Hi guys, I think there are quite few threads about the Virgin credit card.

Am I correct to assume this card gives best rewards rate for a visa or master card? That is every $1 per 1.25 points. However, the annual fee is also bit high and they even charging for additional card holder too. In addition, that 4 free flights per year deal is also bit confusing, does the new Virgin Australia still have sale fare? How does everyone rate this card? Does anyone have this card?

Apart from the Woli card, what other master/visa card also offers $1 per point?