Thursday, January 24News That Matters

Most effective Virgin Australia Velocity credit card discounts for January 2019 – Australian Small business Traveller


Getting the New Yr off to a rewarding commence could just be the ticket to that next absolutely free flight or up grade to business enterprise course, and there is certainly no scarcity of methods to improve your Virgin Australia Velocity factors balance this month, with up to 205,000 bonus Velocity factors on offer from a solitary card software, and shut to a million factors on the table throughout these leading features alone.

For all those in the current market for a new personal credit card, listed here are January 2019’s highest bonus factors discounts on standard, personal credit and cost playing cards from issuers which include American Categorical, ANZ, Citibank, St.George, Virgin Cash and Westpac.

one. Citi Prestige Visa Infinite + optional Connected Diners Club Card

Using out the initial gold medal of 2019 with a stable offer of up to 410,000 Citibank Rewards factors – that is up to 205,000 bonus Velocity factors at Citibank’s present 2:one conversion level – the Citi Prestige Visa Infinite Credit history Card with its optional Connected Diners Club Card.

With or without having that Connected Diners Club Card, qualified new Citi Prestige customers could qualify for up to 400,000 bonus Citibank Rewards factors when making use of by March 31 2019 and shelling out at minimum $one,000 on buys in each individual regular assertion period of time for the initial 20 months, as this bonus is delivered as 20,000 factors per qualified month, for the grand total of 400,000 Citibank Rewards factors when that journey is full.

Boosting all those bonus factors even even more, new customers who ask for the Connected Diners Club Card throughout the software approach can also acquire a individual 10,000 bonus Citibank Rewards factors right after their initial Connected Diners Club Card expend in just 90 days of approval. Make complete use of both of those features and that is a grand total of up to 410,000 bonus Citibank Rewards factors, truly worth a significant 205,000 bonus Velocity factors at the present 2:one conversion level for Prestige cardholders.

A $seven-hundred once-a-year charge applies to the Prestige account, whether or not the Connected Diners Club Card is attached – so there is certainly no extra price tag to decide-in for the two-card combo, and that Connected Diners Club Card also arrives with no intercontinental transaction costs on overseas buys and an uncapped gain level of 2 Citibank Rewards factors (=one Velocity point) per $one of qualified expend, both of those at residence and overseas.

Buying using the Visa offers factors at varying fees of between one and three Citibank Rewards factors per $one expended (equivalent to .five-one.five Velocity factors) on qualified buys, but be knowledgeable that factors are not awarded on authorities or authorities-linked transactions on both card, this sort of as on ATO payments, and that intercontinental transaction costs of three.4% use to Visa expend.

2. Citi Rewards Signature Visa + optional Connected Diners Club Card

Tempting with an offer at this time truly worth up to 155,000 bonus Velocity factors, the Citi Rewards Signature Visa credit card when paired with that optional Connected Diners Club Card.

Once again, with or without having the Connected Diners Club Card, Signature-level customers can gain fifteen,000 bonus Citibank Rewards factors per month in each individual of the initial 20 months, when making use of by March 31 2019 and shelling out $one,000 or a lot more in each individual assertion period of time. That’s up to 300,000 bonus Citibank Rewards factors when hitting all those regular targets.

Request the Connected Diners Club Card throughout the software approach and expend on it in just 90 days of approval to gain a even more 10,000 bonus Citibank Rewards factors, providing up to 310,000 bonus Citibank Rewards factors overall, at this time equivalent to 155,000 Virgin Australia Velocity factors when converted at a 2:one level.

You will find also at this time a lowered once-a-year charge of $195 in the initial year, and in long term years, you would fork out both $197.50 wherever $forty eight,000 is expended in the prior year: or else, the charge is $395. You will find once again no extra cost for keeping the Connected Diners Club Card, which offers the identical earning level (2 Citibank factors per $one) and rewards (e.g. no intercontinental transaction costs) as offered to Prestige cardholders.

As for the Visa Signature card, you can gain one-2 Citibank Rewards factors (.five-one Velocity factors) per $one expended on qualified buys, excluding items like authorities and authorities-linked payments.

three. Virgin Australia Velocity Substantial Flyer Card, Citi Rewards Platinum Visa, AMEX Platinum

With a big difference of less than 10,000 bonus Velocity factors between them, the Virgin Australia Velocity Substantial Flyer Card, the Citi Rewards Platinum Visa and the personal American Categorical Platinum Demand Card get out 3rd position, with features equivalent to 80,000-90,000 bonus Velocity factors – here is what you have to have to know for each individual card.

