Stuck with an old credit card that's not earning you points like it used to?
Then take a look at these top Virgin Australia credit card offers from American Express Australia, Westpac and Virgin Money, with up to three Velocity points to be earned per dollar spent and up to 100,000 Velocity points up for grabs from a single card application.
What's more, American Express Australia has recently tweaked its sign-up rules, so if you already have a credit card direct from AMEX Australia, you can still earn bonus points on a new charge card – and vice versa for charge card customers who don't yet have an AMEX credit card.
Wherever you stand, take a look at this month's top five Virgin Australia Velocity credit card sign-up deals which place over 300,000 Velocity points on the table.
1. American Express Platinum Charge Card
Start the year fresh with a new American Express Platinum Charge Card and earn up to 100,000 bonus Membership Rewards Ascent Premium points, equal to an impressive 100,000 Velocity points when converted on a 1:1 basis.
Those points come in return for paying the card's $1,200 annual fee and charging a further $1,500 to the card within the first three months, wherever American Express is accepted.
On those purchases, cardholders will also pocket three points per dollar spent at most Australian restaurants; two points per dollar on most travel-related charges and on all overseas spend; 0.5 point per dollar with utilities, most insurers and on government transactions; and one point per dollar everywhere else.
2. American Express Explorer credit card
The American Express Explorer credit card also teased an offer of 100,000 bonus points (now 50,000 points), but in the different Membership Rewards Gateway scheme – equal to 75,000 Velocity points when converted on a 4:3 basis (now 37,500 Velocity points).
There's a $395 annual fee to pay, but which is offset by a $400 travel credit every year to spend on flights and hotels – and after spending $1,500 on the card within the first three months (excluding the annual fee and when redeeming the travel credit), you'll pocket the full bonus of 100,000 (now 50,000) Gateway points.
Spending on this card also attracts the equivalent of 1.5 Velocity points per dollar spent (2 MR Gateway points) – including on utility charges and insurance expenditure for which many other AMEX cards offer fewer points – with government charges instead reeling in 0.375 Velocity points (0.5 MR Gateway points) per dollar spent.
3. American Express Velocity Platinum Card
Taking out the Gold, Silver and Bronze on this month credit card podium, AMEX's Velocity Platinum Card delivers a solid 50,000 Velocity points to eligible new credit card customers, along with a free Virgin Australia domestic return flight every year with a $349 annual fee.
Just spend $1,500 on purchases within the first three months to unlock that bonus, and in addition, you'll also earn three Velocity points per dollar spent at most Australian restaurants and on Virgin Australia flight bookings, uncapped.
Most other travel-related spend such as hotel stays, bookings with other airlines and all overseas charges nets two Velocity points per dollar, while government, insurance and utility payments earn 0.5 Velocity points per dollar and all remaining spend within Australia earning an easy one Velocity point per dollar.
4. Westpac Altitude Black American Express, MasterCard
New credit card customers of Westpac can also pull in in 50,000 Velocity points via the Altitude Black American Express + MasterCard credit card combo, given as 100,000 Altitude Rewards points which convert to Velocity on a 2:1 basis.
Prepare to pay an annual fee of $395 and to spend at least $5,000 on purchases with the first 90 days to activate that bonus. Also be sure to apply for the dedicated (and sometimes hidden) '100,000 Altitude points' deal rather than the lower '50,000 Altitude points' offer as often appears by default.
All purchases made in Australia and overseas using the AMEX earn the equivalent of 1.5 Velocity points per dollar (three Altitude points) – and the same can be said when using the companion MasterCard on abroad – with MasterCard spend in Australia instead accruing 0.625 Velocity points per dollar (1.25 Altitude points).
5. Virgin Money's Virgin Australia Velocity Flyer Card
Virgin Money makes this month's 'top five' with 40,000 Velocity points on the table alongside a new Virgin Australia Velocity Flyer Card: yours for $129 per year.
But be quick: applications must be lodged by January 16 2017 and must be for 'promotional offer 3': giving you 10,000 bonus Velocity points in each of the first four months when you spend at least $1,500 on the card in that particular month.
Everyday spend also attracts 0.66 Velocity points per dollar on the first $1,500 charged each month and 0.5 Velocity points per dollar thereafter. All spend direct with Virgin Australia, such as on flight bookings in Australian dollars, instead earns one Velocity point per dollar (uncapped), which doesn't contribute to the regular monthly spending tally.
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