Choose your own exclusive benefit

Plus, get up to 120,000 bonus Points on personal cards or up to 150,000 bonus Points on business cards*

To unlock this offer, choose your exclusive benefit by clicking through to our benefit selector below. Apply for a Velocity Points earning credit card with an annual card fee, be approved and meet the minimum spend criteria for the individual credit card offer.

That’s your choice of card and your choice of an exclusive benefit, on top of the bonus Points offer you’ll receive for the card you select if you meet the minimum spend criteria.

To choose an exclusive benefit you'll need to be a Velocity member, so join for free now if you're not already. You'll be prompted for your Velocity login details, if you can't quite remember these, here's some help.

Choice of exclusive benefit ends 31 May 2022.

Ready to choose your 
exclusive benefit?

Choose wisely because once your choice is made you will not be able to change it. It's time to get your Velocity login details ready.


Which exclusive benefit will you choose?

  • option

    40,000 bonus Points

    Enjoy a generous boost to your Points balance1. You could fly Sydney to Fiji return on an Economy class Reward Seat from 35,600 Points, plus $267.80 in taxes, fees and carrier charges^. What will you do with your Points?

  • option

    Trial Gold Status for 6 months

    Get selected Gold Velocity member benefits for 6 months like Virgin Australia Lounge entry and bonus Points with Virgin Australia and other Velocity Partners during this period2. For Velocity Red and Silver members only. Live the luxe life. 

  • option

    $300 Virgin Australia Travel Bank Credit

    For use on Domestic and Short Haul International flights with Virgin Australia3. There's plenty of destinations you could fly to. It's time to explore. 

Choose benefit

Participating cards and inclusions

Terms and Conditions

Credit Services Disclaimer 
The credit services material on this webpage has been prepared by the relevant credit licensees as indicated above and not Velocity Frequent Flyer Pty Ltd (VFF) or Virgin Australia (VA). VFF and VA do not hold an Australian Credit Licence and are not the licensee in relation to the credit activity being engaged in by the relevant credit licensee/credit representative. 
 
*Exclusive Benefits

To be eligible to receive the choice of 40,000 bonus Velocity Points, Trial Gold Status or $300 Virgin Australia Travel Bank Credit (each an ‘Exclusive Benefit’), you must (a) be a Velocity Frequent Flyer member, (b) make your selection of the Exclusive Benefit by visiting between 12:01am (AEST) 26 April 2022 and 11:59pm (AEST) 31 May 2022 (prior to the card application) and receive a confirmation email to the nominated email address in your Velocity Frequent Flyer account, (c) after receipt of the confirmation email, successfully apply for any card featured on  https://experience.velocityfrequentflyer.com/partners-offers/velocity-credit-cards/direct-earn-cards that has an annual card fee (excluding the American Express Velocity Escape Card), and (d) meet the minimum spend criteria for the eligible offer associated with the individual card if the application is successful. The selected Exclusive Benefit will be allocated to your Velocity account within 30 days of receiving the relevant eligible offer associated with the individual card provided by the issuer of the card (Issuer). You are unable to change any Exclusive Benefit once selected. The choice of 40,000 bonus Velocity Points, Trial Gold Status or $300 Virgin Australia Travel Bank Credit is offered by Velocity Frequent Flyer and is separate to bonus Points or other eligible offers from the Issuers. The choice of Exclusive Benefits is available for each Velocity branded Velocity Points earning card featured on https://experience.velocityfrequentflyer.com/partners-offers/velocity-credit-cards/direct-earn-cards that has an annual card fee (excluding the American Express Velocity Escape Card) and will be offered to the primary cardholder. Exclusive Benefit selection must be made prior to any new card application by visiting here. Velocity membership Terms and Conditions apply. Each Exclusive Benefit is subject to further terms and conditions as follows:

140,000 bonus Velocity Points 

As long as your Velocity Frequent Flyer account remains active, the 40,000 bonus Velocity Points will be credited to your Velocity Frequent Flyer account in accordance with and subject to the Velocity membership Terms and Conditions.  

2Trial Gold Status 

Trial Gold Status is only available for Red and Silver Members for 6 months from a start date as reasonably determined by Velocity Frequent Flyer. Platinum and Gold members who select this option will be allocated 40,000 bonus Velocity Points.

With Trial Gold Status:

• You’ll receive member benefits connected with Gold Status except for:  
Gold member baggage tag, a physical membership card, complimentary partner memberships, guaranteed economy Reward Seat and membership pause for parental leave; 
• You’ll continue to earn Status Credits, Points and Eligible Sectors in the same way as other Gold members; and 
• Your Status Credits balance will reflect the number of Status Credits, Points and Eligible Sectors you’ve earned since receiving this Trial Gold Status.

