A virtual credit card in Portugal gives you a safe way to pay online — no physical card needed. At Cardwisechoice, we issue your VCC instantly. You get a unique card number, expiry date, and CVV that protect your real account details every time you shop. Whether you're a freelancer paying for tools, a business managing expenses, or someone shopping on global sites, our Portugal virtual credit card works wherever Mastercard is accepted.
Our prepaid card is built for everyday use. Set your own spending limits, lock the card after one purchase, or replace it in seconds if something looks off. Your main account stays hidden — always. From paying subscriptions to booking flights, our virtual credit card covers it all. Non-residents and expats in Portugal can apply too, with no bank branch visit required. Getting a visa card in Portugal has never been this straightforward. Ready to pay smarter? Create your free virtual card with Cardwisechoice today.
How to Get Your CardWiseChoice Virtual Card Instantly
Step-1. Sign Up in Minutes
Create your CardWiseChoice account online. No paperwork. No long forms. No waiting.
Step-2. Get Your Virtual Card Instantly
Your virtual card is ready right away. No approvals. No delays. Just instant access.
Once issued, your virtual card is active right away. You can see the 16-digit card number, CVV, and expiry date in the app and start paying instantly.
Step-3. Pay Anywhere Right Away
Use your card online for subscriptions, ads, or everyday spending. It works in Portugal and beyond.
Available Virtual Card Options You Can Choose From
Best for everyday online payments. This Visa Standard card is a solid option if you want a simple, reloadable card that works across most platforms.
👉 Visa Standard category
👉 Reloadable virtual card
👉 One-time card issue fee: $5 (activation required)
👉 Price: $120 USD
Best for platforms that prefer US-issued cards. This Mastercard is issued under a USA debit BIN, which helps with acceptance on many global platforms and services.
👉 Mastercard virtual card
👉 USA debit BIN 527520
👉 Reloadable
👉 One-time card issue fee: $5 (activation required)
👉 Price: $100 USD
Best for higher spend and US-based merchants. This Visa card is issued in the US and works well for online payments that check card.
👉 Visa virtual card
👉 USA debit BIN 434769
👉 Reloadable
👉 One-time card issue fee: $5 (activation required)
👉 Price: $150 USD
Who Can Get a Virtual Credit Card in Portugal?
Portuguese Residents with a Local Bank Account
Available through major banks and fintech: If you have a bank account with Millennium BCP, Caixa Geral de Depósitos, Santander Portugal, BPI, or a trusted fintech, you can request a virtual credit card with ease.
Basic documents required: Most banks ask for your NIF (tax number) and proof of address. Once approved, you can use your card for online and global payments right away.
Expats and Non-Residents Living in Portugal
No Portuguese bank account needed: Expats can apply through global fintech apps like Revolut, Wise, or N26. These options work well if you are new to Portugal.
Simple ID check: Many providers only ask for a valid passport or national ID and a verified email. We clearly show which options accept non-residents, so you avoid trial and error.
Businesses and Freelancers Operating in Portugal
Business cards for all company types: Sole traders (ENI), LDA companies, and large firms can apply for business virtual cards to manage costs.
Helps control team spending: Most providers require a business number and VAT ID. You can issue cards for staff, pay vendors, and manage online tools without handing out plastic cards.
Best Virtual Credit Card Options in Portugal
Choosing the right virtual credit card in Portugal should be simple. We reviewed the top options to save you time and cut through the noise. We looked at fees, speed, ease of use, and where you can pay. If you want a card that works fast, keeps costs low, and gives you control, here’s how the best options stack up — and why we believe Cardwisechoice leads the way.
Cardwisechoice Virtual Mastercard — Portugal's Smart Choice
Our Cardwisechoice Virtual Mastercard is built for how people in Portugal pay today. You get speed, control, and wide acceptance — without extra fees.
Free to issue: We don’t charge to create your virtual card. Our standard tier has no monthly fee, so you can start at zero cost.
Ready in under 2 minutes: Sign up in our app and your card is issued almost at once. No waiting days for approval.
Made for EUR payments: Pay in euros with no hidden steps. When you shop abroad, you get fair FX rates that help you save.
Works with top digital wallets: Add your card to Apple Pay, Google Pay, and MB WAY for fast, secure checkout in stores and online.
Full spending control: Set per-payment limits, block certain merchant types, or create a single-use card for one purchase. You stay in control at all times.
Accepted almost everywhere: Use it on Amazon, Netflix, Spotify, Booking.com, TAP Air Portugal, and any shop that accepts Mastercard.
