement fee

$150 - Payable for completing settlement of your loans.

Valuation fee

We will cover the valuation costs up to $300.

We will cover the valuation costs up to $300

Rate Lock

$750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after 90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.

Government fees and charges

These fees are calculated at the time of your application and may include land title search fee, mortgage discharge fee, mortgage registration fee.

Depending on how you use your loan, you may have to pay other fees and charges.

Have a RewardMe home loan? The RewardMe home loan is no longer offered for new applications. Existing customers can view interest rates and find support here.

The home loan information rundown

[Image]

Important Information

A full list of important information that could apply to your home loan along with terms and conditions.

See important information

[Image]

Base Rates

View our base rates.

View base rates

Style

layout-cols-33-66

Style

layout-cols-33-66, small-button

Contact us

Find support, contact details & important information.{sub-heading}

View all contact information

Get in touch

Our lending specialists are here to help. Start with a quick, no obligation chat at a time that works for you. Just fill in the form and our home loan experts will aim to contact you within 24 hours.

Enquire now

13 81 51

General enquiries | Home loan & offset account

Monday to Friday 8am - 6pm (AEST/AEDT)
Saturday 8am - 5pm (AEST/AEDT)
Excluding public holidays.

1800 701 997

Financial Hardship Assistance

Monday to Friday 8.30am - 5pm (AEST/AEDT)
Excluding public holidays.

View support page

Important Information

Fragment
/fragment/terms-and-conditions/home-loans/home-loans	11, 16, 21

Source: https://www.virginmoney.com.au/superannuation/individuals/fees

Superannuation fees

Don’t let superannuation fees eat away your future. Our low fees1 helps you grow your super balance. Less fees, more super.{sub-heading}

Join now{dropdown-list}
- Individual{external-link}
- Employer{external-link}
Login{button-group inverse-button dropdown-list}
- Individual{external-link}
- Employer{external-link}

[Image: hero]

[Image: hero1]

Style

padding-b-0

Check your annual super fees

Want to see what you’ll pay in super fees? Select your super balance to check your estimated annual fees with Virgin Money Super.1