If you earn 80 Status Credits and fly at least two Eligible Sectors during your 6 month Trial Gold Status, you can maintain full Gold Status for 12 months. We’ll assess your eligibility for full Gold Status at the end of your 6 month Trial Gold Status, and if you’re eligible, we’ll notify you and you’ll receive 12 months of full Gold status. If you are ineligible for full Gold Status, your Status level will be assessed in accordance with the Velocity membership Terms and Conditions

3$300 Virgin Australia Travel Bank Credit 

Available to Primary Cardholders only in the form of a AUD $300 travel credit in a Virgin Australia Travel Bank. Travel Bank Credit is not redeemable for cash and is subject to the Travel Bank Terms and Conditions which are available here: https://www.virginaustralia.com/au/en/about-us/policies/legal/travel-bank-terms/

^Sydney to Fiji Reward Seat:

Departing Sydney to Nadi. The Points values displayed are correct as at 12 April 2022 and are subject to change. Fares are subject to availability, and seats are limited and may not be available at peak times. Redemption bookings are based on a return Economy Reward Seat and must be booked on the Velocity website. Add $40 or 5,200 Points per person for bookings made on the phone. A checked baggage allowance is included in your fare, view Reward Seat Baggage Allowances for details. Taxes, fees and carrier charges are payable at the time of booking and will vary depending on carrier, city pair, fare class date and time of booking. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference, at least 24 hours before scheduled departure. You may also request a refund for other reasons, including under the Australian Consumer Law. Full terms and conditions at velocityfrequentflyer.com.

American Express Velocity Platinum Card:

4Bonus & Eligibility. The 120,000 bonus Velocity Points offer is only available to new American Express Card Members who apply online by 31 May 2022 for the American Express Velocity Platinum Credit Card, are approved, and spend $3,500 on their new Card within the first 3 months from the Card approval date. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited, in the preceding 18 month period are ineligible for the bonus Velocity Points offer. Eligible purchases do not include cash advances, interest, fees and charges for traveller’s cheques and foreign currencies. 120,000 bonus Velocity Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Velocity membership and Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

5Velocity Points. As long as your account remains current and in good standing. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions available here. Certain transactions will earn 0.5 points per dollar with Merchants classified as; 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. The additional Velocity Point earned per $1 spent applies only to Virgin Australia purchases made in Australia.

6Complimentary Flight. The complimentary domestic economy Virgin Australia return flight is available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions and travel is subject to Virgin Australia Conditions of Carriage.

7Virgin Australia Lounge. Due to social distancing requirements, seating capacity within Virgin Australia Lounges may be limited. Visit the Virgin Australia website for information on Virgin Australia’s Lounge network. Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions.  Two Single Entry passes to the Virgin Australia lounge will be activated on the Primary Card Member's Velocity Membership Card annually on or after each annual Card fee renewal date. Single entry passes are valid for 12 months from the date of issue. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and Lounge Rules as amended from time to time.

8Status Credits.100 Velocity Frequent Flyer Status Credits will be awarded when you spend a minimum of $50,000 (on Eligible Spend) within your card membership year. Card membership year means 365 days from the anniversary date of your American Express Velocity Platinum Card. Eligible Spend does not include cash type purchases on a Card, for example travellers cheques and foreign currencies or any interest, fees or charges (including late payment or dishonoured payments) charged to the Card account. Please allow up to 2 weeks after you meet the minimum spend requirement for the Velocity Frequent Flyer Status Credits to be credited to your Velocity account. In addition to Status Credits, Velocity members need to fly on Virgin Australia marketed flights to earn Eligible Sectors to upgrade or maintain a level of membership. Find out more about the Status Credit and Eligible Sector requirements for Velocity membership levels.

Virgin Australia Velocity High Flyer Card:

9Virgin Australia Velocity High Flyer Card 100,000 bonus Velocity Points offer: Up to 100,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by  31 May 2022. 25,000 bonus Velocity Points will be awarded for every month $3,500 or more is spent on Eligible Transactions for first 4 months from card approval.  Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See  Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page or by calling 1300 771 634 and indicating that you would like the High Flyer Card 100,000 Velocity Points offer. Points will be credited to the Primary Cardholder's Velocity account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

10Earn Rates: Standard Velocity Point earn rate on the Virgin Australia Velocity High Flyer Card is 1 Point per dollar spent on Eligible Transactions on your first $8,000 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. Standard Velocity Point earn rate on the Virgin Australia Velocity Flyer Card is 0.66 Points per dollar spent on Eligible Transactions on your first $1,500 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership Terms and Conditions apply. Velocity Points are earned on Eligible Transactions only.