Virgin Cash: Providing up to 90,000 bonus Velocity factors, qualified new customers can use by January 31 2019, and get residence 30,000 bonus Velocity factors per month in each individual of the initial 3 months wherever at minimum $three,000 is expended on the card each and every month: up to 90,000 bonus Velocity factors at the finish of month 3.

In return for its $289 once-a-year charge, the Virgin Australia Velocity Substantial Flyer Card also gives 1 Velocity point per $one expended on qualified buys up to $eight,000/month, reverting to .five/$one thereafter (no factors on authorities payments), and also involves a $129 Virgin Australia present voucher each individual year moreover two Virgin Australia lounge passes to assist offset that annually cost.

Citibank: Apply for the Citi Rewards Platinum card (with or without having the Connected Diners Club Card) by March 31 2019 and get 10,000 bonus Citibank Rewards factors per month in each individual of the initial 20 months when shelling out at minimum $one,000 per assertion period of time, for up to two hundred,000 bonus Citibank Rewards factors: truly worth up to 80,000 Velocity factors following a 2.five:one conversion below Citibank’s Platinum program.

You can also get residence a even more 4,000 bonus Velocity factors (10,000 Citibank Rewards factors with a 2.five:one conversion) by requesting that Connected Diners Club Card throughout the software approach and creating your initial Connected Diners Club Card expend in just 90 days of approval, providing you up to eighty four,000 bonus Velocity factors in total.

American Categorical: Apply as an qualified new consumer and expend $three,000 in just the initial 3 months, to gain 80,000 bonus Membership Rewards Ascent Premium factors, at this time equivalent to 80,000 Velocity factors right after a one:one conversion.

An once-a-year charge of $one,450 applies, despite the fact that right until April fifteen 2019, you can gain up to 3 Velocity factors per greenback expended on buys (this sort of as at a lot of AMEX-accepting dining places in Australia, wherever factors are awarded at the highest level), despite the fact that decrease-than-typical earning fees use to coverage, utility and authorities payments.

From mid-April, variations to the card’s earning and conversion fees going forward will deliver the equal of one.one hundred twenty five Velocity factors per $one expended on all buys, except authorities transactions which will proceed to gain the equal of .five Velocity factors per $one expended.

The conversion level from Membership Rewards Ascent Premium to Velocity will also be amended from one:one to 2:one from the identical date, so you will want to transfer your factors throughout to Velocity right before the new level kicks in, to stay clear of your current factors getting rid of 50% of their value.

Read: American Categorical overhauls credit card repeated flyer factors

4. American Categorical Westpac Altitude Black Bundle, ANZ Rewards Black, Virgin Australia Velocity Flyer Card

Just take residence a bonus truly worth up to 60,000 Velocity factors as a result of the American Categorical Westpac Altitude Black Bundle, ANZ’s Rewards Black Visa, or Virgin Money’s Virgin Australia Velocity Flyer Card.

With Westpac, that card bundle offers you with both of those a Westpac Altitude Black Mastercard (issued and serviced by Westpac), and an American Categorical Westpac Altitude Black Card (issued and serviced by American Categorical), and each individual card arrives with its possess signal-up bonus factors offer.

For starters, when you use for the bundle by April 2 2019, decide for the Altitude Rewards program and expend $three,000 on qualified buys in just 90 days of card approval using the Altitude Black Mastercard, you can gain 80,000 bonus Altitude Rewards factors, equivalent to forty,000 Velocity factors by means of Velocity Auto-Redemption. This card carries a $250 once-a-year charge.

You can also nab forty,000 bonus Altitude Rewards factors (truly worth 20,000 Velocity factors by means of Velocity Auto-Redemption) when shelling out $three,000 on qualified buys in just the identical 90-day period of time using the American Categorical Westpac Altitude Black Card, providing you up to 60,000 bonus Velocity factors overall if finishing both of those features. This card draws in a $199 once-a-year charge.

Through present-day Altitude Rewards program with Velocity Auto-Redemption enabled, shelling out on the American Categorical Westpac Altitude Black Card also offers the equal of 2.five Velocity factors per A$one expended on buys in foreign forex .five Velocity factors per $one expended on authorities payments in Australia and one.five Velocity factors per $one expended everywhere you go else: although the Altitude Black Mastercard functions an gain level equivalent to .625 Velocity factors per $one expended (with some exceptions this sort of as ATO payments).