height

500px

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.h-axis .column-label{\n\t  overflow: visible;\n\t  padding-inline: 10px;\n\t}\n\t.points-chart .h-axis .column-label span{\n\t  /* display: block; */\n\t  font-size: 20px;\n\t  text-align: right;\n\t  line-height: 13px;\n\t  text-indent: 65px;\n\t  transform: rotate(0 deg);\n\t  transform-origin: 0 90%;\n\t  white-space:nowrap;\n\t  /* width:80px; */\n\t  font-weight: bold;\n\t}\n\t\n\t\t@media only screen and (max-width: 768px) {\n\t\t.points-chart .h-axis .column-label span{\n\t\t  transform-origin: 0 50%;\n\t\t}\n\t  }\n\t  \n\t.points-chart .h-axis > .column-label{\n\t  padding-top: 70px;\n\t}\n\t\n\t.points-chart .columns{\n\t  float: left;\n\t  height: 300px;\n\t  width: calc(100% - 80px);\n\t}\n\t\n\t.points-chart .column-box,\n\t.points-chart .h-axis .column-label{\n\t  float: left;\n\t}\n\t.points-chart .comparison-scroller{\n\t  float:left;\n\t  overflow-x: hidden;\n\t}\n\t\n\t.points-chart .column-box div{\n\t  margin: 0 5%;\n\t}\n\t\n\t.points-chart .column-box .points-wrapper{\n\t  position: relative;\n\t}\n\t\n\t.super-fee-comparison .points-chart .column-box .points{\n\t  background-color: #E10A0A;\n\t  position:relative;\n\t}\n\t\n\t.super-fee-comparison .points-chart  .comparison-scroller .column-box .points{\n\t  background-color: #FFA199;\n\t}\n\t\n\t.points-chart .column-box .points span{\n\t  color: #FFF;\n\t  position: absolute;\n\t  bottom: 70px;\n\t  text-align: center;\n\t  width: 100%;\n\t  font-size: 18px;\n\t  font-weight: bold;\n\t}\n\t.points-chart .column-box .points,\n\t.points-chart .column-box .blank-points{\n\t  -webkit-transition: height 0.5s;\n\t  -o-transition: height 0.5s;\n\t  -moz-transition: height 0.5s;\n\t  transition: height 0.5s;\n\t}\n\t\n\t.points-breakdown{\n\t  margin: 10px 15px 10px 72px;\n\t  padding: 15px;\n\t  background-color: #fff;\n\t  border-radius: 8px;\n\t  float: left;\n\t}\n\t\n\t.breakdown-title{\n\t  text-align: center;\n\t  line-height: 30px;\n\t}\n\t\n\t.breakdown-list{\n\t  overflow: hidden;\n\t  border-bottom: 1px solid #e7e7e7;\n\t  margin-bottom: 5px;\n\t  padding: 10px 0 20px 0;\n\t}\n\t\n\t.breakdown-list .breakdown-item{\n\t  float: left;\n\t  width: 200px;\n\t  box-sizing: border-box;\n\t}\n\t\n\t.breakdown-list .breakdown-loan{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/breakdown-loan.png) left top no-repeat;\n\t  padding-left: 38px;\n\t}\n\t\n\t.breakdown-list .breakdown-credit{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/breakdown-credit.png) left no-repeat;\n\t  padding-left: 43px;\n\t}\n\t\n\t.breakdown-list .breakdown-insurance{\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/breakdown-insurance.png) left no-repeat;\n\t  padding-left: 53px;\n\t}\n\t\n\t.breakdown-list .breakdown-description{\n\t  font-size: 11px;\n\t}\n\t\n\t.breakdown-info{\n\t  padding: 10px 0 5px 0;\n\t}\n\t\n\t#copy .breakdown-info p{\n\t  margin-bottom: 0!important;\n\t  line-height: 18px;\n\t}\n\t\n\t.points-disclaimer{\n\t  margin: 20px 15px 20px 72px;\n\t  float: left;\n\t}\n\t\n\t#copy .points-disclaimer p{\n\t  margin-bottom: 0!important;\n\t  font-size: 11px;\n\t}\n\t\n\t.nowrap{\n\t  display: inline;\n\t  white-space: nowrap;\n\t}\n\t\n\t#copy .points-disclaimer p:not(:last-child) {\n\t  padding-bottom: 8px;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison{\n\t  color: #414042;\n\t  font-size: 13px;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison a,\n\tbody.in-mobile .super-fee-comparison a:visited,\n\tbody.in-mobile .super-fee-comparison a:hover{\n\t  color: #414042;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison label{\n\t  font-size: 13px;\n\t  line-height: 16px;\n\t  padding: 8px 0;\n\t  width: auto;\n\t}\n\t\n\tbody.in-mobile .calculator-item-right .calculator-input label{\n\t  width: auto;\n\t  padding-right: 8px;\n\t}\n\t\n\tbody.in-mobile .super-fee-comparison input{\n\t  font-size: 13px;\n\t  background-color: #fff;\n\t}\n\t\n\tbody.in-mobile .points-calculator {\n\t  padding-top: 0;\n\t}\n\t\n\tbody.in-mobile .calculator-row {\n\t  position: relative;\n\t}\n\t\n\tbody.in-mobile .calculator-item{\n\t  width: 100%;\n\t  box-sizing: border-box;\n\t}\n\t\n\tbody.in-mobile .calculator-item-choice{\n\t  /* padding-right: 85px; */\n\t}\n\t\n\tbody.in-mobile .calculator-wrapper{\n\t  margin: 0 auto;\n\t  width: 160px;\n\t}\n\t\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-item-choice-inline .calculator-input {\n\t  width: 40%;\n\t}\n\t\n\tbody.in-mobile .calculator-row-2 .calculator-wrapper{\n\t  padding: 0;\n\t  float: none;\n\t}\n\t\n\tbody.in-mobile .calculator-item-left {\n\t  width: 100%;\n\t}\n\t\n\tbody.in-mobile .calculator-item-right {\n\t  width: 60%;\n\t  float: left;\n\t}\n\tbody.in-mobile .calculator-item-right .slider-bar {\n\t  float: right;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip {\n\t  margin-top: 3px;\n\t}\n\t\n\tbody.in-mobile .calculator-row-2 .calculator-item-right .calculator-choice {\n\t  margin: 0 auto;\n\t}\n\t\n\tbody.in-mobile .calculator-slider-container {\n\t  height: auto;\n\t  width: 100%;\n\t}\n\t\n\tbody.in-mobile .calculator-slider{\n\t  position: relative;\n\t  padding: 0 15px;\n\t  width: calc(100% - 30px);\n\t}\n\t\n\tbody.in-mobile #loan-slider,\n\tbody.in-mobile #credit-amount-slider,\n\tbody.in-mobile #tenure-slider{\n\t  width: 100%;\n\t  float: none;\n\t  margin: 0;\n\t}\n\t\n\tbody.in-mobile #loan-slider .ui-slider-value,\n\tbody.in-mobile #credit-amount-slider .ui-slider-value{\n\t  display: none;\n\t}\n\t\n\tbody.in-mobile .slider-min,\n\tbody.in-mobile .slider-max {\n\t  margin: 10px 0;\n\t  /*width: 80px;*/\n\t  /*text-align: right;*/\n\t  /*position: absolute;*/\n\t  /*top: 6px;*/\n\t  /*left: 0;*/\n\t}\n\t\n\tbody.in-mobile .slider-max {\n\t  /*width: 80px;*/\n\t  /*text-align: left;*/\n\t  /*position: absolute;*/\n\t  /*top: 6px;*/\n\t  /*right: 0;*/\n\t}\n\t\n\tbody.in-mobile .calculator-choice{\n\t  /*  position: absolute;\n\t  width: auto;\n\t  right: 0;\n\t  top: 10px;*/\n\t}\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-choice{\n\t  top: auto;\n\t  bottom: 10px;\n\t}\n\t\n\tbody.in-mobile .calculator-radio-button,\n\tbody.in-mobile .calculator-checkbox-button{\n\t  font-size: 11px;\n\t}\n\t\n\tbody.in-mobile .calculator-checkbox {\n\t  width: 100%;\n\t  padding: 8px 0;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip .calculator-tooltip-wrapper {\n\t  top: auto;\n\t  bottom: 17px;\n\t  left: -140px;\n\t  padding: 0 0 12px 0;\n\t  background: url(http://virginmoney.com.au/images/home-loans/calculator/tooltip-point-bottom.png) bottom right no-repeat;\n\t}\n\t\n\tbody.in-mobile .calculator-row-1 .calculator-tooltip .calculator-tooltip-wrapper {\n\t  background-position: bottom left;\n\t  left: -35px;\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip .calculator-tooltip-value {\n\t  box-shadow: -2px -2px 2px 0 rgba(0, 0, 0, 0.1);\n\t}\n\t\n\tbody.in-mobile .calculator-tooltip-button{\n\t  line-height: 20px;\n\t}\n\t\n\tbody.in-mobile .points-breakdown{\n\t  float: none;\n\t  margin: 