Velocity Cards

Updated 2 July 2019

Uncover everyday rewards on your card spending with this range of Velocity credit cards, earning points that could take you around the world or simply treat you to something special.

Velocity credit cards earn points on Virgin Australia’s Velocity program. As one of Australia’s most popular frequent flyer programs, Velocity has a number cards offered both by Virgin Money directly, and by other card providers such as American Express and Australia’s banks. From basic, no frills options to premium, feature-packed cards, there is sure to be something for everyone.

Comparing Velocity cards often starts with the earn rate. This tells you how many points you will earn on your spending. Some cards will offer one earn rate for everyday spending, and a higher earn rate for purchases made with Virgin. The key is to choose the card that rewards the spending you do most.

You can use our visual comparison tool to see how well each card on this page rates on earn rate, as well as how strong other important features are, such as annual fee and introductory bonus points. At a glance, you can see how filled-in each circle is (or bar, if you’re on a mobile device), to find the right card for you.

Earning on the Velocity program can be a great option for cardholders who favour Virgin over other airlines. However, Virgin’s airline partners offer even more for members, allowing them to enjoy benefits on Delta Air Lines, Singapore Airlines, Etihad Airways, Tigerair and more. Velocity members can use their points on flights and upgrades, and within the Velocity Store for gift cards and merchandise.

4 reviews

Apply by 31 Aug 19

More info
points earned over 12 months
0.66 points
16.77% Complete (success)
Velocity Frequent Flyer
75,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$64
first year
16.77% Complete (success)
then $129 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

31 reviews

Apply by 31 Aug 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
90,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$289
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
ANZ Rewards
40,000
points
16.77% Complete (success)
ANZ Rewards
$225
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

10 reviews
More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Velocity Frequent Flyer
N/A
-1% Complete (success)
Velocity Frequent Flyer
$0
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
2 points
16.77% Complete (success)
Amex Membership Rewards
50,000
points
16.77% Complete (success)
Amex Membership Rewards
$395
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 15 Oct 19

More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Velocity Frequent Flyer
120,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$499
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 15 Oct 19

More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Velocity Frequent Flyer
75,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$249
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 15 Oct 19

More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Velocity Frequent Flyer
80,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$300
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 15 Oct 19

More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Velocity Frequent Flyer
60,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$200
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1 point
16.77% Complete (success)
Amex Membership Rewards
N/A
-1% Complete (success)
Amex Membership Rewards
$195
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

59 reviews

Apply by 31 Aug 19

More info
points earned over 12 months
0.66 points
16.77% Complete (success)
Velocity Frequent Flyer
N/A
-1% Complete (success)
Velocity Frequent Flyer
$50
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

2 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
N/A
-1% Complete (success)
Velocity Frequent Flyer
$249
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

Take off with Velocity Points

Use your Velocity Frequent Flyer Points for flights, upgrades, fuel, hotel stays or products and gift vouchers from the Velocity Rewards Store

What Are Velocity Cards?

Velocity is the Virgin Australia rewards program, and Velocity points you earn will go towards flights with the Virgin group of airlines. The Velocity program features over 40 different card options and every $1 spent with your Velocity card earns you between 1 and 1.5 Velocity points depending on the card you choose.

To get points with the Velocity program you can either request points from your credit card transferred over to your Velocity account, or you can sign up for a co-branded card. Velocity has co-branded credit cards with Virgin Money, American Express and NAB.

Velocity Cards - How to Choose the Best?

For those who don’t want any fuss, make sure you go with a co-branded card, so you don’t have to worry about transferring points or checking balances somewhere other than your card statement. Also, think about how much you are travelling domestically and how much you go overseas before deciding between cards.

The American Express Velocity Platinum card offers the most points value per dollar spend, at 1.5 points per $1. If you don’t use American Express outlets though, you will want a Visa or Mastercard option.

Avoid the biggest mistakes

Before choosing, decide how much travel you’re likely to do. If you will only be travelling within Australia, and might want to do some shopping with your points as well, the Virgin Flyer is the go, but if you’re planning an Asia, Europe or US trip, you’ll want the High Flyer option. The annual fee is worthwhile then.

