Questions and answers

Applying for the card

How do I apply?

Once you have chosen a Virgin Atlantic Credit Card that suits your needs, click apply and you will be taken to our safe and secure online application.

If you prefer, you can apply over the phone by calling 0800 876 6656. We are here from 9am to 5:30pm, Monday to Friday.

Will I be approved for a card?

If you decide to complete an application we'll carry out a full credit check and confirm whether you've been approved. In some circumstances, we may need some additional information and we'll let you know if this is the case. When making our decision, we'll take into account your age, status and financial background. Before you apply, check the following statements are true:

  • I am aged 18 years or over (the same goes for any additional cardholders).
  • I am a UK resident.
  • I have a UK bank or building society account.
  • I have good credit history.
  • I have an income of at least £7,000, or my household income is at least £15,000.
  • I have not made a previous application for another credit card issued by Virgin Money in the last 6 months.

You won't be approved if you are bankrupt or in an IVA, and it is unlikely that you'll be approved if you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experian for a copy of your credit file.

What's my credit limit going to be?

We cannot confirm your credit limit until you have completed an application for a Virgin Atlantic Credit Card. Once you have been approved you will be given your credit limit and this is based on your personal circumstances.

How long will it be before I hear?

We aim to tell you if we have approved your application straightaway. Sometimes, we may need to ask you for a few more details first – if we do, we’ll let you know immediately after you’ve made your application, then get in touch to request the additional information from you.

When will I receive my card?

If we approve your application, we’ll send your Virgin Atlantic Credit Card to you within 7 working days. If you'd like to ask us any questions in the meantime, you can call us on 0800 876 6656. We are here from 9am to 5:30pm, Monday to Friday.

Can I cancel the agreement if I change my mind?

You can with withdraw from your agreement within 14 days from the day after you receive your Virgin Atlantic Credit Card.

You can do this by writing to us at:

Virgin Atlantic Credit Cards
PO Box 10609
Wigston
LE18 9HA

You can also call us on 0800 085 3210. We are here 24 hours a day, 7 days a week.

Remember, you must repay any balance and interest within 30 days of the date you tell us you want to cancel your agreement. You will not have to pay any other charges and you can repay your balance in full at any time.

If you wish to cancel the agreement outside of the cooling off period you will need to call our Customer Services Helpline on 0800 085 3210. Please note – your account must have a zero balance.

About the card

How do I activate my card?

There are a few ways you can activate your Virgin Atlantic Credit Card.

The easiest way to activate your credit card is by logging into Online Services and selecting ‘activate your card’ on the transactions tab and following the instructions on the screen.

Calling our Customer Service Helpline on 0800 917 7491 and using our automated service or by speaking to one of our Customer Service Advisors. We are here 24 hours a day, 7 days a week.

Can I use my Virgin Atlantic Credit Card abroad?

Yes, you can use your card at over 20 million shops, restaurants, petrol stations and over 1 million cash machines in most countries throughout the world.

But don’t forget if you use your Virgin Atlantic Credit Card to make purchases abroad you may be charged a Non-Sterling Transaction Fee. And if you need some emergency cash, remember to factor in the normal Cash Advance fee too.

For more information on using your credit card abroad, you can call us on 0800 085 3210. We are here 24 hours a day, 7 days a week.

Please tell us before using your card abroad otherwise our account monitoring systems might decline your transactions. Please note we may still require the merchant to contact us to authorise a transaction.

If you'd like to speak to us while you’re abroad just call +44 191 284 9064 and ask the operator to reverse the charges.

When is my first payment due?

Your first payment will be due 20 days after your first statement is produced, you will receive an e-mail when your first statement is ready to view online. Alternatively, you can arrange paper statements by logging into your online service or by calling our Customer Service Helpline on 0800 085 3210. We are here 24 hours a day, 7 days a week.

How do I get a statement?

Your statement will be available online. As it is not being sent in the post we'll send you an email to let you know when your statement is ready to view online. Once you've received and activated your new Virgin Atlantic Credit Card, you'll need to register for Online Service to view your paperless statements. If you’d prefer to receive paper statements in the future, you can change your options when you sign in to our Online Service.

How do I make a payment?

Direct Debit

You can make payments by Direct Debit on a monthly basis, the Direct Debit will collect on your monthly due date. You have the option to pay the minimum payment, a regular fixed payment or the full statement balance. Please remember your Direct Debit will be collected regardless of any additional payments made. You can set up or amend a Direct Debit online by logging on to Online Service or calling one of our Customer Service advisors.

