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Add what goes on the credit card. See how much of each fortnight’s pay to move across so the card is paid off in full.

Your pay and card

Take-home pay per fortnight ($)

Balance already on card ($)

Interest rate (% p.a.)

Pay off balance over (fortnights)

Safety buffer (%)

Starts with the Flyer card’s earn rate from 1 October 2026. Change any number if your own terms differ.

Points per $1, up to the cap

Cap per statement ($)

Points per $1, above the cap

Value of a point (cents)

Spent directly with Virgin Australia per statement ($)

Extra points per $1 at Virgin Australia

Annual fee ($)