20px 15px;\n\t}\n\t\n\tbody.in-mobile .breakdown-title {\n\t  text-align: center;\n\t  line-height: 15px;\n\t  padding: 15px 0 10px 0;\n\t}\n\t\n\tbody.in-mobile .breakdown-list{\n\t  padding: 0 0 5px 0;\n\t}\n\t\n\tbody.in-mobile .points-breakdown .breakdown-item{\n\t  float: none;\n\t  width: 160px;\n\t  margin: 10px auto;\n\t}\n\t\n\tbody.in-mobile .points-disclaimer {\n\t  margin: 20px 15px;\n\t  float: none;\n\t}\n\tdiv.vma-important-info{\n\t  background: url(\"http://virginmoney.com.au/images/global/icons/icon-vma-info-22-red.png\") no-repeat scroll 72px 0;\n\t  clear: both;\n\t  font-size: 11px;\n\t  padding-left: 100px;\n\t  padding-right: 20px;\n\t}\n\tbody.in-mobile div.vma-important-info{\n\t  background: url(\"http://virginmoney.com.au/images/global/icons/icon-vma-info-22-red.png\") no-repeat scroll 22px 0;\n\t  padding-left: 50px;\n\t  margin-top:15px;\n\t}\n\tdiv.tenure-div{\n\t  padding-top: 10px;\n\t}\n\t.clearfix:after {\n\t  content: \".\";\n\t  display: block;\n\t  clear: both;\n\t  visibility: hidden;\n\t  line-height: 0;\n\t  height: 0;\n\t}\n\t.clearfix {\n\t  /*display: inline-block;*/\n\t}\n\thtml[xmlns] .clearfix {\n\t  display: block;\n\t}\n\t* html .clearfix {\n\t  height: 1%;\n\t}\n\t\n\t@media screen and (max-width: 768px) {\n\t  .super-fee-comparison{\n\t\toverflow-x: hidden;\n\t\tpadding: 20px 0;\n\t  }\n\t  .points-chart{\n\t\twidth:275%;\n\t  }\n\t  .slider-bar-label{\n\t\ttext-align: center;\n\t\twidth: 100%;\n\t\tmargin-bottom: 20px;\n\t  }\n\t  .slider-wrapper{\n\t\twidth: 80%;\n\t\tfloat:none;\n\t\tmargin: 10px auto;\n\t  }\n\t  .points-chart .h-axis .h-axis-wrapper{\n\t\tfloat: left;\n\t\toverflow-x: hidden;\n\t\toverflow-y: visible;\n\t\tpadding-top: 60px;\n\t  }\n\t\n\t}\n\t\n\t"},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery-1.8.2.min.js"},"children":[],"content":""},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery-ui-1.9.2.custom.js"},"children":[],"content":""},{"tag":"script","attributes":{"src":"/libs/calculators/jquery/jquery.ui.touch-punch.min.js"},"children":[],"content":""},{"tag":"div","attributes":{"class":"main-container"},"children":[{"tag":"div","attributes":{"class":"super-fee-comparison vma-calculator"},"children":[{"tag":"div","attributes":{"class":"data"},"children":[{"text":"[\"Product Name\", \"$150,000\", \"$100,000\", \"$50,000\", \"$25,000\", \"$5,000\"],\n\t\t[\"Virgin Money Super\", 946, 650, 354, 206, 88],\n\t\t[\"Industry Fund Average\", 1240, 847, 454, 257, 100],\n\t\t[\"Retail Fund Average\", 1236, 844, 452, 256, 99],"}]}]},{"tag":"script","attributes":{},"children":[],"content":"\n\n\n\tvar comparison_points_options = Object();\n\tchartHeight = 300;\n\t/**\n\tmain Function to build a comparison calculator\n\targument: id of div to be replaced with calc\n\t*/\n\tfunction buildComparison(calcId) {\n\t\n\t  $velocity_calculator = jQuery('#' + calcId);\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  comparisonHtml  = \"\";\n\t  comparisonHtml += '<div class=\"points-form clearfix\">';\n\t  comparisonHtml += '  <form class=\"clearfix\">';\n\t  comparisonHtml += '\t\t\t<div class=\"calculator-item slider-bar-label\">What is your super balance?