You’re
ready to
take off
with the Virgin Australia Velocity Flyer Card.
virgin money + credit cards
good together
What’s inside
for you.
1. Welcome aboard.
2. Rewards that will take you places.
3. But wait there’s more.
4. Payments made easy.
5. Managing your account is easy.
6. Looking after your card.
1.Welcome aboard
Thank you for choosing the Virgin Australia Velocity
Flyer Card – it’s great to have you with us. You now
have a card that’s linked to the Frequent Flyer
program of Virgin Australia, which earns Velocity
Points1 on your everyday spend. So if you fly with
Virgin, now it makes even more sense to buy with
Virgin. It’s the credit card with rewards that take off.
Don’t forget to activate your card to make the most
of it. It’s easy and only takes a few minutes. Just call
13 37 39 and we’ll have you up and running.
Please read on to find out all the things your card
can do for you – we don’t want you to miss any of
the good stuff – like exclusive reduced flights offers 2
for you and a friend, and that’s just the start.
2. Rewards that will take you places.
Fly all over the world.
Use your card everywhere.
Earn Points faster with your Virgin Australia Velocity
Flyer Card. Each time you shop with your card you’ll
earn Velocity Points which will be credited to your
Velocity Frequent Flyer Account1 every month. You’ll
earn 1 Velocity Point per $1 spent up to $1,500
per month and then 1 Velocity Point for every $2
spent. Use your Points to fly to over 500 destinations
here and overseas with Virgin Australia’s Domestic
and International Airline Partners including Virgin
America, Virgin Atlantic, Etihad and Air New Zealand.
Take a look at velocityfrequentflyer.com to see
what you can get with your Velocity Points and how
far they’ll take you.
Earning Points is easy when your Virgin Australia
Velocity Flyer Card is accepted at over 29 million Visa
locations around the world.
Fly together and save2.
Use your Virgin Australia Velocity Flyer Card to buy
a Virgin Australia domestic Saver fare and get an
exclusive reduced flights2 offer for you and a friend
on the same flight up to 4 times a year. You’ll need to
cover the fees & taxes on both fares.
This is how it works. Within 10 days of your Virgin
Australia Velocity Flyer Card being approved, your
Velocity Frequent Flyer account will be updated
to show your ‘complimentary domestic flights’
redemption activity. You can find this in the ‘My
Benefits’ section and then look at ‘Virgin Money
Credit Card’ and click on the details button. As soon
as your Velocity account has been updated, you can
call Virgin Australia to book your flights.
It’s important to know that the flights for this offer
cannot be booked on the internet and the primary
cardholder must always be one of the guests
travelling. Bookings must be made a minimum of
30 days in advance of travel so when you’re ready
to book your flights, give our friends at the Virgin
Australia Guest Contact Centre a call on 13 67 89.
Have your Virgin Australia Velocity Flyer Card and
Velocity Rewards Membership Number handy, and
quote the promotion code ‘TWO41’. Not available
on sale fares, flights subject to availability and
conditions apply. Checked baggage not included
for Saver Lite fares. Click here for the full terms and
conditions of this offer.
Have we got your Velocity
Membership number?
Already told us your Velocity Frequent Flyer
Membership Number? Then sit back, enjoy the
ride and we’ll credit the Points you’ve earned each
month to your Velocity Frequent Flyer Account. If you
haven’t joined yet, don’t worry it‘s not too late. Just
go to velocityfrequentflyer.com and join online for
free. Once you’ve completed your registration, log
in to your Virgin Money Online Account and update
your new Velocity Frequent Flyer Membership
Number or give us a call on 13 37 39 and our
Customer Care Team will update it for you.
It’s important to know that if we do not have
your correct Velocity membership number on
file you will not be able to take advantage of your
flights offer2.
3. But wait there’s more.
Get the balance right.
Visa payWave.
Transfer the balances from your other credit cards,
store cards and personal loans onto your Virgin
Australia Velocity Flyer Card. Your money becomes a
lot easier to manage with only one account to look
out for and it could also save you on interest charges.
Visa payWave is the latest in secure, contactless
technology. It will help you spend less time at the
register and give you the freedom to do the things
that matter most to you. For transactions under
$100, just wave your Visa payWave-enabled card in
front of a Visa payWave reader and go. There’s no
need to enter your PIN.
If you didn’t request a balance transfer when you
applied for your card, you can still apply by giving
us a call on 13 37 39. Any special offer rates are
available for 90 days after your card is approved.
If you’d like to request a balance transfer after that
time please give us a call to see what rates we
can offer you.
