Virgin Credit Cards

	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest Free Days
Virgin No Annual Fee Credit Card	18.99%	20.99%	2.9% for 6 months	$0	44 days
Virgin High Flyer Credit Card	20.99%	20.99%	1.9% for 6 months	$249	44 days
Virgin Low Rate Credit Card	12.99%	21.69%	2.9% for 9 months	$59	44 days
Virgin Flyer Credit Card	20.99%	20.99%	1.9% for 12 months	$50 (for first year thereafter $99)	44 days

Virgin credit card - two great choices

These Virgin credit cards have been designed so that Australians can pick out the card they really want. Both of these cards are loaded with special features and benefits that you can expect only from the Virgin group.

Virgin No Annual Fee Credit Card

Here are some of the exclusive benefits you will find on this card that has no annual fee for as long as you own it.

• $0 annual fee forever.
• 2.9% p.a. for 6 months on balance transfers.
• Access to family offers from Virgin.
• 18.99% p.a. purchase rate.
• 44 days of interest-free shopping.

Virgin Flyer Credit Card

Travelers will love this card because points are easy to accumulate and even easier to redeem for free flights with Virgin Blue. Here are some of the features you can find on this new Virgin card.

• For every dollar you spend with this card you will earn a Velocity point that you can use for a flight when you spend up to and including $1500 monthly on your card. Afterwards, you will earn a Velocity point every time you spend two dollars on your card.
• $50 (for first year thereafter $99) annual fee.
• Access to family offers from Virgin.
• Virgin balance transfer credit card interest rate of only 20.99% p.a..
• Get a second seat free of charge on Virgin Blue when you purchase one seat using your Virgin credit card Australia.

Security features

The new Virgin credit cards come with up-to-date security features so that you can be 100% certain that Virgin Money is taking care of your card along with you. Here are some of the safety precautions that come with the card.

• Online security that is advanced to meet today's needs for Internet safety.
• Stolen or lost cards are replaced quickly without fuss.
• Chip technology for enhanced security.
• The policy for zero liability from Visa applies to these cards.
• Fraudshield (R) is used to detect any irregular transactions on your card.

Easy card management

Managing your Virgin credit cards Australia is fast and simple. The setup has been put in place with the cardholder in mind. Virgin understands that it's not always easy in this day and age to have set hours for accessing your credit card details. That is why your account is open for access 24/7 both by phone or online. That puts you in total control over all your credit card management both day and night. No matter where you are or what you are doing, your credit card details are accessible at all times.

Getting started online only takes a few minutes. Upon card approval, you will receive a PIN and access number for the Internet and a PIN for managing your credit card by phone. You can then register your online account with Virgin Money. Included with these security numbers will be detailed instructions that are sequenced in a simple step-by-step process.

Adding additional cardholders

The new Virgin Money credit card allows you to add four more cardholders to your account. Anyone that is over the age of 16 can be added to the account as an additional cardholder, whether it is friends or family. There is no need to keep this card to yourself when you can go ahead and share all of the benefits of the card with others.

As the primary cardholder you will be responsible for any transactions made by additional cardholders, but these transactions will be separately listed on the credit card statement. This feature allows you to easily track spending that is done on each card.

The convenience of adding additional cardholders to one account is a time saving feature that you will not be able to do without once you get used to it. You'll also be able to get rewards faster by collecting points on these extra cards that are all linked to one account.

Increasing your credit limit Once you have had your card in your possession for a full nine months you can make a request for a credit limit increase on your Virgin credit card. Applying for a higher limit will take only a few short minutes and you will find out very quickly if the increase has been granted.

To make a Virgin credit card application for an increase you can login to your account online and choose the option to increase your limit in the account services section. You can also do the application by phone, mail or fax. It takes approximately 5 - 10 business days for an answer if you apply by fax, mail or phone.

Managing your account for your credit card is simple with Virgin. You can make arrangements for transferring a balance online and also change any necessary contact information or update any details you have on file.

You are a valuable customer

As a valued customer and credit card holder you will be given special customer offers with Virgin Money. These offers are exclusive to Virgin Money customers only and are packed with great deals and money saving offers. You will have access to the following Virgin offers.

• Virgin Saver.
• Car insurance with Virgin.
• Virgin Super.
• Virgin Atlantic exclusive fares.
• Access to Velocity rewards.
• Virgin mobile - one-free-month offer.
• 25% off the activation fee for Virgin Active.

Virgin Saver

Save your money faster with a savings account online with high interest. There are no fees associated with this program at all, and you are given a Government Guarantee since Virgin is allied with Citibank. There are no requirements for a minimum balance and you are able to have access to this Virgin saver account day and night.

Car insurance with Virgin

If saving up to 30% or more on your car insurance sounds good to you then take a look at Virgin Insurance. There really is no need to pay extra for car insurance when it is not necessary, and that is the reason why Virgin developed three ways to save.

1. Save 30% or more on your car insurance and start driving for less money.

2. You will get the same price or lower in your second year with the insurance plan if you are in the same insurance situation during that year. This is guaranteed.

3. When you purchase online comprehensive cover you will get 13 months of insurance for the price you would normally pay for 12. This means you are getting an extra month of insurance for free, which is really an incredible deal for any car owner.

Virgin super

Just by joining Virgin Super you may be able to earn an extra 11,000 points in the Velocity program. This is how it works.

1. You will be given 1000 Velocity points every time you rollover $10,000 to the Virgin Super program. There is a limit of 10,000 points that can be earned this way.

2. Earn an extra 1000 points by sending your employer contributions of 9% over to Virgin Super.

The Virgin Super program also gives you other benefits. There are no contribution, joining, exit or withdrawal fees and no commissions are paid to any financial advisers. You will find that the average retail Superfund fees are about 50% lower and you can access your account online 24/7. The more money in your Super account the more you can possibly save with lower fees.

Virgin Atlantic exclusive fares

Have access to exclusive fares with Virgin Atlantic by becoming a Virgin Money credit card holder. You can get great fares by being a member of the Virgin family and you will have your choice of upper-class, premium economy or economy. It does not matter what Virgin Atlantic route you choose, you will get all of the top class service that you would completely expect from Virgin for the whole trip.

Access to Velocity rewards

Virgin Blue is partnered with the award-winning Velocity rewards loyalty program and as a cardholder you can have access to it. It is free to join and you can start earning points immediately. If you choose the Virgin Flyer card you will be able to earn rewards points for Velocity and start saving for free flights. The Velocity program is also partnered with Malaysia Airlines,Virgin Atlantic and Virgin America so your traveling possibilities are wide open. Virgin mobile - one-free-month offer.

Get one month free when you get a new mobile broadband or mobile phone plan with Virgin. If you're starting to feel like a number with other cell phone companies, make the switch over to Virgin where you become a valued member. Your first month will be free on your existing or new mobile plan that is post-paid for 24 months.

There are a lot of features on the Smart Cap plans and they start as low as $29 monthly. You will be able to make standard texts to any Australian network and make an unlimited number of calls to members of the Virgin family of mobile plans. The best thing about Virgin mobile phone plans is that the cap credit will be moved forward to the following month if not used the first time.

25% off the activation fee for Virgin Active.

Save 25% off the activation fee with Virgin Active. Have access to free weights, cardiovascular equipment, a cycling studio, studios for the soul body and mind, a pool and much, much more. Giving you the chance to build a healthy body with a Virgin gym membership is just one way Virgin wants to say thank you for being a customer.

The Virgin credit card is one of the best credit card deals currently available in Australia. Jump on the bandwagon and become a part of the Virgin Money family so that you can participate in all the exclusive offers right away.