</div>';\n\t  comparisonHtml += '\t\t\t<div class=\"calculator-item slider-wrapper\">';\n\t  comparisonHtml += '\t\t\t\t<div class=\"slider-bar\"></div>';\n\t  comparisonHtml += '\t\t\t\t<div class=\"slider-bar-ticks clearfix\">';\n\t  for(i=1; i<data[0].length; i++){\n\t\tcomparisonHtml += '\t\t\t<div class=\"slider-bar-tick\" style=\"left:' + ((i-1) * (100 / (data[0].length - 2))) + '%;\"><span>' + data[0][i] + '</span></div>';\n\t  }\n\t  comparisonHtml += '\t\t\t\t</div>';\n\t  comparisonHtml += '\t\t\t</div>';\n\t  comparisonHtml += '\t</form>';\n\t  comparisonHtml += '</div>';\n\t  comparisonHtml += '<div class=\"points-chart\"><div class=\"points-chart-inner\">';\n\t  comparisonHtml += buildComparisonVAxis(calcId, 3);\n\t  comparisonHtml += buildComparisonColumns(calcId, 3);\n\t  comparisonHtml += buildComparisonHAxis(calcId);\n\t  comparisonHtml += '</div></div>';\n\t\n\t  $velocity_calculator.html(comparisonHtml);\n\t\n\t  jQuery(\".points-chart .comparison-scroller-inner\", $velocity_calculator).draggable(\n\t\t{\n\t\t  axis: \"x\",\n\t\t  scroll: false,\n\t\t  drag: function( event, ui ) {\n\t\t\tif(ui.position.left >= 0){\n\t\t\t  ui.position.left = 0;\n\t\t\t}\n\t\t\tscrollWindowWidth = $velocity_calculator.outerWidth() - (jQuery('.v-axis', $velocity_calculator).outerWidth() + jQuery('.column-box-1', $velocity_calculator).outerWidth());\n\t\t\tif(ui.position.left < -(jQuery(this).width() - scrollWindowWidth)){\n\t\t\t  ui.position.left = (jQuery(this).width() - scrollWindowWidth > 0) ? -(jQuery(this).width() - scrollWindowWidth) : 0;\n\t\t\t}\n\t\t\tjQuery(\".h-axis-wrapper-inner\", $velocity_calculator).css('left', ui.position.left);\n\t\t  }\n\t\t}\n\t  );\n\t\n\t  jQuery('.slider-bar', $velocity_calculator).slider({\n\t\trange: \"min\",\n\t\tvalue: 3,\n\t\tmin: 1,\n\t\tmax: 5,\n\t\tslide: function(event, ui) {\n\t\t  rebuildComparisonColumns(calcId, ui.value);\n\t\t  jQuery('.v-axis', '#' + calcId).replaceWith(buildComparisonVAxis(calcId, ui.value));\n\t\t},\n\t\tcreate: function(event, ui) {\n\t\t  // build label\n\t\t}\n\t  });\n\t\n\t\n\t\n\t  //  activateCalculator(calcId);\n\t}\n\t\n\tfunction buildComparisonVAxis(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  ticks = getTicks(data, idx, 4); // due to rounding this can sometimes be 5\n\t\n\t  comparison_points_options[calcId]['ticks'] = ticks;\n\t\n\t  vAxisHtml  = '\t<div class=\"v-axis\">';\n\t  vAxisHtml += '\t\t<div style=\"height: 0px\"></div>';\n\t  for(i = ticks.length-1; i >= 0; --i){\n\t\tvAxisHtml += '\t\t<div class=\"grid\" style=\"height: ' + (chartHeight / ticks.length) + 'px\">';\n\t\tvAxisHtml += '\t\t\t<div class=\"grid-value\">$' + parseInt(ticks[i]) + '</div>';\n\t\tvAxisHtml += '\t\t</div>';\n\t  }\n\t  vAxisHtml += '\t</div>';\n\t\n\t  return vAxisHtml;\n\t}\n\t\n\tfunction buildComparisonHAxis(calcId){\n\t\n\t  data = comparison_points_options[calcId]['data'];\n\t\n\t  hAxisHtml  = '\t<div class=\"h-axis cols-' + (data.length - 1) + '\">';\n\t  hAxisHtml += '\t\t<div class=\"column-label\" style=\"width:' + (100 / ( data.length - 1 )) + '%\"><span>' + data[1][0] + '</span></div>';\n\t  hAxisHtml += '\t\t<div class=\"h-axis-wrapper\" style=\"width:' + (100 - (100 / ( data.length - 1 ) ) ) + '%\"><div class=\"h-axis-wrapper-inner\">';\n\t  for(i=2; i<data.length; i++){\n\t\thAxisHtml += '\t\t\t<div class=\"column-label\" style=\"width:' + (100 / ( data.length - 2 )) + '%\"><span>' + data[i][0] + '</span></div>';\n\t  }\n\t  hAxisHtml += '\t\t</div></div>';\n\t  hAxisHtml += '\t</div>';\n\t  return hAxisHtml;\n\t}\n\t\n\tfunction buildComparisonColumns(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t  ticks = getTicks(data, idx, 4);\n\t  maxVal = ticks[ticks.length-1];\n\t\n\t  columnsHTML  = '\t<div class=\"columns cols-' + (data.length - 1) + '\">';\n\t  columnsHTML += '\t\t<div class=\"column-box column-box-1\" style=\"width:' + (100 / ( data.length - 1 )) + '%\">';\n\t  columnsHTML += '\t\t\t<div class=\"blank-points\" style=\"height: ' + (chartHeight - Math.ceil((data[1][idx] / maxVal) * chartHeight)) + 'px;\"></div>';\n\t  columnsHTML += '\t\t\t<div class=\"points-wrapper\">';\n\t  columnsHTML += '\t\t\t\t<div class=\"points\" style=\"height: ' + Math.ceil((data[1][idx] / maxVal) * chartHeight) + 'px;\"><span>' + dollarFormat(data[1][idx]) + '</span></div>';\n\t  columnsHTML += '\t\t\t</div>';\n\t  columnsHTML += '\t\t</div>';\n\t  columnsHTML += '\t\t<div class=\"comparison-scroller\" style=\"width:' + (100 - (100 / ( data.length - 1 ) ) ) + '%\">';\n\t  columnsHTML += '\t\t\t<div class=\"comparison-scroller-inner\">';\n\t  for(i=2; i<data.length; i++){\n\t\tcolumnsHTML += '\t\t\t\t<div class=\"column-box column-box-' + i + '\" style=\"width:' + (100 / ( data.length - 2 )) + '%\">';\n\t\tcolumnsHTML += '\t\t\t\t\t<div class=\"blank-points\" style=\"height: ' + (chartHeight - Math.ceil((data[i][idx] / maxVal) * chartHeight)) + 'px;\"></div>';\n\t\tcolumnsHTML += '\t\t\t\t\t<div class=\"points-wrapper\">';\n\t\tcolumnsHTML += '\t\t\t\t\t\t<div class=\"points\" style=\"height: ' + Math.ceil((data[i][idx] / maxVal) * chartHeight) + 'px;\"><span>' + dollarFormat(data[i][idx]) + '</span></div>';\n\t\tcolumnsHTML += '\t\t\t\t\t</div>';\n\t\tcolumnsHTML += '\t\t\t\t</div>';\n\t  }\n\t  columnsHTML += '\t\t\t</div>';\n\t  columnsHTML += '\t\t</div>';\n\t  columnsHTML += '\t</div>';\n\t\n\t  return columnsHTML;\n\t}\n\t\n\tfunction rebuildComparisonColumns(calcId, idx){\n\t  data = comparison_points_options[calcId]['data'];\n\t  ticks = getTicks(data, idx, 4);\n\t  maxVal = ticks[ticks.length-1];\n\t\n\t  for(i=1; i<data.length; i++){\n\t\tjQuery('.blank-points', '#' + calcId + ' .column-box-' + i).height((chartHeight - Math.ceil((data[i][idx] / maxVal) * chartHeight)));\n\t\tjQuery('.points', '#' + calcId + ' .column-box-' + i).height(Math.ceil((data[i][idx] / maxVal) * chartHeight)).html('<span>' + dollarFormat(data[i][idx]) + '</span>');\n\t  }\n\t}\n\t\n\tfunction getTicks(data, idx, tickCount){\n\t  maxVal = 0;\n\t  ticks = [];\n\t  for(i=1; i<data.length; i++){\n\t\tmaxVal = Math.max(maxVal, data[i][idx]);\n\t  }\n\t  tickCount = 4;\n\t  tempStep = maxVal / tickCount;\n\t  mag = Math.floor(Math.log10(tempStep));\n\t  magPow = Math.pow(10, mag);\n\t  magMsd = parseInt(tempStep / magPow + 0.5);\n\t  stepSize = magMsd * magPow;\n\t\n\t  val = 0;\n\t  while(val < maxVal){\n\t\tval += stepSize;\n\t\tticks.push(val);\n\t  }\n\t  return ticks;\n\t}\n\t\n\tif(typeof Math.log10 == 'undefined'){\n\t  Math.log10 = function (x) {\n\t\treturn Math.log(x) / Math.LN10;\n\t  };\n\t}\n\t\n\tfunction dollarFormat(number){\n\t  return '$' + addCommas(number);\n\t}\n\t\n\tfunction addCommas(number) {\n\t  var n= number.toString().split(\".\");\n\t  n[0] = n[0].replace(/\\B(?=(\\d{3})+(?!\\d))/g, \",\");\n\t  return n.join(\".\");\n\t}\n\tjQuery(document).ready(function() {\n\t  jQuery('.super-fee-comparison').each(function(idx, obj){\n\t\t// don't do anything if no id provided\n\t\tif(typeof jQuery(obj).attr('id') == 'undefined'){\n\t\t  jQuery(obj).attr('id', 'comparison' + idx);\n\t\t}\n\t\tid = jQuery(obj).attr('id');\n\t\tcomparison_points_options[id] = Object();\n\t\tdata = \"[\" + jQuery('.data', obj).html().trim() + \"]\";\n\t\tconsole.log(data, eval(data));\n\t\tjQuery('.data', obj).remove();\n\t\tcomparison_points_options[id]['data'] = eval(data);\n\t\tbuildComparison(id);\n\t  })\n\t});\n\t\n\t"}]}]