Please note – If a statement has already been produced and you set up a Direct Debit online, the Direct Debit will not take effect until the following month.

Debit Card

You can make a one-off debit card payment through our Online Service by choosing ‘Payments’ from the menu, then ‘Pay by Debit card’ and following the instructions on screen. If you would prefer to make a payment by debit card over the phone, just call us on 0800 085 3210 and you can use our automated phone service. We are here 24 hours a day, 7 days a week. Please make payments at least three business days before payments are due. Your payment will be applied to your account the next business day. Business days are Monday to Friday, 9am to 4pm, except for bank holidays or public holidays.

By Post

To make a payment by post, please send a cheque payable to 'Virgin Money plc’ and include your 16-digit Virgin Atlantic Credit Card number in the payee line. Write your full name and address on the back of the cheque and send it to:

Virgin Money Credit Card
Thynne Street
Bolton
BL11 1BH

Please note – we are unable to accept cash payments by post.

Using your bank account

To make an electronic payment you will need to use sort code 40-64-25, bank account number 41320424 and quote your 16 digit Virgin Atlantic Credit Card number as the payment reference. If the payment is made by Faster Payment the funds will be added to your account within two hours of receipt of the funds.

Flying Club

What is Flying Club?

Flying Club is Virgin Atlantic's loyalty programme where you’ll enjoy:

  • Miles earned every time you take a revenue flight with Virgin Atlantic.
  • Miles earned every time you make a purchase with your Virgin Atlantic Credit Card.
  • A fantastic range of rewards to spend your miles on including flights, upgrades and so much more.
  • Partners from around the globe to earn and spend with.
  • Earning tier points every time you fly. The more you fly, the more tier points you’ll earn, and the more rewarding it becomes as you soar up through the tiers.

How do I earn Flying Club miles with my cards?

Miles are earned for every £1 spent on card purchases. You won’t earn miles on any cash transactions, balance transfers or money transfers.

With a Virgin Atlantic Reward Credit Card you'll earn 0.75 miles for every £1 you spend. Or, if you have chosen the Virgin Atlantic Reward+ Credit Card with a £160 annual fee, you'll earn 1.5 miles for every £1 you spend.

Every time you spend direct with Virgin Atlantic and Virgin Holidays either over the telephone or online you'll also earn double Flying Club miles. Spend in Virgin Holidays retail stores does not qualify for double miles.

We calculate the miles earned on each transaction, including miles on parts of £1 spent. This total amount is then rounded up to the nearest whole mile and added to your Flying Club account within 5 days of your monthly statement.

Please note, you must have provided Virgin Money with a valid Flying Club number in the name of the main account holder to earn your Flying Club miles.

How do I qualify for my credit card rewards?

When you spend £10,000 worth of purchases on your Virgin Atlantic Reward+ Credit Card, or £20,000 worth of purchases on your Virgin Atlantic Reward Credit Card, within twelve months of your account opening anniversary date, you’ll be eligible to receive a Virgin Atlantic credit card reward to your Flying Club account. Choose from upgrades or companion tickets. And if you’re a Gold or Silver member, you’ll have the option of Clubhouse passes.

The minimum spend amount needs to be on card purchases. Any balance transfers, money transfers or cash transactions will not count towards the total spend amount.

Full terms and conditions  Link opens in a new window

What are the credit card rewards I can choose from?

Flying Club Red members can choose one reward from:

  1. A Premium upgrade. Spend your miles for an Economy cabin reward flight and receive an upgrade to Premium with no additional miles required.
  2. A companion reward ticket in Economy. Spend your miles for a reward booking in Economy and take one companion with you in the same cabin for no additional miles.

Flying Club Silver members can choose one reward from:

  1. A Premium upgrade. Spend your miles for an Economy cabin reward flight and receive an upgrade to Premium with no additional miles required.
  2. A companion reward ticket in Economy or Premium. Spend your miles for a reward booking in Economy or Premium, and take one companion with you in the same cabin for no additional miles.
  3. One Clubhouse pass allowing access to our London Heathrow or London Gatwick Clubhouse when flying with Virgin Atlantic. Each pass provides access to one person on one occasion. No additional guests can be permitted.

Flying Club Gold members will be eligible to choose one reward from:

  1. A Premium upgrade. Spend your miles for an Economy cabin reward flight and receive an upgrade to Premium with no additional miles required.
  2. A companion reward ticket in Economy, Premium or Upper Class. Spend your miles for a reward booking and take one companion with you in the same cabin for no additional miles.
  3. Two Clubhouse passes allowing access to our London Heathrow or London Gatwick Clubhouses. Each pass provides access to one person on one occasion. No additional guests can be permitted.

