If you accept this offer, your credit contract will continue on the same Terms and Conditions as your existing Virgin Australia Velocity Flyer credit card. This does not constitute a new credit contract. This upgrade is subject to your Account remaining in good order as per the credit card Terms and Conditions at the time of processing. Your new Virgin Australia Velocity High Flyer credit card will replace your existing Virgin Australia Velocity Flyer credit card. You must activate your new card before you can start using it. The Primary Cardholder is required to activate their card before any Additional Cardholder cards can be successfully activated. Your PIN will remain the same and you can continue to use it with your new card once it is activated. Once you have activated your Virgin Australia Velocity High Flyer Card and signed the strip on the reverse side of the Card, make sure you securely destroy your existing Virgin Flyer credit card.

1. Velocity points only earned on Eligible Transactions. Eligible Transaction means any Retail Purchase which is made by the use of a Card or any other means permitted by us, excluding (but not limited to) Transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, interest charges, government charges, insurance charges, payments to loan accounts, purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. 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, available at velocityfrequentflyer.com, as amended from time to time.

2. Complimentary Insurance are provided automatically to Virgin Australia Velocity High Flyer cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and Exclusions. An excess applies to Purchase Cover Insurance. Transit Accident Insurance and Guaranteed Pricing Scheme are provided automatically to Virgin Australia Velocity High Flyer and Virgin Australia Velocity Flyer cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and Exclusions. Visit virginmoney.com.au for details.

3. Offer valid for Primary Cardholder and one Guest booked and travelling together in the same fare class. The offer provides 50% off the base fare component of a domestic Virgin Australia Saver Fare (which excludes taxes, Booking and Service fees) for the Primary Cardholder and one Guest when flying together (excludes sale fares). Limit of 4 sectors a year. Taxes and fees to be covered by Primary Cardholder. Guest Contact Centre fees do not apply. See virginaustralia.com/fees for full details on taxes and fees. Offer valid on new bookings made via the Guest Contact Centre at least 30 days before travel and paid with an eligible Virgin Australia Velocity Credit Card and/or Virgin Australia vouchers. Seats are subject to availability which may be limited at peak times such as weekends, Christmas or School Holidays. Flight availability and fare prices advertised on the Virgin Australia website are not indicative of real-time availability or costs. Contact the Virgin Australia Guest Contact Centre for costs and availability for your travel dates. See further Terms & Conditions.

Virgin Money (Australia) Pty Limited ABN 75 103 478 897 distributes the Virgin Money credit cards ("credit cards") under an arrangement with Citigroup Pty Ltd ABN 88 004 325 080 AFSL No. 238098, Australian credit licence 238098 ("Citibank"). Citibank is the credit provider and issuer of the credit cards.