Need a virtual credit card in Vietnam without opening a bank account? We make it simple. Get your VCC instantly and start shopping online right away. No paperwork, no waiting, no bank visits.
Our Vietnam virtual credit card works anywhere Visa and Mastercard are accepted. Buy from international websites, pay for subscriptions, and keep your real card details safe from fraud. Every prepaid card includes strong security features, and you control spending limits. Freeze or unfreeze cards whenever you want.
We serve online shoppers, freelancers, and businesses who need fast, secure payment options. Whether you're buying work tools, running ads, or shopping from global brands, our virtual credit card in Vietnam gives you instant access to safe online payments worldwide. Get started today and join thousands who trust us for their digital transactions.
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 Vietnam 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
What Is a Virtual Credit Card in Vietnam?
A virtual credit card is a card that lives online. There is no plastic card to hold. You get a card number, expiry date, and code that you use for online payments.
In Vietnam, virtual cards work with banks and fintech apps. You sign up in an app, pass basic checks, and get a card you can use right away. Some cards link to a bank account. Others are prepaid and only spend what you load.
The key difference is simple. Virtual cards are digital only. Physical cards come as plastic and work in stores. Prepaid cards use your own money, not credit, and often have lower limits.
Who Issues Virtual Credit Cards in Vietnam?
Local Banks Offering Virtual Cards
Trusted Vietnamese banks: Major banks like Timo, VPBank, and Techcombank offer virtual credit card options tied to a bank account. These are best for users who already bank locally.
Account and ID checks: You must open an account and complete full KYC with ID proof. Approval can take time.
Credit check rules: Some banks run a credit check. Others only offer prepaid card options with balance limits.
Fintech and E-Wallet Providers
Quick setup, fewer steps: Apps like MoMo, ZaloPay, and VNPay let users get a virtual card with less paperwork.
Prepaid or credit-based: Most issue prepaid cards. You load funds before use. A few offer credit lines to select users.
Global fintech access: Some overseas fintech services allow Vietnam users, though limits and fees may apply.
Cardwisechoice Virtual Card Solutions
Open to Vietnam users: Cardwisechoice offers virtual cards without a bank account or credit check.
Built for real use: Instant issue, global acceptance, spend limits, and fraud controls made for online payments.
Clear fees: We show all costs upfront. No hidden charges. You stay in control.
How to Get a Virtual Credit Card in Vietnam (Step-by-Step)
Getting a virtual credit card in Vietnam is easier than you might think. We've broken down the process into simple steps you can follow today.
Step 1: Pick Your Provider
Choose CardWiseChoice, a trusted fintech app that offers virtual cards. It’s designed to fit your needs, with a smooth user experience and strong reviews from users who value flexibility and security.
Step 2: Sign Up
Download the app or visit the website. You'll need an email address.
Step 3: Link Your Payment
Connect a bank account or add money to your wallet. These funds are for your virtual card for purchases.
Step 4: Create Your Card
Tap the "create virtual card" button in the app. You'll get a card number, expiration date, and CVV code instantly. Some apps let you set spending limits right away.
Step 5: Start Using It
Your virtual card is ready to use for online shopping. Just enter the card details at checkout like you would with a physical card.
Our virtual cards work immediately. If you run into issues, we recommend checking with your provider's support team for help.
Virtual Cards for Foreigners in Vietnam
Residency rules: Many local banks ask for long-term stay proof. Short stays often do not qualify. This can block access for expats and visitors.
Visa and work permit needs: Some providers require a valid visa or work permit. Tourist visas rarely work. Approval can take days or longer.
Best options for foreigners: We built our cards to avoid these limits. With Cardwisechoice, foreigners can get a virtual card without a Vietnamese bank, local address, or credit check. Our cards work for online shopping, ads, and global payments. Setup is quick, clear, and made for cross-border use.
What You Can Use Virtual Credit Cards For in Vietnam
Online Shopping & Subscriptions
Vietnamese e-commerce platforms (Shopee, Lazada, Tiki): We support all major local shopping sites. Add your virtual card just like any other card and start buying. No extra steps needed.
International shopping (Amazon, eBay, AliExpress): Shop from global stores without hassle. Your virtual card works just like a regular credit card on overseas sites. We handle the payment routing so you don't have to worry about it.
Streaming services (Netflix, Spotify, YouTube Premium): Pay for your favorite streaming apps every month. Set it once and forget it. Works with all major platforms that accept card payments.
Software subscriptions (Adobe, Microsoft, Canva): Keep your work tools running smoothly. Our virtual cards work great for monthly software bills and cloud services.
International Payments & Cross-Border Transactions
PayPal linking and verification: Link your virtual card to PayPal to unlock global payments. We've tested this with thousands of users and it works reliably.
