Velocity Cards

Updated 11 December 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.

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Take off with Velocity Points

Earning Velocity Points on your credit card, your everyday spending could take you on the trip of a lifetime. Redeem your Velocity Points for flights and upgrades, hotel stays, holiday packages and more. Want to stay closer to home? Velocity Points can also be redeemed within Australia on everything from gadgets to gift cards, with some awesome options available online through the Velocity Rewards Store.

Velocity Card Essentials

Let’s start with the basics. What is a Velocity card? A Velocity card is a credit card that earns points on Virgin Australia’s Velocity rewards program. There are two ways it can do this.

Direct Earn

With this type of Velocity card, you earn Velocity Points on your spending without having to ‘opt in’. Any points you earn go directly to your Velocity account, making it a no fuss option. Examples of direct earn Velocity cards include those offered by Virgin Money, and those co-branded with Australian card providers, such as American Express or Westpac.

Opt In

With this type of card, you earn points within the card’s rewards program. You can then choose to opt in to Velocity, or transfer your points to your Velocity account manually. An example of this type of card would be those that earn on the Amplify program.

How do Velocity cards work?

A Velocity card is a rewards card, which means it rewards cardholders with points that can be redeemed within the Velocity program. After earning points on their card spending, cardholders can choose from a wide variety of redemption options, which include flights and travel with Virgin Australia and its partners, and other goods and merchandise via the Velocity Rewards Store.

Comparing Velocity cards is easy when you have CreditCard.com.au on your side. But, what should you look for when you’re comparing options? Here are some of the most important factors that will impact your decision.

Your Spending Habits: For your Velocity card to be worthy, your annual card spend must equate to a higher points value than your annual fee. To calculate this, first estimate your annual spend, and then work out what that equates to in Velocity points. Taking into account what you would redeem those points for, work out the dollar value of your annual spend in points form. Now, all you need to do is compare that to the amount you will pay in annual fees.

Your Travel Habits: Some Velocity cards offer a higher points earn on Velocity purchases, while others offer the same earn rate across the board. If you travel frequently with Virgin and its partners, opting for a card that rewards this style of spending may allow you to earn points faster and get more value from the card.

Your Repayment Habits: One of the most important things to remember about rewards options such as Velocity cards is that you need to minimise outgoings to maximise the value of the points you earn. That means avoiding unnecessary fees and interest by always paying your balance each month in full and on time.

As a member of the Velocity program, you can earn points in a number of ways.

In the air: You can earn Velocity Points when you purchase eligible flights with Virgin Australia and its airline partners, flying to more than 600 destinations worldwide.

With bonus points: If you climb the ladder to become a Silver, Gold or Platinum level member, you will earn a Velocity Points bonus when you book with selected Velocity travel partners, as well as on flights with Virgin Australia and its partner Etihad Airways.

On the ground: You can earn Velocity Points when you make a booking with Virgin’s global travel partners, as well as with its everyday partners, such as BP, Virgin Active, onsport.com.au or ride sharing company Ola.

Of course, if you also have a Velocity credit card, you have the opportunity to ‘double dip’ on your spending. When you use your Velocity card to book flights with Virgin, for example, you could earn more points per $1. The same applies when using your card with Virgin partners. Not only do you earn points for shopping with these partners, you also earn points on your card spending as standard.

Once you have accumulated enough points, you can redeem them for rewards.

Flights: You can redeem your points for flights to over 600 destinations worldwide.

Upgrades: You could opt for an upgrade when flying Virgin Australia, where you can experience the luxury of Business Class on Domestic and International Short Haul flights. You now also have the option of upgrading when you fly on an eligible Delta Air Lines flight with a VA flight number.

Travel: Redeem your points for travel with Virgin’s car hire and hotel partners, or book through Virgin Australia Holidays. • Velocity Rewards: Choose from hundreds of products and gift cards, with big names such as Dyson, Bose and Apple heading the bill. • Onsport.com.au: You can redeem your points or use a combination of Points + Pay to purchase a wide range of fitness and sporting goods from the world’s biggest sport and fitness brands. • Velocity Wine Store by Laithwaite's: If you fancy a tipple, use your points to pay for your choice of premium wines, beers and spirits.

Velocity membership is tiered. When you join the Velocity program, you start at the Red level. From there, you can move up to Silver, Gold and Platinum levels, according to how many Status Credits you earn each year. With each tier you ascend, you gain certain privileges. These can include a higher points earn, Virgin Lounge access, priority check-in and extra luggage allowances.

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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