Using PIN for in store purchases is now mandatory in
Australia and other parts of the globe. If you’d like to
change your ATM PIN, you can do it by logging into
your online account and selecting ‘My Profile’ from
the ‘Services’ menu option. If you have additional cardholders they’ll need to
set up their own Virgin Money Online account. To
do this we need to have their mobile number on file,
so give our Customer Care Team a call on 13 37 39.
Once their mobile number is listed, they can then
go ahead and set up their online account using their
card details and then change their ATM PIN.
Visa payWave-enabled cards are backed by Visa’s
Zero Liability Policy3 and are as secure as any other
Visa chip card. They carry the same multiple layers of
security, which ensures that you are not responsible
for fraudulent or unauthorised transactions. Visa
payWave cards only work when the card is within
4cm of the card reader and the payWave terminal
can only process one transaction at a time. Because
your Visa payWave card doesn’t leave your hand
during the transaction, you remain in control of your
card at all times.
Use your PIN for all other purchases at the terminal.
Your four-digit PIN is used as proof of identity when
making over-the-counter transactions at selected
merchants. It is designed to make things quick and
easy at point of sale and is generally a more secure
transaction process.
You can find more information regarding Visa
payWave in the credit card section of our website or
click here for some handy FAQ’s
Share the love.
Invite your family and friends to grab an additional
card, to earn Velocity Points faster1. This can be
anyone from your partner, to your best friend or
even your mother, just as long as they’re over 16
years old. It’s worth it for those extra Velocity Points
that you can earn, every time you or a loved one
uses the Virgin Australia Velocity Flyer Card to shop,
getting you that flight you want, sooner. You can
have up to 4 additional cards on your account.
The additional card will be linked to the same
account4, so you’ll also share the same credit limit.
Your additional cardholder will be issued with
their own Virgin Australia Velocity Flyer Card, and
any transactions made using these cards will be
separately itemised on your card Statement, making
it easy to manage your finances. You can add a card
holder through your online account. Head to ‘Card
Services’ in the ‘Services’ Tab.
Cash when you need it.
With your ATM PIN you can use your Virgin Australia
Velocity Flyer Card to withdraw cash from over
20,000 ATMs in Australia, and over 820,000 ATMs
around the world. Look out for the Visa or Plus
symbols5. You can change your ATM PIN at any time
by logging into your online account.
We’ve got you covered.
Feel 100% confident that we’re on the case to keep
your card safe, around the clock with Fraudshield®.
As long as you keep us up to date with your contact
details, we’ll call you immediately if we detect any
irregular transactions on your account, even if
you’re overseas.
Our cards also come with Visa’s Zero Liability Policy
guarantee, ensuring you won’t be held liable for
fraudulent transactions made with your card6.
Your very own personal assistant7.
Take advantage of round-the-clock access to the
Visa Platinum Customer Centre. They can organise
your flight to LA, recommend you a restaurant in
Hong Kong, have tickets arranged for the Opera in
Paris, or simply find you a reliable dry cleaner away
from home. Whatever it may be, they’ve got you
covered. It’s the next best thing to having your very
own personal assistant and all it takes is a phone call
or a mouse click, anytime, anywhere in the world.
For more details, visit visaplatinum.com.au
Other great Virgin Money products.
5% off Virgin Money Travel Insurance8.
Make sure you pop by virginmoney.com.au now
and again to check out what else we have to offer,
and other great Virgin Money products.
If you love travel as much as we do, we have some
great news to help you save. We’ve got an exclusive
offer for Virgin Money Credit Card customers.
Anytime you take out a travel insurance policy with
us and pay using your Virgin Money Credit Card, you
can enjoy a 5% discount8. It’s our little way of saying
thanks and bon voyage.
Join the conversation and like us on Facebook
www.facebook.com/VirginMoneyAU
How to apply:
1. Visit virginmoney.com.au/travel-offer
2. Choose your cover option
3. Select to pay with your Virgin Money Credit Card
and your 5% discount8 will automatically be applied
So take a short trip to Virgin Money Travel Insurance
and pack some peace of mind.
4. Payments made easy.
There’s a choice of convenient ways to pay your
Virgin Australia Velocity Flyer Card bill. Have a look at
the options below and see which one works for you.
It’s easy to pay with BPAY®.
Our biller code is 49551 and your credit card
number is your customer reference number.
Don’t give it a second thought
– with Direct Debit Auto Pay.
Set up automatic payments from other accounts
straight into your Virgin Australia Velocity Flyer Card
and your account will be taken care of each month.
Choose from a:
• f ull monthly payment plan – to pay off the
balance each month.
•m
inimum payment – to pay off the minimum
payment required.