Best Virtual Credit Card Options in Portugal: Quick Comparison
| Provider |
Free Virtual Card |
Instant Issuance |
Portuguese IBAN |
Multi-Card Support |
MB WAY Compatible |
| Cardwisechoice |
✅ |
✅ |
✅ |
✅ |
✅ |
| Revolut |
✅ (1 on free) |
✅ |
❌ (free) |
Paid plans |
✅ |
| Wise |
✅ |
1–2 days |
❌ |
Limited |
❌ |
| N26 |
✅ |
✅ |
❌ (DE IBAN) |
Paid plans |
❌ |
| MB NET (CGD) |
✅ |
Near-instant |
✅ |
✅ |
✅ |
How to Create a Virtual Credit Card in Portugal — Step-by-Step
Creating a virtual credit card in Portugal should be fast and simple. We built our process to remove delays and give you control from the start. In just a few steps, your Cardwisechoice virtual card will be ready to use online.
Getting Started with Cardwisechoice
Here’s how to create your virtual Mastercard on our website:
Step-1: Create your account on our website
Sign up with your email, phone number, and Portuguese NIF. Non-residents can use a valid EU ID.
Step-2: Add funds to your account
Top up by bank transfer, MB WAY, debit card, or crypto. We support secure crypto funding with fast balance updates.
Step-3: Create your virtual card
Go to Cards → Create Virtual Card → Select Mastercard.
Step-4: Set your preferences
Choose your spending limit, select EUR or multi-currency, and pick your expiry date.
Step-5: Start using your card right away
Copy the card details for online checkout or add it to Apple Pay or Google Pay. Your card is ready in minutes.
Key Settings to Configure Before Your First Transaction
Before your first payment, we suggest setting smart controls to stay safe:
Set a per-payment limit: For example, €50 for streaming or €500 for travel bookings.
Turn on single-use mode: Perfect for one-time purchases on new or unknown sites.
Lock to a merchant type: Restrict the card to one category, like streaming only.
Enable instant alerts: Get a notice for every payment so you always know where your money goes.
Match expiry to your subscription: Set the card to expire when the service ends to help avoid repeat charges.
Security Features — Why Virtual Cards Are Safer Than Your Physical Card
Your physical card details are at risk every time you shop online. Our virtual cards fix that. Here's how we keep your money safe.
Unique Card Numbers That Shield Your Real Account
Every virtual card we issue has its own 16-digit number, CVV, and expiry date. Your real bank details never leave your account.
If a site gets hacked, only that virtual card number is at risk — not your main account. And if a card is leaked, you can delete it in seconds. No waiting. No calls to your bank.
Spending Limits and Merchant Locks
We let you cap how much can be charged per transaction or per billing period. You can also lock a card to one type of merchant — like SaaS tools only — or block categories you don't want charged at all, like gambling sites.
This stops surprise charges before they happen.
Single-Use (Disposable) Virtual Cards
Turn on single-use mode and the card number expires after one transaction. It's perfect for one-off purchases on sites you haven't used before. Once the payment goes through, the number is gone — no repeat charges, no risk.
Instant Freeze and Card Replacement
See something off? Lock the card in one tap. We'll generate a new virtual card right away — no waiting for a physical replacement to show up in the post. Your other cards and your main account stay untouched.
Two-Factor Authentication and Biometric Access
We protect app access with a PIN, fingerprint, or Face ID. For bigger transactions online, we use 3D Secure (3DS) — an added check that confirms it's really you. And if anything looks wrong, we send a fraud alert to your device straight away.
What Can You Pay for with a Virtual Credit Card in Portugal?
Virtual credit cards work almost anywhere online. You can use them for daily bills, shopping, travel, and business costs. Below are the most common ways people in Portugal use them.
Streaming and Digital Subscriptions
Pay for top streaming services: Use your virtual card for Netflix Portugal, HBO Max, Amazon Prime Video, Disney+, Spotify, Apple Music, and YouTube Premium.
One card per service: Create a separate card for each service. This makes it easy to see what you pay and stop a service fast.
Set expiry to stop auto renew: Match the card expiry date to your plan term. When the card ends, the service can’t charge you again.
Online Shopping — Portuguese and International Stores
Shop on Amazon and EU sites: Pay on Amazon.es and Amazon.co.uk, two of the most used sites by shoppers in Portugal.
Buy from local stores: Use your card at FNAC Portugal, Worten, and El Corte Inglés Portugal.
