A virtual credit card (VCC) is a digital card number you can use for online payments — without exposing your real card details. At Cardwisechoice, we make it easy to get a Singapore virtual credit card in minutes, with no physical card needed.
Whether you shop online, pay for subscriptions, or run a business, our virtual credit card gives you full control. Use it anywhere Visa cards are accepted in Singapore and worldwide. Each card has its own unique number, so your main account stays safe from fraud.
Our prepaid card options work for freelancers, shoppers, and businesses of all sizes. No long waits. No paperwork. Just a simple, secure way to pay online. Think of it as your Singapore credit card — but smarter and safer.
Ready to pay online with more confidence? Get your virtual card today and take charge of your spending.
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 Singapore 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
Why Virtual Credit Cards Are Popular in Singapore:
People in Singapore value speed, safety, and control. Our Virtual Credit Card Singapore solution solves real problems when paying online, both locally and overseas.
Online Payment Security and Fraud Protection:
Hide your real card number: The merchant never sees your main Singapore credit card or Singapore debit card details. If a site is hacked, your bank card stays safe.
One-time or replaceable numbers: Cancel or swap your virtual credit card in seconds.
Lower risk on new or overseas sites: A VCC works well for small stores, global platforms, and first-time purchases.
Privacy, Control, and Spending Limits:
Limits per card: Set a max amount for each Singapore virtual credit card. No surprise charges.
Merchant lock: Restrict a card to one seller. Stolen details cannot be reused elsewhere.
Instant freeze or delete: Stop the card with one tap. No calls. No waiting.
Split spending: Use one prepaid card for subscriptions, one VCC for ads, and one visa card in Singapore for daily spend.
Works in Singapore and Worldwide:
Global acceptance: Pay anywhere Visa is accepted, locally and overseas.
Fewer foreign declines: Credit-backed VCC options often perform better than debit cards.
Better for ads and SaaS tools: Many global platforms prefer virtual cards over plastic.
Easier than physical cards: Faster to replace. Easier to control. Less risk if something goes wrong.
Why Media Buyers in Singapore Choose Cardwisechoice:
Avoid bank blocks: Reduce sudden declines that interrupt campaigns.
Instant funding: Keep ads live without payment delays.
Separate ad spend: Use dedicated virtual credit cards for each account or client.
Global platform support: Pay major ad networks without limits.
Instant card replacement: Generate new details immediately if exposed.
Subscription control: Freeze cards to prevent extra charges.
Full spend visibility: Track every dollar in real time.
Why Non-Singapore Issued Virtual Cards Still Work in Singapore:
Card networks matter most: Visa and Mastercard are accepted across Singapore and worldwide.
BIN shows issuer, not user: The card’s origin does not limit who can use it.
Standard online checks: Merchants verify validity and funds, not country of issue.
Legal for residents and expats: Singapore users can use foreign-issued virtual cards for online payments, ads, and business tools.
How Cardwisechoice Helps You Find the Right Virtual Card in Singapore:
We help you choose the right Virtual Credit Card Singapore option based on your needs. We are not a card issuer. We compare trusted banks and fintech providers so you can make a clear and informed choice. Our goal is simple: match you with a virtual credit card, VCC, prepaid card, or Singapore credit card that fits how you spend and pay online.
What Cardwisechoice Does:
Compare options across providers: We review virtual credit card and Singapore virtual credit card products from banks and fintechs in Singapore.
Filter by real needs: Sort by fees, foreign currency support, approval speed, and key features.
Match by use case: Find the right visa card in Singapore for online shopping, ads, travel, or global payments.
Provide eligibility guidance: We help you understand basic requirements so you apply for the right Singapore debit card or credit product the first time.
Key Features to Compare When Choosing a Virtual Card in Singapore:
Fees and Costs:
Annual fee vs no annual fee: We help you see which virtual credit card charges yearly fees and which does not. This keeps your costs clear from day one.
Foreign transaction fees: We compare FX markups so you know how much extra you pay on overseas spend. Small gaps add up fast.
Top-up or reload fees: For prepaid card options, we check if you pay to add funds. This matters if you reload often.
Inactivity or card fees: Some providers charge if you do not use the card. We flag these costs so you avoid waste.
Approval Speed and Eligibility:
Instant issuance: We show which Instant Virtual Credit Card Singapore options give card details right away.