Visit virginmoney.com.au/creditcard and head
to the ‘Manage My Account’ section where you’ll
find our Direct Debit Auto Pay form that you can
complete and return to us or give us a call on
13 37 39 to find out more about setting up an
easy payment plan.
Pop it in the post.
Make a payment at Australia Post.
When your statement arrives send the payment
slip back to us with your cheque or money order.
To make sure things run smoothly:
You can make your payments at any Australia Post
office displaying the Bank@Post™ symbol using
cash, cheque or EFTPOS. It’s important to remember
to take your Credit Card with you to make the
payment. When paying by cheque at any Australia
Post office, please allow seven business days for
the cheque to clear. However, your payment will
be considered received the day the cheque is
deposited. Fees apply.
•m
ake the cheque out to your card type and card
number, for example Virgin Australia Velocity Flyer
Card – account number.
• a lways write your card number on the back.
• r emember to include the cents
(so $200.00 not $200).
•m
ake sure you post it in enough time to reach
us before the due date.
5. Managing your account is easy.
Virgin Money Online is your personal online account
where you can view your transactions, print your
statements, set up automated payments, pay bills,
change your PIN and more. In just a few clicks you’ll
be online and in control of your Virgin Money Credit
Card Account.
Setting up your Virgin Money Online account is easy,
once you’ve received your card, have your mobile
phone handy and go to my.virginmoney.com.au
and click on the ‘First time here? REGISTER’ button.
Then click on the Credit Card Icon and follow the
steps, complete the required information then enter
a One Time PIN which we’ll send to the mobile
number you advised us during your application.
You’ll be up and running in minutes.
If you need to change your mobile number please
call our Customer Care Team on 13 37 39 and they’ll
assist you, it’s important to know that should you
wish to change your mobile number during the set
up process you will not be able to set up your online
account for 3 days as we do impose a security freeze
to the account.
Your monthly Statements.
If you’ve requested to receive eStatements we’ll
email you your monthly statement in the form of
an encrypted PDF attachment, you’ll be required to
enter a password to view your statement. A copy of
the statement will also be stored within your online
account for up to 2 years. Your statement will include
all the information you need to know for the last
month of activity, such as your account balance and
the minimum amount due.
It’s also best if you have the latest version of Adobe
Reader in order to view your statements within Virgin
Money Online.If you’ve asked for paper Statements,
you can always switch to eStatements in your online
account by clicking on ‘Services’, then head to ‘My
Profile’ and select ‘eStatements’.
•V
iew and print your statements from the
last 24 months.
•P
ay your bills using your credit card
through BPAY®.
• E xport your transactions to accounting software
like Quicken, MS Money or Excel.
•A
nd much more.
Log out safely.
Every time you’re finished using Virgin Money
Online, it’s important you log out by clicking the
log out button on the screen. It’s the safest way
of finishing your session.
Don’t have access to a computer?
What you can do online anytime,
from anywhere.
• Change your ATM PIN or update your contact
Odetails
• C
hange your password (we recommend you do
this regularly, to keep things as secure as possible).
Not to worry, you can still manage your money with
our 24-hour Telephone Self-Service line, anytime
of the day or night. You can check your balance, pay
your bills or make a credit card payment and more,
all from the comfort of, well, anywhere you like really.
All you need is a phone (and good coverage if you’re
using your mobile) and call 13 37 39.
6. Looking after your card.
Automatic Payments.
Spend less time paying your bills and more
time doing things you really want to be doing.
With Automatic Payments arrange your bills to
be automatically debited from your credit card,
earning you even more Velocity Points.
Setting up your automatic payments
is easy.
For bills you’d like paid from your credit card, contact
the companies and provide them with your account
number and every payment that occurs will be
clearly itemised on your statement.
The last thing you need is for your card to fall into
the wrong hands or to disappear, so here’s a few do’s
and don’ts that will help you keep your card safe.
Do’s.
• Sign your card as soon as you get it.
• Always keep your card in a safe place.
•W
hen your card expires, you will be sent a
new one. Sign it straight away and then call
to activate it.
•D
estroy your old card, cut it into pieces and
dispose of them securely and responsibly.
• If you’re waiting for a new card and it hasn’t arrived
within the expected time, let us know.
•K
eep an eye on merchants when they’re using
your card.
•K
eep all your phone numbers up to date so we can
contact you if we notice unusual account activity.
•B
e wary of merchants who swipe your card
a few times.
•M
ake sure you check the transaction amount before
you authorise with a PIN.
•W
hen you use your card online, only ever use secure
internet sites.
•A
lways tear up your credit card receipts before
throwing them in the bin.