Also go through: Maintaining your Westpac Altitude Rewards credit card factors flowing in past 2018

Over at ANZ, the bank’s hottest offer serves up one hundred twenty,000 bonus ANZ Reward Details and $100 again to your new ANZ Rewards Black card when you use and expend $7,five hundred on qualified buys in the initial 3 months.

When converted from ANZ Rewards to Velocity at a 2:one level, that bounty is equivalent to 60,000 bonus Velocity factors. You will find a Full Once-a-year Price of $375 – lowered in ‘cost’ in the initial year, of study course, right after taking into account the $100 again on your assertion – and as a result of the bank’s rewards plan, you can gain up to 1 Velocity point per $one expended.

That’s reached by accruing two ANZ Reward Details per $one expended on qualified buys (up to and which include $five,000 per month), furnishing 1 Velocity point per $one expended right after conversion, then 1 ANZ Reward Position per $one expended on qualified buys over $five,000 per assertion period of time, equivalent to .five Velocity factors per $one expended, uncapped.

If not, Virgin Money’s Virgin Australia Velocity Flyer Card is at this time providing 20,000 bonus Velocity factors in each individual of the initial 3 months for customers who use by January 31 2019 and expend at minimum $one,five hundred in each individual assertion period of time, totalling 60,000 bonus Velocity factors at the finish of the 3rd month.

You will find also a lowered once-a-year charge of just $sixty four in the initial year ($129 ongoing): good value offered the card involves a $129 Virgin Australia flight voucher each and every year, which include year 1. Paying on the card also offers .66 Velocity factors per $one expended up to $one,five hundred per month and .five Velocity factors thereafter, except on authorities and authorities-linked payments. 

five. St George Amplify Signature Visa, American Categorical Velocity Platinum

St George: A bonus of 50,000 Velocity factors is offered by means of an on the net exceptional offer for the St.George Amplify Signature Visa with Amplify Details.

Simply use on the net by January 23 2019 and expend $4,000 on qualified buys in the initial 90 days to gain 100,000 bonus Amplify Details (converted to Velocity at a 2:one level, to acquire 50,000 bonus Velocity factors), and with no once-a-year card charge in the initial year: at this time a $279 preserving. 

American Categorical: Collect a decent 50,000 bonus Velocity factors on the American Categorical Velocity Platinum Card, when you use on the net and expend $three,000 in qualified buys in just the initial 3 months.

You are going to also gain one.five Velocity factors per greenback right until fourteen April 2019, then lowering to one.twenty five Velocity factors per greenback later on with no cap.

Read: Baffled about AMEX’s credit card variations? Here’s how they have an affect on you


Among the the a lot of other personal credit card features floating close to ideal now, there is certainly also:

forty,000 bonus Velocity factors with ANZ’s Rewards Journey Adventures Visa (use and expend $five hundred on qualified buys in the initial three months of card approval, with the card also which include a absolutely free return Virgin Australia domestic flight each and every year, lounge entry, and no intercontinental transaction costs).

Up to 37,five hundred bonus Velocity factors by means of the American Categorical Westpac Altitude Platinum Bundle: use by April 2 2019, choose Altitude Rewards and expend $three,000 on buys using the Altitude Platinum Visa in just 90 days of card approval to gain the equal of 30,000 bonus Velocity factors, and also expend $three,000 on buys using the American Categorical Westpac Altitude Platinum Card in just the identical time frames to gain the equal of 7,five hundred bonus Velocity factors (both of those by means of Velocity Auto-Redemption), with no once-a-year charge to fork out on the Visa in the initial year ($a hundred and fifty thereafter). The AMEX draws in a $forty nine once-a-year charge.

37,five hundred bonus Velocity factors from the American Categorical Explorer Card (apply and expend $three,000 on qualified buys in the initial 3 months to earn 50,000 bonus Membership Rewards Gateway points – equivalent to 37,five hundred Velocity factors when converted at a 4:three level right before April fifteen 2019. It variations to a 2:one level right after this date, properly lowering your factors value to twenty five,000 Velocity Details.

37,five hundred bonus Velocity factors from the ANZ Rewards Platinum Visa (use and expend $five,000 on qualified buys in the initial 3 months to gain seventy five,000 bonus ANZ reward factors – equivalent to 37,five hundred Velocity factors when converted at a 2:one level – with a total once-a-year charge of $95 and an gain level truly worth up to .seventy five Velocity factors per $one expended.

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