{
  "snapshot_at": "2026-10-24T09:58:12Z",
  "brand": "Virgin Money",
  "brand_slug": "virgin-money",
  "product_id": "9bf3781e-102c-ee11-9966-002248e1d7d5",
  "cdr_url": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/9bf3781e-102c-ee11-9966-002248e1d7d5",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/9bf3781e-102c-ee11-9966-002248e1d7d5'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "productId": "9bf3781e-102c-ee11-9966-002248e1d7d5",
    "lastUpdated": "2026-09-30T03:46:28Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Virgin Australia Velocity High Flyer Credit Card",
    "description": "If you love to travel, the Virgin Australia Velocity High Flyer Card is for you. Earn Velocity Points on your everyday spend, plus enjoy exclusive flight benefits and a range of complimentary insurances. It's a seriously rewarding credit card.",
    "brand": "VMA",
    "brandName": "Virgin Money Australia",
    "applicationUri": "https://application.virginmoney.com.au/virginmoney-form/virginmoney-card/virginmoney-card-apply?",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card",
      "termsUri": "https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards",
      "eligibilityUri": "https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card",
      "feesAndPricingUri": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards"
    },
    "cardArt": [
      {
        "title": "VMA High Flyer CC Card Art",
        "imageUri": "https://www.virginmoney.com.au/content/dam/virginmoney/cards/2026/credit-cards-vertical/application-form/high-flyer-credit-card.png",
        "cardScheme": "VISA",
        "cardType": "CREDIT"
      }
    ],
    "features": [
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Velocity Points Earn",
        "additionalInfo": "Earn 0.75 points per $1 up to $5,000 spend and 0.25 points per $1 over $5,000",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rewards-and-benefits/velocity-rewards"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Mobile Phone Insurance",
        "additionalInfo": "Mobile Phone cover for accidental damage and theft up to a limit of $1,650 p.a. (with $1,000 per claim). Excess of $50 per claim.",
        "additionalInfoUri": "https://www.virginmoney.com.au/credit-cards/mobile-phone-insurance"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P44D",
        "additionalInfo": "Up to 44 days on retail purchases. No interest free days apply to purchases while you have a balance transfer.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P24M",
        "additionalInfo": "0% p.a. for 24 months on balance transfers. 3% balance transfer fee applies. Reverts to cash advance rate.",
        "additionalInfoUri": "https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://virginmoney.com.au/virgin-money-app/app-features/digital-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://virginmoney.com.au/virgin-money-app/app-features/digital-wallet"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://virginmoney.com.au/virgin-money-app/app-features/digital-wallet"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalInfo": "Reward yourself with a lower rate. Apply for an instalment plan that lets you pay off your card balance with certainty and allows you the potential to save on monthly interest that you may otherwise pay. Plus you can still enjoy interest free days on your other purchases made outside the Fixed Payment Option.",
        "additionalInfoUri": "https://virginmoney.com.au/help-and-support/credit-cards/instalments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to 100 Bonus Status Credits each year you purchase. Fly on an eligible Virgin Australia flight and you'll get rewarded with up to 100 Status Credits each year.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rewards-and-benefits/flight-benefit"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn 2 extra Velocity Points for every $1 spent directly with Virgin Australia using your High Flyer Credit Card.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rewards-and-benefits/velocity-rewards"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "International Travel Insurance",
        "additionalInfo": "Cardholders are entitled to International Travel Insurance which may cover you and your family when travelling overseas, for overseas medical expenses, loss or theft of personal items, unexpected trip cancellation and more when you purchase your overseas travel tickets on your Virgin Australia Velocity High Flyer Card.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/forms-and-important-information"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Domestic Travel Insurance",
        "additionalInfo": "Eligible cardholders can access Domestic travel insurance which may cover you and your family when travelling interstate, for medical expenses, loss or theft of personal items, unexpected trip cancellations and more when you book with your Virgin Australia High Flyer Card",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/forms-and-important-information"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Purchase Protection Insurance",
        "additionalInfo": "Cardholders receive 90 days complimentary insurance against loss, theft or accidental damage on covered products purchased anywhere in the world using your Virgin Australia Velocity Flyer or High Flyer Card up to specified amounts",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/forms-and-important-information"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Rental Vehicle Excess Insurance in Australia",
        "additionalInfo": "Eligible cardholders may be eligible for coverage of rental vehicle damage or theft for you and your family when travelling within Australia",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/forms-and-important-information"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Lounge Pass Benefit",
        "additionalInfo": "Relax, with two complimentary Single Entry Virgin Australia domestic Lounge passes, on us, each year.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rewards-and-benefits/flight-benefit"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Gain access to unique Visa privileges such as a range of great reduced holiday offers on hotels and resorts around the globe & up to 30% discount on green fees at some of the most prestigious golf clubs around the world. With Visa Platinum Benefits you'll also get exclusive access to pre-sale tickets to some of the most sought-after events in Australia.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rewards-and-benefits/visa-benefits"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Exclusive Flight Benefit",