Basic eligibility rules: We break down age, income, and residency needs in simple terms.
No credit check options: Prepaid virtual cards can work if you have no credit history.
PR vs foreigner access: We outline key gaps so you know what you can apply for in Singapore.
Spending Controls and Limits:
Per-transaction caps: We compare how much you can spend per payment.
Daily and monthly limits: Useful for budget control or business spend.
Merchant controls: Some cards let you block certain types of spend.
Instant freeze: We check if you can lock or unlock the card in the app.
Supported Currencies and International Use:
SGD vs multi-currency: Some cards only support SGD. Others let you hold and spend in many currencies.
Best for overseas shopping: We highlight cards that work well on global sites.
Avoid DCC traps: We explain how to avoid poor exchange rates at checkout.
Security Features:
Masked card numbers: Your real Singapore credit card details stay hidden.
3D Secure support: Extra login checks help stop fraud.
One-time CVV: Some VCC options refresh the CVV for added safety.
Instant cancel and reissue: If exposed, you can replace the card fast.
MAS-regulated protection: Cards issued by regulated providers offer clear fraud liability rules.
Digital Wallet and Platform Compatibility:
Mobile wallet support: We check Apple Pay, Google Pay, and Samsung Pay access.
In-app control: Generate and manage your Singapore virtual credit card in one place.
Accounting tool sync: For business users, some cards link with finance tools to track spend cleanly.
Key Features to Compare When Choosing a Virtual Card in Singapore:
Choosing the right Virtual Credit Card Singapore option depends on how you plan to use it. Compare these key features before you decide.
Fees and Costs:
Annual fee vs. no annual fee: Some virtual credit card options charge yearly fees. Others are free. Check what you pay to keep the card active.
Foreign transaction fees: Many providers add FX markup when you shop overseas. Even 2–3% can add up fast.
Top-up fees for prepaid cards: Some prepaid card options charge when you load funds. Always check reload costs.
Inactivity or card fees: A few providers charge if you do not use the card or when you create new VCC numbers.
Approval Speed and Eligibility:
Instant issuance: Some providers offer instant virtual credit card Singapore approval. You get card details within minutes.
Basic requirements: Most Singapore credit card products require age, residency, and income checks.
No credit check options: Prepaid virtual cards often skip credit review.
PR vs. foreigner rules: Eligibility can differ for citizens, PRs, and work pass holders.
Spending Controls and Limits:
Per-transaction caps: Set a max amount per payment.
Daily and monthly limits: Control how much you can spend over time.
Merchant controls: Some Singapore virtual credit card options let you lock the card to certain types of shops.
Freeze anytime: Pause or unfreeze your visa card in Singapore through the app in seconds.
Supported Currencies and International Use:
SGD vs. multi-currency: Some cards support only SGD. Others let you hold and pay in many currencies.
Best for global shopping: Choose a VCC with low FX fees for overseas sites.
Avoid DCC traps: Dynamic Currency Conversion may look easy, but it often costs more.
Security Features:
Masked card numbers: Your real Singapore debit card or credit details stay hidden.
3D Secure support: Extra code check adds a layer of safety.
One-time CVV: Some virtual credit card options change the CVV for better fraud control.
Instant cancel and replace: Delete and reissue your card fast if details leak.
MAS-regulated protection: Cards issued under MAS rules may offer fraud liability cover.
Digital Wallet and Platform Compatibility:
Mobile wallet support: Check if the card works with Apple Pay, Google Pay, or Samsung Pay.
In-app control: Generate and manage your VCC inside the provider’s app.
Accounting tool links: Business users can connect cards to finance or expense tools for easy tracking.
How to Apply for a Virtual Credit Card in Singapore with Cardwisechoice
We make it simple. Here’s how you can get started today.
Step 1: Compare Your Options
Visit Cardwisechoice and review the best virtual cards in Singapore. We break down fees, FX rates, perks, and limits so you can pick what fits your needs.
Step 2: Choose the Right Card for You
Shopping online? Paying for Netflix? Running a business? Pick the card that matches your goal. We guide you based on real use cases.
Step 3: Click “Apply Now”
Once you choose a card, click the apply link. You’ll go to the bank or provider’s secure site to start your sign-up.