• L et us know of your travel itinerary to
eliminate concerns about card activity
occurring in exotic locations.
Don’ts.
•D
on’t let anyone else know your PIN or Virgin Money
Online log in details.
•D
on’t lend your card to anyone, including friends.
•D
on’t let merchants take your card out
of your sight.
Travelling
If you’re planning a holiday or heading off on a
business trip, it’s important to let us know your plans
so we can be aware of any unusual activity on your
card. It’s also a good idea to make sure we have your
correct contact details in case we need to contact you
to verify it’s you that’s making the transaction.
Missing your card? Don’t panic.
A transaction that doesn’t look familiar.
If you notice that your card has gone missing, there’s
no need to panic, simply let us know immediately.
If you don’t recognise a transaction on your
statement, or it’s incorrect in any way, let us know
immediately by calling 13 37 39. We’d like to help
you if there’s a problem but there are strict timelines
and conditions that need to be met so it’s important
that you call us immediately.
If you’re in Australia call us on 13 37 39, or
+612 8288 2222 if you’re outside of Australia. We’ll
cancel your card so nobody else can use it, and we’ll
get a new card to you as soon as physically possible.
In alliance with:
Content Correct at 1 August 2014.
See virginmoney.com.au for updates.
Fees and charges apply. Terms and conditions apply
and are available upon request.
Virgin Money (Australia) Pty Limited ABN 75
103 478 897 distributes the Virgin Money Credit
Cards (“Credit Cards”) under an arrangement with
Citigroup Pty Ltd ABN 88 004 325 080 AFSL No.
238098 Australian credit licence 238098
(“Citibank”). Citibank is the credit provider and issuer
of the Credit Cards.
Visa is a registered trademark of Visa Worldwide
Pty Limited.
1. T
o earn and redeem Velocity Points, you must be a Velocity
member. Velocity membership and Points earn and redemption
are subject to the member Terms and Conditions, available at
velocityfrequentflyer.com, as amended from time to time
2. Offer valid for Primary Cardholder and one Guest booked and
travelling together in the same fare class. The offer provides
50% off the base fare component of a domestic Virgin Australia
Saver/Saver Lite Fare (which excludes taxes, Booking and Service
fees) for the Primary Cardholder and one Guest when flying
together (excludes sale fares). Saver Lite fares do not include a
checked baggage allowance. Guests travelling on a Saver Lite
fare may only purchase a baggage allowance at the airport for
the applicable fee (baggage allowance cannot be purchased
online). Limit of 4 sectors a year. Taxes and fees to be covered by
Primary Cardholder. Guest Contact Centre fees do not apply. See
virginaustralia.com for full details on taxes and fees. Offer valid on
new bookings made via the Guest Contact Centre at least 30 days
before travel and paid with an eligible Virgin Australia Velocity
Credit Card and/or Virgin Australia vouchers. Seats are subject to
availability which may be limited at peak times such as weekends,
Christmas or School Holidays. Flight availability and fare prices
advertised on the Virgin Australia website are not indicative of
real-time availability. Contact the Virgin Australia Guest Contact
Centre for costs and availability for your travel dates. For further
Terms & Conditions go to www.virginmoney.com.au/downloads/
credit-cards/Exclusive-reduced-flights-offer.pdf
3. Cardholder’s liability is limited to zero for unauthorised
transactions, provided the cardholder notifies us of unauthorised
Visa transactions, and there is no evidence of cardholder
negligence, fraud or collusion.
4. Additional cardholder fees may apply. Primary cardholders are
responsible for additional cardholder transactions and payments.
5. Cash withdrawal limits, fees and charges may apply.
6. Visa’s Zero Liability policy covers Australian and New Zealandissued 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. Please consult your issuer for
additional details.
7. Exclusive Visa Platinum 24/7 concierge service supplied by Visa.
Visit visaplatinum.com.au for details.
8. The 5% discount applies to the initial premium for new Virgin
Money Travel Insurance policies only purchased with a Virgin
Money Credit Card. Offer is subject to change or removal at the
discretion of Virgin Money without notice and can’t be used in
conjunction with any other Virgin Money Travel Insurance offer
or discount. Virgin Money Travel Insurance promoted by Virgin
Money (Australia) Pty Limited ABN 75 103 478 897, authorised
representative No 280884 of Virgin Money Financial Services
Pty Ltd ABN 51 113 285 395 AFSL 286869. AGA Assistance
Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as
Allianz Global Assistance issues and manages Virgin Money Travel
Insurance on behalf of the insurer, Allianz Australia Insurance
Limited (Allianz) ABN 15 000 122 850 AFSL 234708.