        "additionalInfo": "Enjoy an exclusive $129 Virgin Australia Gift Voucher each year. To unlock your benefit, simply make a retail purchase in the 2 months prior to requesting your voucher.You also get to relax, with two complimentary Single Entry Virgin Australia domestic Lounge passes, on us, each year.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rewards-and-benefits/flight-benefit"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Purchase Cover",
        "additionalInfo": "Cardholders receive 90 days complimentary insurance against loss, theft or accidental damage on covered products purchased anywhere in the world using your Virgin Australia Velocity High Flyer Card up to specified amounts as outlined in the Complimentary Insurance Terms and Conditions.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/forms-and-important-information"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Extended Warranty Insurance",
        "additionalInfo": "Cardholders may be entitled to extended warranty insurance of up to 12 months which may cover you at the end of the Australian warranty period that applies to covered products you purchase on your Virgin Australia Velocity High Flyer card as outlined in the Complimentary Insurance Terms and Conditions.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/forms-and-important-information"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Take advantage of round-the-clock access to the Visa Platinum Concierge Service. 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.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Transit Accident Insurance",
        "additionalInfo": "This cover provides certain benefits in the event of accidental death and cover for cardholders who sustain an injury whilst on a trip, while riding as a passenger in or boarding or alighting transport while overseas, where the entire trip has been purchased on your Virgin Australia Velocity Flyer or High Flyer Card, as outlined in the Complimentary Insurance Terms and Conditions.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/forms-and-important-information"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "100000",
        "additionalInfo": "40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval.20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.",
        "additionalInfoUri": "https://www.virginmoney.com.au/credit-cards/high-flyer-credit-card"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "15000.0000000000",
        "additionalInfo": "Minimum credit limit",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_INCOME",
        "additionalValue": "75000.0000000000",
        "additionalInfo": "Minimum income required",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizen or permanent resident",
        "additionalInfo": "Australian Citizen or permanent resident",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You must be at least 18 years of age to apply for a credit card",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "349.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual fee charged on the card",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances.",
        "additionalInfoUri": "https://www.virginmoney.com.au/help-and-support/rates-and-fees/credit-cards"
      },
      {
        "name": "Overlimit Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Fee per statement period when your credit limit is exceeded.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Domestic Cash Advance below $100",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.7000"
        },
        "currency": "AUD",
        "additionalInfo": "Domestic cash withdrawals from your credit card.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Fee for each time a cheque or Direct Debit payment is dishonoured.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.0000"
        },
        "currency": "AUD",
        "additionalValue": "1",
        "additionalInfo": "Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Over-the-Counter Fee (Bank@Post)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.5000"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "International Transaction Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0330000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "International Cash Advance",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.0000"
        },
        "currency": "AUD",
        "additionalInfo": "International cash withdrawals on your credit card",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Domestic Cash Advance above $100",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0270000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "Domestic cash withdrawals from your credit card.",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/rates-and-fees#CommonCCFees.html"
      },
      {
        "name": "Balance Transfer fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0300000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "The balance transfer fee is 3% of the balance transferred"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card",
        "lendingRateType": "CASH_ADVANCE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://virginmoney.com.au/credit-card/compare-our-credit-cards/high-flyer-credit-card",
        "lendingRateType": "PURCHASE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.2199000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.",
        "tiers": [
          {
            "additionalInfo": "Available to newly approved Virgin Australia Velocity High Flyer Credit Card account holders.",
            "name": "Standard Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "25",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              }
            ]
          }
        ],
        "lendingRateType": "BALANCE_TRANSFER",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "rate": "0.0000000000000000",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval. 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only. 0% p.a. for 24 months on balance transfers. 3% balance transfer fee applies.",
        "tiers": [
          {
            "additionalInfo": "Available to newly approved Virgin Australia Velocity High Flyer Credit Card account holders.",
            "name": "Promotional Balance Transfer Period",
            "unitOfMeasure": "MONTH",
            "minimumValue": "1",
            "maximumValue": "24",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              }
            ]
          }
        ],
        "lendingRateType": "BALANCE_TRANSFER",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ]
  }
}