Extra safety on global sites: Shop on AliExpress, Shein, and eBay with less risk. Your real card data stays safe.
Works worldwide: You can pay at any online store that accepts Mastercard.
Travel Bookings — Flights, Hotels, and Car Rentals
Book flights with ease: TAP Air Portugal accepts virtual Mastercard for ticket purchases.
Reserve hotels and stays: Use your card on Booking.com, Expedia, and Airbnb with no issue.
Car rentals in Portugal: Some firms like Guerin, Europcar, and Hertz Portugal may accept virtual cards for booking.
⚠️ Note: Many rental firms still ask for a physical credit card at pickup for the deposit. Always check before you travel.
Local Portuguese Services
Pay CTT online: Use your card for postal payments on the CTT website.
Health and insurance portals: Pay on NHF, ADSE, and private health cover sites.
City and state fees: Many town halls and state sites accept online card payments.
MB WAY top-ups and transfers: Fund your MB WAY balance or send money to others.
Business and B2B Payments
Pay for SaaS tools: Cover Google Workspace, Microsoft 365, Slack, and Notion costs with a set limit.
Handle supplier bills: Pay vendors online while keeping spend under control.
Set employee spend cards: Create cards with fixed limits for staff expenses.
Manage ad spend: Use virtual cards for Meta Ads and Google Ads. Set caps to avoid surprise charges.
Fees, Limits, and Costs — What to Expect in Portugal
Fee transparency matters in Portugal, especially for users comparing digital payment providers. With Cardwisechoice, the standard virtual Mastercard comes with no issuance fee, €0 monthly maintenance, and no charges for EUR transactions within Portugal or the EU. For non-EUR payments, expect the FX rate plus a small markup (0–1.5% depending on your plan). As a virtual card, ATM withdrawals don’t apply, and replacements are free with instant re-issue. The default per-transaction limit is €2,500 (adjustable), while monthly limits depend on your verification tier. Across providers, watch for inactivity fees, currency conversion markups, credit-card top-up fees, and premium subscription costs for extra features like multiple virtual cards.
Our Virtual Credit Cards for Business Payments in Portugal
We built Cardwisechoice for business owners, freelancers, and growing teams in Portugal who need clear control over company spending. Our virtual cards help you manage employee costs, pay vendors, and track travel without chasing receipts or fixing errors later.
Issuing Virtual Cards to Employees
You can issue a virtual card to each employee in seconds. Set a spending limit that fits their role. Lock the card to certain types of purchases like travel, office supplies, or ads. Every payment shows up in your Cardwisechoice dashboard in real time, so you always know where your money goes. If someone leaves or a project ends, you can revoke the card right away.
Automating Accounts Payable with Virtual Cards
We let you create a unique card number for each vendor. This makes tracking simple. Each payment can include extra data that links to your accounting tools like Xero, QuickBooks, or SAP. You do not need to match invoices by hand. Every card can link to a cost center or project code, which keeps your books clean and saves time each month.
Managing Business Travel Expenses
For work trips, you can issue a card with a fixed budget. Employees can book flights with TAP Air Portugal, reserve hotels, and pay for transport, all within the set limit. There is no need to use personal cards or wait for reimbursement. You see each expense as it happens. When the trip ends, the card expires on its own.
Compliance and Spending Controls for Portuguese Businesses
We help you stay in line with your company rules. Set approval steps for large payments before they go through. Use card limits and category locks to enforce your expense policy. You can also export clear reports to support Portuguese tax filings, including IRS and IRC submissions. With Cardwisechoice, you stay in control and keep your records ready for review.
Our Virtual Cards and MB WAY — How They Work Together in Portugal
In Portugal, MB WAY is part of daily life. Many people use it to pay in stores, split bills, or shop online. We make sure our virtual cards work smoothly with MB WAY, so you can use one system without limits.
Linking a Cardwisechoice Virtual Card to MB WAY
You can add your Cardwisechoice virtual Mastercard to your MB WAY wallet using the card details. Once linked, you can pay with contactless at physical POS terminals across Portugal. You can also send and receive peer-to-peer payments funded by your virtual card balance. MB WAY QR code payments at participating merchants work the same way. Your card powers the payment in the background while MB WAY handles the checkout.
Limitations to Know
MB WAY still requires a Portuguese mobile number to open an account. Some features may also require a linked Portuguese IBAN. Before you rely only on a virtual card, check which services need a local bank account. We give you the tools to pay, but local rules still apply.