/fragment/terms-and-conditions/superannuation/fees-important-information

Style

padding-b-0

Breakdown of your annual super fees & other costs

A breakdown of your superannuation fees. Select the fees you want defined on the tabs below.

Activity fees

Additional fees may occur depending on specific super account requests you make.

What do you pay for? {grey-row}

How much is it?

How and when is it paid?

Switching fee

NIL

N/A

Insurance administration fee

$18 per annum per policy

Deducted monthly from account balance

Family law split

$88

One off deducted from account balance, generally split equally between you and your former spouse

Family law information request

$110

One off fee. Payable by cheque upon application.

Overseas transfer fee

NIL

N/A

For more information, refer to the Product Disclosure Statement (PDS).

Tab Title

Activity fees

Administration fees {font-dark}

The general administration fees that cover the cost of keeping your super account.{sub-heading}

What do you pay for? {grey-row}

How much is it?

How and when is it paid?

Administration fee (dollar based)*

$58 per annum

Fixed dollar-based administration fee is generally deducted on the last day of the month from your account balance.

Administration fee (asset based)*

0.424% per annum

Asset-based administration fee is generally calculated and deducted daily when unit prices are determined. Reflected in your super account balance.

Administration cost

0.03% per annum

Costs associated with product and strategic services, estimated to be 0.03% per annum of Mercer Super Trust assets.

* From 1 July 2019, if your super account balance is less than $6,000 at 30 June of a financial year, the total combined amount of administration fees, investment fees and transaction costs charged to you for the relevant financial year is capped at 3% of your super account balance. Any amount charged in excess of the cap must be refunded.

For more information, refer to the Product Disclosure Statement (PDS) and Product Guide.

Style

highlight

Tab Title

Administration fees

Transaction costs18{font-dark}

The costs associated with trading to manage the investment strategy for each investment option in your superannuation account. Note you’ll only pay transaction costs for the investment strategy or strategies that apply to your super.

What do you pay for?{grey-row}

How much is it?

LifeStage Tracker®

0.00% - 0.01% p.a.

Indexed Diversified Shares

0.00% p.a.

Enhanced Indexed Conservative Growth

0.01% p.a.

Enhanced Indexed Growth

0.00% p.a.

Indexed Australian Shares

0.00% p.a.

Indexed Overseas shares

0.00% p.a.

Indexed Australian Listed Property

0.00% p.a.

Cash

0.00% p.a.

How and when is it paid? Generally deducted daily when unit prices are determined. Reflected in your super account balance.

For more information, refer to the Product Disclosure Statement (PDS).

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Transaction costs

Investment fees and costs18{font-dark}

This covers the ongoing cost associated with managing your investment, which can vary depending on the investment options. It’s a percentage based fee that is applied to the money you have invested in each investment option. {sub-heading}

What do you pay for?

How much is it?

LifeStage Tracker®

0.146% - 0.156% p.a. of your account balance in this option

Indexed Diversified Shares

0.23% p.a. of your account balance in this option

Enhanced Indexed Conservative Growth

0.29% p.a. of your account balance in this option

Enhanced Indexed Growth

0.28% p.a. of your account balance in this option

Indexed Australian Shares

0.22% p.a. of your account balance in each of this option

Indexed Overseas Shares

0.22% p.a. of your account balance in each of this option

Indexed Australian Listed Property

0.23% p.a. of your account balance in each of this option

Cash

0.12% p.a. of your account balance in this option

How and when is it paid? Generally calculated and deducted daily (from the underlying investment vehicles or the relevant investment options) when unit prices are determined. Reflected in a reduction of investment returns of the investment option.