11$129 Virgin Australia Gift Voucher: The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of use for full details.

12Complimentary Lounge Pass: The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Virgin Australia Lounge Pass Benefit Terms & Conditions for full details. Get the latest information on Virgin Australia lounge access. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and as amended from time to time.

Virgin Australia Velocity Flyer Card:

13Virgin Australia Velocity Flyer Card 100,000 bonus Velocity Points offer: Up to 100,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by  31 May 2022. 25,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on Eligible Transactions for first 4 months from card approval. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page or by calling 1300 771 634 and indicating that you would like the Flyer Card 100,000 Velocity Points offer. Points will be credited to the Primary Cardholder's Velocity account up to 60 days after the qualifying purchases. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

14Earn Rates: Standard Velocity Point earn rate on the Virgin Australia Velocity High Flyer Card is 1 Point per dollar spent on Eligible Transactions on your first $8,000 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. Standard Velocity Point earn rate on the Virgin Australia Velocity Flyer Card is 0.66 Points per dollar spent on Eligible Transactions on your first $1,500 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity membership Terms and Conditions apply. Velocity Points are earned on Eligible Transactions only.

15$129 Virgin Australia Gift Voucher: The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of use for full details.

16Annual card fee: Virgin Australia Velocity Flyer Card half annual fee offer is available to new customers that apply by 31 May 2022. The annual card fee is $64 for the first year, then $129 will be charged on the anniversary of your card account being opened with Virgin Money.

Westpac Altitude Black Credit Card with Velocity Points:

17Bonus Velocity Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Black credit card between 19 October 2021 and 30 June 2022. You will receive an initial 90,000 bonus points if you spend $4,000 or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria.
You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis.

18Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

19Eligible purchases: do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

20Virgin Australia Domestic Lounge Passes: Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations and entry is subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia Lounge Terms and Conditions which are subject to change from time to time.

21Concierge Services for Altitude Black: Concierge services are provided by a third party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com

22Altitude Velocity: In order to earn and redeem Points, you must be a member of the Velocity Frequent Flyer program. An annual $50 Velocity Rewards fee applies.

Westpac Altitude Platinum Credit Card with Velocity Points:

23Bonus Velocity Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Velocity Platinum card between 19 October 2021 - 30 June 2022 and spend the minimum amount of $4,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. The bonus Velocity Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis.

24Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

25Eligible purchases: do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

26Economy X Seat Upgrade Voucher conditions:

1. By keeping or using your Westpac Altitude Velocity Platinum Card, you are agreeing to these Economy X Seat Upgrade Voucher Conditions. 

2. In these Economy X Seat Upgrade Voucher Conditions:

  • Westpac means Westpac Banking Corporation ABN 33 007 457 141
  • Virgin Australia means Virgin Australia Airlines Pty Ltd ABN 36 090 670 965
  • you and your means the Altitude Velocity Platinum Mastercard primary cardholder with a Westpac Altitude Velocity card account
  • Economy X Seat Upgrade Voucher means a single use, one-way upgrade to an Economy X seat class on an eligible Virgin Australia direct domestic flight between two selected Australian cities
  • Card means the Altitude Velocity Platinum Mastercard
  • Anniversary Year means the period starting on the date on which the applicable Altitude Velocity Platinum Mastercard account is opened by Westpac (Anniversary Date) and expiring on the day before the Anniversary Date each year thereafter
  • Primary Cardholder means the person who opens the Altitude Velocity Platinum Mastercard with Westpac

Other expressions which are used in these Economy X Seat Upgrade Voucher Conditions that are not defined here have the same meaning as in the Points Terms and Conditions.

3. Economy X Seat Upgrade Voucher redemption is available for booking via the redemption criteria in clause 13 by eligible Altitude Velocity Platinum Mastercard primary cardholders.

27Reduced First year Annual Card Fee: The discounted first year annual card fee of $49 is available when you apply and are approved for a new Altitude Velocity Platinum card between 19 October 2021 - 30 June 2022. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter.

28Altitude Velocity: In order to earn and redeem Points, you must be a member of the Velocity Frequent Flyer program. An annual $50 Velocity Rewards fee applies.