Full terms and conditions  Link opens in a new window

How do I add my Flying Club number to my credit card account?

The easiest way to add your Flying Club number to your credit card account is to enter it when asked during the application.

You can still tell us your Flying Club number once your account is opened, just give us a call on 0800 085 3210.* Don’t worry, any miles you’ve already earned will still be added to your Flying Club account after your next statement.

We will attempt to verify the Flying Club number you give us, to make sure the account belongs to you. So please make sure the details in your Flying Club account match those you give us during your credit card application.

*Calls to 0800 numbers are free from personal mobile phones and residential UK landlines. Calls will be monitored and recorded.

Balance and money transfers

What is a balance and a money transfer?

A balance transfer allows you to move part or all of the balance of another credit card or store card to your Virgin Atlantic Credit Card.

A money transfer allows you to transfer funds from your Virgin Atlantic Credit Card straight into your bank or building society account.

You will not be able to transfer a balance from another card we issue and you cannot use your card to repay a loan, overdraft or mortgage issued by Virgin Money.

How much is the transfer fee?

If you make a balance or money transfer within 60 days of your account opening then you will pay a 3% handling fee on the amount you wish to transfer. If you make a balance or money transfer outside of the 60 days then you will pay a 5% handling fee on the amount you wish to transfer.

How long do transfers take?

Usually, it takes 2 – 3 working days to transfer funds from a Virgin Atlantic Credit Card following an accepted application. We may need to complete some necessary additional checks, this may slightly increase the time it takes for the transfer to complete.

Interest and charges

How is interest charged on my Virgin Atlantic Credit Card?

We charge interest on all transactions, fees and on any unpaid interest. The interest charged is depending on the transaction type and you can find the relevant rate for each transaction on the back of your statement.

We will not charge interest on Card Purchases and related fees, as long as you pay the full balance shown on your statement by the Payment Date. If the full balance is not paid then we will charge interest each day on all transactions, fees, unpaid interest and on any other amounts (including any annual card fee), from the date they are added to your account until you pay them off in full.

We will add interest to your account on the statement date each month and that interest forms part of your outstanding balance.

When will I be expected to pay an annual card fee?

Any annual card fee that is associated with your credit card will be required to be paid as part of your first minimum payment. Your first payment will be due 20 days after your first statement is produced, you will receive an e-mail when your first statement is ready to view online.

Each subsequent annual card fee will be added to the account on or around the anniversary of the account opening date and will be required to be paid as part of your minimum payment.

Contactless payments and security

Is it a secure chip and PIN card?

Yes – every card comes with chip and PIN built in, giving you the most up-to-date protection against card crime.

Having a PIN makes it harder for anyone else to use your card if it gets stolen or lost.

When you get your card, your PIN will follow separately. You then have the option of changing your PIN to one you find easier to remember.

What is contactless?

Contactless payments let you pay for items of up to £30 or less without having to key in your PIN, making shopping for everyday items so much simpler. Just look out for the contactless symbol when making a payment.

How does contactless work?

Contactless payments are quick and easy. Here's what you need to do:

  1. Tell the retailer you'd like to pay with your contactless Virgin Atlantic Credit Card.
  2. Hold the card against the terminal.
  3. Wait a second or two until you see the green light or hear a beep.
  4. Off you go – if you need a receipt, just ask the retailer for one.

Are contactless payments secure?

Yes. Contactless payments put you in control because your card never leaves your hand. For added security, you'll occasionally be asked to enter your PIN. And just like chip and PIN transactions, you won't be liable for any fraudulent contactless transactions made with your card.

If your card is lost or stolen, you'll incur no liability for fraudulent use of your card provided you notify us as soon as you realise your card is missing, or you notice any unusual transactions on your account.

If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period. When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.

You will not be able to transfer a balance from another credit card issued by Virgin Money and should not use your card to repay other borrowing from Virgin Money.

Credit is available, subject to status, only to UK residents aged 18 or over.

Calls are charged at your service provider's prevailing rate and may be monitored and recorded.

The Virgin Atlantic Credit Card is issued by Virgin Money plc - registered in England and Wales (Company No: 6952311). Registered office - Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Virgin Money plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Virgin Money adheres to The Standard of Lending Practice which are monitored and enforced but the Lending Standards Board: www.lendingstandardsboard.org.uk  Link opens in a new window

Your copy of the Statement of Lender and Borrower Responsibilities  Link opens in a new window