Best cards for Velocity Frequent Flyer points
Independent
Ways to build Velocity Points with an Australian credit card — cards that earn the currency directly, plus flexible bank points that can transfer in.
Last updated
Direct earners
1
Transfer-in routes
5
Top earn rate
1.25 pt/$
Velocity Points come from flying Virgin Australia, a solid set of earning credit cards, the Flybuys supermarket ecosystem (Coles), and transfers from flexible bank currencies. The Flybuys link makes Velocity unusually easy to top up from everyday grocery spend.
Earns Velocity Points directly
Flexible points that may transfer in
These earn transferable bank points. Transfer availability and ratios change — confirm with the rewards program before relying on a transfer.
How to pick the right card
- 1.Start with the sign-up bonus.It's usually the biggest points haul of year one — but check the minimum spend and whether you can meet it without buying things you don't need.
- 2.Weigh the earn rate against the annual fee. A higher points-per-dollar rate only pays off if your spend is large enough to outrun the fee.
- 3.Decide: direct or flexible. Earning Velocity Points directly is simplest; earning transferable bank points keeps your options open if your plans (or Velocity Frequent Flyer's value) change.
- 4.Have a redemption in mind.Points are only worth earning if you'll use them — check what Velocity Points actually books before you apply.
Frequently asked
- What's the best credit card for Velocity Frequent Flyer points in Australia?
- The fastest route is a card that earns Velocity Points directly — there is 1 in our list, earning up to 1.25 points per $1 spent. The best card for you depends on the annual fee, sign-up bonus and how much you spend.
- Is it better to earn Velocity Points directly or transfer points in?
- Direct-earning cards are simpler and lock you into one currency. Cards that earn flexible bank points keep your options open — you can transfer to Velocity Frequent Flyer or to a different program later — but transfers are one-way and ratios change, so they suit people who value flexibility over simplicity.
- Do sign-up bonuses count toward Velocity Points?
- Yes — a card's sign-up bonus is usually the single biggest chunk of points you'll earn in year one, often dwarfing everyday spend. Weigh the bonus (and any minimum-spend requirement) against the annual fee when comparing cards.