- Bonus points: Earn 60,000 Virgin Money Points (worth $300 in gift cards) when you spend at least $3000 in the first 90 days from approval.
- Unlimited points: Earn 1 Virgin Money Point per $1 on eligible transactions at major supermarkets and major restaurants, and 0.5 per $1 on other eligible transactions. Partner bonus offers vary.
- 0% balance transfer: Pay 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies), reverting to the cash advance rate afterwards.
- Platinum services: The Visa Platinum Concierge Service is like a personal assistant you can access online or by phone anytime. You’ll get other Visa benefits including presale access to entertainment and sporting events, retail discounts and more.
- Extras: No fee for an additional cardholder and you can sync your card with Apple Pay, Google Pay and Samsung Pay.
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Virgin Money Credit Cards
Virgin Money Anytime Rewards Card
Updated 5 October 2026
Flaunting its title as the Highest Virgin Money Points Earning card in town 👑, the new Virgin credit card is full of platinum extras and points power for a modest annual fee.
For a limited time, you can earn 60,000 bonus Virgin Money Points and enjoy 0% p.a. for 12 months on balance transfers (3% balance transfer fee applies, reverting to the cash advance rate). Visa is also throwing in platinum features like its 24/7 concierge services, discounts and early access to Australia’s biggest entertainment and sporting events.
Points Earn Rate (per $1 spent)
0.5 points
Virgin MoneyRewards Program
Virgin Money Rewards
Bonus Points
60,000 pts
Spend at least $3,000 on eligible purchases within 90 days from card approval.
Pros and cons
- High interest rate on purchases
Creditcard.com.au review
Editor Review
Virgin Money Anytime Rewards Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Overall Rating
As a rewards card, this one ticks plenty of boxes: a reasonable annual fee, platinum perks and unlimited points. The Virgin Money Rewards program is flexible and offers fun ways to redeem points including gift cards, genuine cashback, Velocity Frequent Flyer points, travel partners and gifting points to a buddy.
What I love about the Virgin Money Anytime Rewards card
Virgin says this card is its highest-earning Virgin Money Points card because its other cards only earn through retail partners or Velocity points. It also comes with big bonus points worth $300 in gift cards.
At $169, the annual fee is fairly standard for a rewards card that doesn’t directly earn frequent flyer points. It comes with great extras that give it a platinum touch.
First I’ll break down the big-ticket perks of the card, and then look at how you can earn and redeem Virgin Money Points.
Bonus points: You can earn 60,000 Virgin Money Points when you sign up as a new cardholder and spend at least $3000 on eligible purchases in the first 90 days from approval.
➕ What are eligible purchases?
Virgin Money’s terms say an eligible purchase is 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.”
Bonus points on purchases: You can earn up to 20 bonus points per $1 (or a lump sum of bonus points) when buying from partnering retailers like Milkrun, Pet Circle, The Iconic, Menulog and LVLY.
Visa platinum extras: The Visa Platinum Concierge Service is on-call 24/7 to fulfil your whims, including making recommendations, bookings, appointments, gift ideas and deliveries. Visa Concierge can even book a custom trip with priority booking and discounts.
Other Visa benefits include Visa Offers + Perks, which gives you exclusive access to presale tickets to entertainment and sporting events, and discounts with partnering retailers.
Redeeming Virgin Money Points
The Virgin Money Rewards program gives you a ton of ways to use your points, and it's easy to figure out what your points can earn in the app (which is different to some programs that like to keep us in the dark).
Here are some ways you can redeem your points:
Points for gift cards: buy digital gift cards from brands like Amazon, Bunnings, JB Hi-Fi and Woolworths.
Points for cash: redeem a minimum of 500 points for cash that’s credited to your account (10,000 points is worth $46 cashback).
Pay with points: nominate a recent purchase and use points to pay it off instantly.
Transfer points to your travel program: use points to book trips with partnering travel groups or convert points to your Velocity Frequent Flyer membership.
Reserve travel: book your next getaway instantly with partnering hotels.
Share your points: you can transfer points to a friend with a Virgin Money Rewards membership.
What’s not so great
You can still receive up to 44 interest-free days on retail purchases while you have a balance transfer, provided you pay the Interest Free Days Payment shown on your statement in full by the due date.
The bonus-points offer includes 0% p.a. on balance transfers for 12 months, with a 3% fee, reverting to the cash advance rate of 21.99% p.a. Interest-free days on purchases remain available if you pay the statement’s Interest Free Days Payment in full by the due date.
While this card offers great rewards, its high standard purchase interest rate means carrying a balance month-to-month can get expensive. If you don’t plan on paying off your purchases in full each statement cycle, the interest charges could outweigh the value of the points and perks. It’s best suited for cardholders who can clear their balance regularly to avoid these costs.
Who suits the Virgin Money Anytime Rewards card
This is a great bang-for-buck rewards card with the potential to be a points powerhouse. It could suit people who want to earn points that can be redeemed flexibly rather than being tied to a frequent flyer program. It might also interest people who like a discount or two, and first dibs on concerts, sports events, live shows and more.
User reviews
Rates and fees
Interest rates
Purchase rate 21.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer revert rate 21.99% p.a.
Balance transfer from personal loan Yes
Balance transfer fee 3%% one off
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Bank of Queensland, Coles, IMB, NAB, Qantas Money, Suncorp, Virgin Money
Credit limits
Minimum credit limit $6,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $169 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 0%
Minimum repayment $30 or 2%, whichever is greater
Cash advance fee 2.7% (amounts of $100 and over); $2.70 (less than $100); $5 (international)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Virgin Money Rewards
Bonus points 60,000 points
Annual points cap uncapped
Bonus points spend criteria Spend at least $3,000 on eligible purchases within 90 days from card approval.
Earning points with this card
Virgin Money Rewards points 0.5 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Overview
Virgin Money Anytime Rewards Card
The Virgin Money Anytime Rewards Card is a platinum-level rewards credit card offering 60,000 bonus Virgin Money Points when you spend $3,000 within the first 90 days from approval. Earn 1 Virgin Money Point per $1 on eligible transactions at major supermarkets and major restaurants, and 0.5 per $1 on other eligible transactions. Partner bonus offers vary. Other features include Visa Platinum Concierge services, exclusive event presales, and Apple Pay, Google Pay, and Samsung Pay compatibility.
Key features
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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Resident or citizen of Australia
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Minimum income of $35000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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