Common Mistakes to Avoid When Using a Virtual Credit Card in Portugal
Using a virtual credit card is simple. But small mistakes can lead to failed payments, blocked bookings, or extra fees. We want you to avoid that. Here are the most common issues we see — and how to stay clear of them.
Using a single-use card for a subscription: A single-use card works once. If you use it for Netflix, Spotify, or any monthly plan, the next charge will fail. Use a multi-use card for recurring payments.
Not loading enough funds before a big purchase: If the balance is too low, the payment will decline at checkout. This often happens with flights, hotels, or electronics. Always check the total amount first and load enough to cover it.
Using a virtual card for a car rental deposit: Many car rental firms in Portugal require a physical credit card at pickup. If you enter virtual card details, the booking may not hold. Always read the rental terms before you pay.
Ignoring FX fees on non-EUR sites: When you shop on US Amazon or pay for UK services, the charge may be in USD or GBP. Some cards add high FX markups. Choose a provider with low FX fees so you don’t overpay.
Setting the expiry date too short for yearly plans: If your card expires before your annual renewal, your service will stop. Make sure the expiry date covers the full subscription term.
Sharing card details over messaging apps: Treat your virtual card like a physical one. Don’t send the details through WhatsApp, email, or social media. If someone else gets access, they can use the funds.
A Simple and Smart Virtual Credit Card for Portugal
Our virtual credit card in Portugal makes money simple. It works for expats, students, freelancers, and travelers. You manage everything online. No stress. No branch visits.
Open your account in minutes: Sign up online in just a few minutes. No long forms. No bank visit. Clear English support from start to finish.
100% online, no branches: Use your phone to sign up, send money, track spending, and manage your card. You stay in control at all times.
Start with your NIF: You only need a Portuguese NIF and valid ID. This makes it easy for new arrivals and non-residents in Portugal.
Receive money in different currencies: Get paid in EUR and other major currencies. Keep everything in one place. Great for remote work and online income.
Fair rates outside the Eurozone: When you shop in USD, GBP, or other currencies, you get low FX markups. You keep more of your money.
Save with simple tools: Set aside money in seconds. Track your balance and spending in real time.
Clear view of your spending: See where your money goes. Set limits. Stay on budget with easy tools in our app.
Travel with peace of mind: Use your virtual card for flights, hotels, and online bookings. Perfect for life in Portugal and trips abroad.
Earn rewards for using your card: Get access to special perks and partner offers.
Invite friends and earn bonuses: Share Cardwisechoice with friends. When they join, you unlock rewards.
Frequently Asked Questions About Virtual Credit Cards in Portugal
Can I use a virtual credit card for car rental in Portugal without a physical card?
Most car rental companies in Portugal ask for a physical credit card at pickup for the security deposit. A virtual card may work for the online booking, but you will likely need a physical card when you collect the car. Always check the rental terms before you travel.
Is a virtual credit card accepted on TAP Air Portugal?
Yes. You can use our virtual card to book flights on TAP Air Portugal and other airlines. As long as the site accepts online card payments, your virtual card works.
Can non-residents or expats get a virtual credit card in Portugal?
Yes. We welcome expats and non-residents. You need a valid ID, a NIF, and an EU mobile number. The full process is online and takes only a few minutes.
What is the difference between a virtual Mastercard and a virtual Visa in Portugal?
Both work in the same way for most online payments. The main difference is the card network. Acceptance is wide for both across Portugal and abroad. With us, you can use your card anywhere the network is accepted.
Is the Cardwisechoice virtual card free forever or only for a trial period?
We offer a free plan with core features included. There is no short trial that suddenly ends. If you want extra features, you can upgrade at any time.
Can I use my virtual card for Amazon purchases in Portugal?
Yes. You can use it on Amazon Portugal and other Amazon sites. Just enter the card details at checkout like any other card.
Does a virtual credit card affect my credit score in Portugal?
Our prepaid virtual card does not affect your credit score. You load funds first, then spend. There is no credit line and no credit check for this tier.
What happens if my virtual card is compromised or used fraudulently?
You can freeze or cancel the card in seconds from our app. We also monitor for unusual activity. If there is an issue, we review it fast and guide you through the next steps.
Can I use a virtual card to pay Portuguese taxes or government services online?
Many Portuguese government websites accept online card payments. If card payments are allowed, you can use your virtual card. Always check the payment options on the official site.
Is a virtual card the same as a prepaid card in Portugal?
Not always. A virtual card can be prepaid or linked to a credit line. Our prepaid option means you load money first. It gives you full control over your spending.