American Express Velocity Business Card:

29Bonus & Eligibility: Offer only available to new American Express Card Members who apply for the Velocity Business Card by 1 June 2022, are approved and spend $3,000 on their new Card in the first two (2) months from the Card approval date. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. 150,000 Bonus Velocity Points will be awarded to the eligible Card Member's Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. $249 annual fee applies. Subject to the American Express Velocity Business Card Points Terms and Conditions

30Velocity Points: As long as your account remains current and in good standing, Velocity Points are earned in accordance with and subject to the Velocity American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances fees and charges for foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the Velocity American Express Card Points Terms and Conditions. Earn 1 Point per $1 spent on eligible purchases and 2 Points per $1 spent on Virgin Australia purchases in Australia. You will earn 0.5 points per $1 spent at participating merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies. Industry specific earn rates may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be taxation implications associated with your participation in the rewards program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.

31Virgin Australia Lounge: Some Virgin Australia Lounges are currently closed, and Virgin Australia is continuing to assess their re-opening as travel restrictions ease. Please note, due to social distancing requirements, seating capacity within Virgin Australia Lounges may be limited. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network. Two Single Entry passes to the Virgin Australia lounge will be activated on the Basic Card member's Velocity membership card annually on or after the  each annual Card fee renewal date. Single Entry passes are valid for 12 months from the date of issue. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports and entry is subject to the Virgin Australia Lounge Terms and Conditions and Lounge Rules, as amended from time to time.

32Insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Velocity Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Velocity Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.

33No pre-set spending limit: does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

34Extend your cash flow by up to 51 days: Depending upon when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

Bank of Queensland Specialist Signature Card:

35Signature credit card bonus Points offer: Offer is available for new credit card holders who apply, and are approved, for a Signature credit card before 31 May 2022, when you make 10 Eligible Transactions (as that term is defined within the meaning of the BOQ Specialist Velocity Rewards Program terms and conditions) within the first 2 months of receipt of the card. 20,000 bonus Velocity Frequent Flyer Points will be credited to the qualifying member account within two months of meeting the criteria. Not available in conjunction with any other credit card offer. Available to new credit card holders only. Terms and conditions, fees and charges and lending criteria apply. BOQ Specialist reserve the right to cease offering this product at any time without notice. Subject to BOQ Specialist Credit approval process. An annual credit card fee of $400 will apply. This offer may be extended, amended or withdrawn at any time without notice.

To 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, as amended from time to time. Velocity Points are earned in accordance with the BOQ Specialist Velocity Rewards Program Terms and Conditions. Points are earned on Eligible Transactions only. See definition of Eligible Transactions in the BOQ Specialist Velocity Rewards Program Terms and Conditions. Please allow 6-8 weeks after purchase for points to be credited to your Velocity Frequent Flyer account. BOQ Specialist recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, goods and services tax and income tax) arising from the use of this product or from participating in the Velocity Frequent Flyer program.

36Earn Rates: The Signature card will earn you 1 Velocity Point for every $1 spent on Eligible Transactions in Australia up to 10,000 Points per month, and 0.5 Points per $1 thereafter and 1.5 Velocity Points for every $1 spent on eligible international transactions.

Bank of Queensland Specialist Platinum Card:

37Platinum credit card bonus Points offer: Offer is available for new credit card holders who apply, and are approved, for a Platinum credit card before 31 May 2022. 10,000 Velocity Frequent Flyer Points will be credited to the qualifying member account within two months of your first annual fee being charged. Not available in conjunction with any other credit card offer. Available to new credit card holders only. Terms and conditions, fees and charges and lending criteria apply. BOQ Specialist reserve the right to cease offering this product at any time without notice. Subject to BOQ Specialist Credit approval process. An annual credit card fee of $150 will apply. This offer may be extended, amended or withdrawn at any time without notice.

To 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, as amended from time to time. Velocity Points are earned in accordance with the BOQ Specialist Velocity Rewards Program Terms and Conditions. Points are earned on Eligible Transactions only. See definition of Eligible Transactions in the BOQ Specialist Velocity Rewards Program Terms and Conditions. Please allow 6-8 weeks after purchase for points to be credited to your Velocity Frequent Flyer account. BOQ Specialist recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, goods and services tax and income tax) arising from the use of this product or from participating in the Velocity Frequent Flyer program.

38Earn Rates: The Platinum card will earn you 1 Velocity Point for every $2 spent on Eligible Transactions in Australia and 1 Velocity Point for every $1 spent on eligible international transactions.