Most importantly, before you try and book complementary domestic flights check the booking site or merchant is a participating retailer and won’t try and charge you for both flights.

Also don’t forget that if you don’t want to fly Virgin all the time, you’d need to use the rest of the rewards program to your advantage, or you’ll need to be happy to fly Virgin from now on.

No, Velocity points technically do not expire, however the Velocity website states that accounts which have no points earned or redeemed within a three year period may become inactive and be closed. Any remaining points balance would be terminated if that happened.

This is known as the ‘three year rule’ and applies from the date the Velocity account was opened.

Yes, you can transfer your Velocity points balance (up to a certain amount) to eligible family members. You can make up to four transfers per year, and should read the section entitled ‘Points Transfers’ in the Velocity terms and conditions to find out more.

Recently Asked Questions

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7 questions (showing the latest 10 Q&As)

John spooner

John spooner

14 May 2019
I have a velocity master card will the total spend for the month be taken to pay off all at once
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 May 2019
    Hi John, I am not completely sure what you are asking. You need to at least pay off the minimum amount each month. You should be able to arrange with your credit card company, a direct debit. This would mean that your credit card is paid off automatically in full each month from a set bank account.
Matthew Hook

Matthew Hook

6 January 2018
my wife has a velocity visa debit card and is trying to put money on it to use it, what is the BSB and account numbers, She has not written anything down.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 January 2018
    Hi Matthew, she will need to contact the bank directly that issues the card or login online to access her account information.
eleanor skoien

eleanor skoien

29 December 2017
I have a velocity visa card but don't know how to use it. I can't access help on how to prepay the card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 January 2018
    Hi Eleanor, what bank is the issuer of the card? e.g. Virgin? Does it say Visa Debit on the card or is it a credit card?
Grasiela Swindale

Grasiela Swindale

11 November 2017
Can I use Velocity Card in Chennai India
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 November 2017
    Hi Grasiela, as long as they accept visa or Mastercard (depending on your card type), then you should be able to use your Velocity card in Chennai. I would check with your individual bank before leaving to see if there could be any issues. Also its good to let them know that you will be travelling so they don't try and block your card whilst overseas.
Caroline Worrell

Caroline Worrell

10 July 2015
Hi, I have a Commbank credit card with a Balance Of $4000 and am looking at getting a Velocity Visa card ... I am a velocity an d want a Velocity credit card to use just when I'm overseas on holidays. I am on a Pension of $24,488 ... I would only want a $2000 limit. Any thoughts
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 July 2015
    Hi Caroline - I would speak to Commbank themselves as you are a customer and this will make the process easier. Their awards credit cards can convert into Velocity points. If you have a branch nearby, pop in and have a chat to see what they say. You can apply online through Netbank also.
Steven Burn

Steven Burn

5 September 2014
I am looking for a Velocity credit card that gives me maximum points on my spend. I run a business and want to know can I set up a card through the company or do I have to do it through my personal name? My suppliers are not willing to accept Amex so Visa is preferred.Thanks for your help.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 September 2014
    Hi Steven - Highest earner appears to be http://www.creditcard.com.au/virgin-australia-velocity-high-flyer-credit-card/ - virgin high flyer - 1.25 per dollar uncapped on a visa. Issue with this card that it is personal and would require 51% of expenses to be personal for the business expenses to count. AMEX have a good business card but that is no go due to your supplies. All and all I dont know that many cards that drive Velocity points. I use the Citi Select - in my personal name - they do 2 points per dollar spent. They also convert points to Velocity - Velocity Frequent Flyer, the frequent flyer program of Virgin Australia 1.5 Citibank reward points = 1 Velocity point, redemptions must be in multiples of 15,000 Citibank reward points. This makes this card probably the best out there - http://www.creditcard.com.au/citibank-select-credit-card/ - high annual fee but when you are getting big rewards / a big spender - its worth it. Best of luck with your application
melanie

melanie

5 February 2014
What does it mean when it says go for a co-branded card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 February 2014
    Hi Melanie, a co-branded credit card is one that is issued by both a bank and a retail company. For example, the American Express Velocity Escape is co-branded between AMEX and Virgin whereas if you look at the American Express Platinum Edge , it is purely an AMEX platinum card.
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