For more information, refer to the Product Disclosure Statement (PDS).

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Investment fees and costs

Insurance fees{font-dark}

Age next birthday

Type of Automatic Insurance cover6

Annual premium
A

Annual cost recovery fee
B

Annual insurance fee
A+B

30 years old

Death and TPD

$243,000 of cover

($2.73/week x 52) = $141.96

$1.5 x 12 = $18.00

$159.96

40 years old

Death and TPD

$270,400 of cover

($3.64/week x 52) = $189.28

$1.5 x 12 = $18.00

$207.28

30 years old

Death only

$243,000 of cover

($1.65/week x 52) = $85.80

$1.5 x 12 = $18.00

$103.80

40 years old

Death only

$270,400 of cover

($2.20/week x 52) = $114.40

$1.5 x 12 = $18.00

$132.40

The cost of insurance is made up of two elements:

A cost recovery fee of $1.50 per month per policy (retained by the fund to cover the cost of providing insurance to members) and
A monthly premium payable to the Insurer. The monthly premium is based on the type of cover, number of units and your age.

For more info, see the examples below or refer to our Insurance Guide.

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Insurance fees

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Baby Break

It doesn't seem fair when mums or dads go on parental leave and their employer superannuation contributions stop, but their fees don't. Virgin Money Super was one of the first super funds in Australia to do something about it, granting discounts on their super fees for eligible customers on parental leave.{sub-heading}

If you’re an existing Virgin Money Super customer, complete the Baby Break application form{link-button}

Conditions apply. See full terms and conditions.

Discount your asset based administration fee for up to 12 months while you're on parental leave: From 0.424% to 0.074%.

[Image: baby break]

Join Virgin Money Super

Get your super sorted in minutes. Join online, enjoy low fees1, customise your investments, and keep track of your super balance.{sub-heading}

Join now{dropdown-list inverse-button}
- Individual{external-link}
- Employer{external-link}
Login{dropdown-list secondary-button}
- Individual{external-link}
- Employer{external-link}

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Learn more about all things superannuation

Discover our helpful blogs and guides to help you learn more on super - from superannuation fees to managing your finances.

How to enhance your superannuation

Explore opportunities to boost your super returns.

Learn more

Our guide to getting more from your money

See our tips to effortlessly grow your savings.

Learn more

7 steps to spring clean your finances

Help refresh your finances with 7 simple steps to save more and spend smarter.

Learn more

/fragment/help-and-support/superannuation/useful-links

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Contact us

Got a question? We’ve got answers. Contact us today — we’re here to help with whatever you need.

Call us

Monday to Friday: 8am – 6pm AEST.

1300 652 770

Online enquiry form

Send us an enquiry and we’ll get back to you within 1–2 business days.

Enquire now

Employer hotline

Monday to Friday: 9am – 5pm AEST

1300 855 040

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Important information

/fragment/terms-and-conditions/superannuation/important-information

Things you need to know

Fragment
/fragment/terms-and-conditions/superannuation/terms-and-conditions	1, 6, 18

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Virgin Australia Velocity High Flyer Card

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Velocity High Flyer Credit Card

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Earn up to 100,000 bonus Velocity Points and 100 Status Credits20 with a Virgin Australia Velocity High Flyer Card

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Source: http://t.e.velocityfrequentflyer.com/r/?id=h768e29fc%2C3690a7c8%2C368f34ed&cmpid=VFF1086_VMA_eDM_Del01_Virgin_Money_eDM_Module09_Copy02&bId=1989028348&acId=349926587&clid=FCP_915449800_PDM280347&s=5PYHzSG81KNtwlXnAP0ECRyXUaLFQeCtwgE8hsGxKzE

Virgin Money Voucher Terms of Use

Virgin Australia Velocity Flyer or Virgin Australia Velocity High Flyer Card Gift Voucher Terms of Use

Information regardingImportant information

Vouchers issued prior to 08 July 2020

Vouchers issued on and from 08 July 2020

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Important information

Banking Code of Practice

Target Market Determinations

Financial Difficulty Assistance

Feedback and Complaints

Availability of Payment Services

Privacy and security

Terms and Conditions

Transaction & Savings Accounts

Credit Cards

Home Loans

Complimentary Insurances