Step 4: Submit Your Details
Fill in your basic info. Most providers will ask for your NRIC and Singpass for quick ID check.
Step 5: Get Approved and Access Your Virtual Card
Many virtual cards are issued fast — some in minutes. Once approved, you can view your card in the app and start using it online right away.
Step 6: Add to Your Mobile Wallet (Optional)
You can link your virtual card to Apple Pay or Google Pay if supported.
Using Your Virtual Card Safely — Best Practices for Singapore Users
We know security matters. When you use a virtual card, a few smart steps can keep your money safe and give you peace of mind. At Cardwisechoice, we believe safety should be simple and clear. Here’s how we protect our payments—and how you can too.
Protecting Your Virtual Card Details
We never share our card number or CVV over email or chat apps. If a site or seller asks for it outside a secure checkout page, that’s a red flag. We also create a unique virtual card for each store when we can. This limits risk. If one card is exposed, the rest stay safe. We turn on real-time alerts so we see each charge as it happens. Quick alerts mean quick action if something looks wrong.
Common Mistakes to Avoid
We don’t use one-time cards for monthly plans. They will fail at renewal and may pause your service. We always check for FX fees, even on sites that show prices in SGD. Some global platforms still process overseas. We avoid saving card details in shared or unsafe browsers. It’s safer to store them only in secure apps we trust.
What to Do If Your Virtual Card Is Compromised
If we spot a strange charge, we freeze or delete the card at once in the issuer’s app. Most apps let us do this in seconds. Next, we report the issue and request a new card number. Fast action limits loss. If needed, we can raise a dispute through our provider. In Singapore, we may also seek help via the Monetary Authority of Singapore (MAS) complaint channels for fair review and support.
Regulatory and Trust Context for Virtual Cards in Singapore
When we choose a virtual card, trust comes first. In Singapore, strong rules help protect your money and data. The Monetary Authority of Singapore (MAS) sets clear standards for payment providers. We always look for partners that meet these rules. It gives us, and you, peace of mind when sharing financial details.
MAS Oversight and Licensed Issuers
Some virtual card providers are fully licensed by MAS. Others may operate under specific exemptions. A MAS license means the company must follow strict rules on risk control, security, and fair treatment of users.
It’s also key to know that most e-wallet balances are not covered by Singapore Deposit Insurance Corporation (SDIC). SDIC protects bank deposits, but it usually does not cover stored value in e-wallets. We always check how customer funds are kept and safeguarded before we recommend any provider.
Data Privacy and PCI-DSS Compliance
We take data safety seriously. Trusted issuers use strong encryption and meet PCI-DSS standards. PCI-DSS is a global security rule for handling card data. It helps prevent fraud and data leaks.
Before signing up, we suggest checking the privacy policy. Look for clear details on how your data is stored, used, and shared. Make sure the provider explains how they protect your information and what rights you have. If the policy is vague or hard to read, that’s a red flag.
Frequently Asked Questions About Virtual Credit Cards in Singapore
Can foreigners and PRs get a virtual credit card in Singapore?
Yes, many banks and fintech firms allow PRs and some foreigners to apply. You’ll need valid ID and proof of income. Approval rules vary, so we suggest checking the provider’s terms before you apply.
Can I use a virtual card at physical retail stores?
Sometimes. If the virtual card is added to a mobile wallet like Apple Pay or Google Pay, you can tap to pay at stores that accept contactless payments. If not, it’s mainly for online use.
Do virtual cards affect my credit score?
If it’s linked to a credit line, yes. Late payments can hurt your score. If it’s a prepaid or debit-based virtual card, it usually does not affect your credit score.
What happens to my virtual card if I close my bank account?
Once the linked bank account is closed, your virtual card will stop working. Any active payments tied to that card will fail, so update your billing details first.
Is there a virtual card that works without a linked bank account?
Yes. Some prepaid options let you top up funds without linking a bank account. Just note that features may be limited compared to full credit cards.
Can I get a virtual card with instant approval and no credit check?
Prepaid virtual cards often offer instant approval and no credit check. Credit-based virtual cards usually require checks and may take longer to approve.
Are virtual cards accepted on all Singapore e-commerce platforms (Shopee, Lazada, etc.)?
Most major sites like Shopee and Lazada accept virtual cards as long as they run on Visa or Mastercard networks. Always make sure your card brand is supported before checkout.
