Website terms and conditions

Virgin Money Australia, a division of Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 ("BOQ"), promotes and distributes the Virgin Money Credit Cards ("Credit Cards"). National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the credit provider and issuer of Credit Cards. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the products. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.


Please read these terms and conditions carefully. By accessing Virgin Money Online, (, including any of the webpages located at that domain name ("Website"), you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this Website. These terms and conditions apply to your use of the Website together with any additional terms and conditions for any financial and credit products offered by NAB that may be relevant to you. These terms and conditions should be read in conjunction with the terms and conditions applying to those financial and credit products offered by NAB and those terms and conditions will prevail to the extent of any inconsistency (including in relation to the exercise of any rights or discretions that are also governed by those terms and conditions).

NAB, Citi and Virgin Money do not endorse the use of cloud based financial management software providers and you must not disclose any internet services login details to such providers. NAB, Citi and Virgin Money shall have no liability for any losses arising as a consequence of your use of such services.


This Website, is the property of Citi, a member of the Citigroup global financial group headed by Citigroup, Inc., incorporated in the US. Citi operates this Website on behalf of NAB.


Copyright in the information and material displayed on this Website, and in their arrangement ("Material"), is owned by NAB unless otherwise indicated. You may download a single copy of the Material and where necessary for reference purposes, keep a temporary copy in your computer's cache and make a single hard copy of the Material. You may make such other use of the Material as is otherwise expressly authorised on this Website. Unauthorised use of the Material may violate copyright laws.


"Citi", "Citibank", "Citigroup", the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

Nothing displayed on the Website should be interpreted as granting any rights to use or distribute any names, logos, trademarks or service marks without the express written agreement of Citigroup Inc.

Use of the Material

The Material and the terms, conditions, and descriptions that appear on this Website, are subject to change. Unauthorised use of NAB websites and systems including but not limited to unauthorised entry into NAB systems, misuse of passwords, or misuse of any information or material posted on a website is strictly prohibited. NAB may terminate this agreement and NAB, Citi or Virgin Money may suspend or terminate your access to the Website at any time without notice, acting reasonably. For example, NAB may do so to prevent potential fraud or scam activity, a potential breach of law, or to protect NAB's systems, or where it is reasonably necessary to protect you or NAB from suffering financial loss. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by NAB and/or its affiliates. If your access to the Website is suspended or terminated you may receive error messages when you attempt to access the Website (but it may not be the only reason you receive error messages). Please refer to the Contact Us page ( if you need to speak to us about whether your access has been suspended or terminated.

The provision of the Material to you is subject to the reliability and availability of third party service providers, including software providers and network service providers. NAB, Citi and Virgin Money will not be liable for any direct or indirect loss suffered by you as a result of reduced service levels caused by a third party, except where this is caused by NAB, Citi or Virgin Money's fraud, negligence or misconduct. The Material may be unavailable from time to time and temporary service interruptions may occur. In the event you need to access the Material while it is unavailable, please refer to the Contact Us page ( for alternate options.

Changes to the Material and these terms and conditions

NAB can make changes to these Terms and Conditions and the Material at any time.

NAB will try to provide you with prior notice of any changes, however there may be certain circumstances where this is not possible, for example where we need to immediately restore or maintain the security of NAB's systems, or where we need to prevent criminal or scam activity or fraud.

NAB will notify you of changes to these Terms and Conditions and/or the Material by alerting you when you next access the Website.


This Website may contain links to websites controlled or offered by third parties (non-affiliates of NAB Citi or Virgin Money or any of their subsidiaries). NAB, Citi and Virgin Money disclaim liability for, any information, materials, products or services posted or offered at any of the third party websites linked to this Website, except to the extent of NAB, Citi or Virgin Money's fraud, negligence or misconduct. By creating a link to a third party website, NAB, Citi and Virgin Money do not endorse or recommend any products or services offered or information or material contained at that website, nor is NAB, Citi or Virgin Money liable for any failure of products or services offered or advertised at those websites. If you elect to link to a third party website, you will become subject to the third party’s privacy policy, which will be different from that of NAB, Citi and Virgin Money and the third party websites may provide less security than this Website.

No warranty

The Material, including text, graphics, links or other items on this Website, are provided "as is", "as available". To the extent permitted by law NAB, Citi and Virgin Money expressly disclaim liability for errors or omissions in the Material which are beyond their reasonable control. Except for warranties which cannot be excluded at law, no warranty of any kind, implied, express or statutory including but not limited to the warranties of non-infringement of third party rights, title and freedom from computer virus, is given in conjunction with this Website, and the Material.

Limitation of liability

To the extent permitted by law (or its own fraud, negligence or misconduct), neither NAB, Citi nor Virgin Money will be liable for any loss or damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this Website or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if NAB, Citi or Virgin Money, or their representatives, are advised of the possibility of such damages, losses or expenses. To the extent permitted by law, liability under any condition or warranty which cannot be legally excluded is limited at NAB’s option to replacement or resupply of goods or services or payment for the same.


All information submitted via this Website will be deemed and remain the property of NAB and NAB will be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this Website provides NAB through this Website. Nothing contained in these terms and conditions will be construed as limiting or reducing the responsibilities and obligations to customers in accordance with the privacy policy of NAB, Citi or Virgin Money located at:


This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional terms

Certain sections or pages on this Website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern those sections or pages.

Governing law

These terms and conditions are governed by and construed in accordance with the laws of New South Wales, Australia.

Disclaimer – Individuals resident in the EU, EEA, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and the UK.

The products and services mentioned in this Website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This Website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.