Cross-border payment limitations and workarounds: Some countries have strict rules about Vietnamese cards. We'll show you which ones work smoothly and how to handle tricky situations.
Currency conversion fees: When you pay in foreign money, we convert it at fair rates. You'll see the exact cost before you confirm any payment. No hidden surprises.
Countries/merchants with restrictions: A few stores don't accept cards from Vietnam. We keep an updated list of what works and what doesn't, so you're never caught off guard.
Digital Advertising Platforms
Facebook Ads / Meta Business Suite: Run your ads without payment issues. Our cards are built to handle ad spend, with high success rates for Vietnamese businesses.
Google Ads / Google Workspace: Keep your campaigns live with reliable payments. We support both ad accounts and workspace subscriptions.
TikTok Ads: Growing your brand on TikTok? Our virtual cards work smoothly with their ad platform. Set up once and scale your campaigns.
Other ad platforms accepting Vietnamese-issued cards: From LinkedIn to Twitter ads, we work with most major platforms. If you're running ads, chances are we've got you covered.
Apple ID, Google Play & App Store Payments
Setting up virtual card on Apple ID: Add our card to your Apple account in minutes. Buy apps, games, and subscriptions without needing a traditional credit card.
Google Play payment methods: Download paid apps and make in-app purchases easily. Our cards are accepted as valid payment methods on Google Play.
Regional restrictions and workarounds: Some apps are only sold in certain countries. We'll help you understand which stores you can access and how to set up your account correctly.
Costs, Limits & Fee Structures
Clear pricing matters. We lay out fees and limits upfront so you can compare options fast and avoid surprise charges later.
Issuance & Annual Fees
In Vietnam, some providers offer free virtual credit cards, while others charge a one-time issue fee. A few also add monthly or yearly card fees. We show which cards are free to start, which have setup costs, and which need ongoing fees. Our policy is simple: no hidden charges, ever.
Transaction Fees & Foreign Exchange Rates
Everyday local payments are often free. International payments usually cost more, often around 3–4% per charge. This can include card fees and FX markups. We flag these costs clearly and point out common extras to watch for, so frequent global spenders know the real price.
Spending Limits & Top-Up Restrictions
Limits vary by card and provider. Some cards cap spend per day or month, while others set a per-payment limit. Top-ups may also have limits on size or how often you can add funds. We compare these limits side by side so you can pick a card that fits your spending needs.
Security & Control Features
Built to stop fraud: Our virtual cards have no physical form. There is nothing to steal. Card numbers stay hidden, and you can use single-use or limited cards for risky sites.
Real-time alerts: We send instant alerts for each charge. You see what happens as it happens and can act fast if something looks wrong.
Freeze and unfreeze anytime: One tap locks the card. One tap unlocks it. No calls. No waiting.
Spending limits you control: Set caps by merchant or category. Spend only what you plan. This helps avoid surprise charges.
New card numbers on demand: You can reset your virtual card number at any time. This cuts off old links and keeps payments safe.
3D Secure and OTP support: Many Vietnamese merchants use extra checks like 3D Secure and one-time codes. Our cards support these flows when required.
Common Scams & How Virtual Cards Protect You
Phishing and data leaks: Fake sites and emails try to steal card details. We protect you by keeping your main card separate. If a site leaks data, only that virtual card is exposed.
Subscription traps: Free trials often turn into paid plans. We let you set spend limits or end the card after one payment. No surprise renewals.
Stolen card numbers: If a merchant gets hacked, fraudsters cannot reach your other cards. You can close the card and move on.
If a card is hit: Freeze the card at once. Create a new number in seconds. No calls. No stress.
Virtual vs. Physical Credit Cards in Vietnam
If you’re deciding between a virtual card and a physical credit card in Vietnam, it helps to understand how they differ across key features. Below is a straightforward comparison to guide your decision:
| Feature |
Virtual Card |
Physical Card |
| Online payments |
✓ Instant use |
✓ After delivery |
| International shopping |
✓ (with limits) |
✓ (with limits) |
| POS / ATM access |
✗ |
✓ |
| Issuance time |
⚡ Instant |
🕐 5–10 days |
| Security |
🔒 Higher |
📉 Moderate |
| Best for |
Online purchases, subscriptions, digital ads |
Mixed online + in-store spending |
Best Virtual Credit Cards in Vietnam (2026)
People want fast answers, not guesswork. We reviewed the top virtual credit cards used in Vietnam and picked options that actually work for common needs like shopping abroad, running ads, or getting paid as a freelancer. Below are our expert picks, with clear pros, limits, and costs—so you can choose with confidence.
Best for International Shopping
Our top pick for international shopping is a virtual card with wide global acceptance and low foreign fees. It works smoothly with major stores like Amazon, AliExpress, and Netflix, with fewer failed payments than local cards. Fees are easy to understand, with no surprise markups on exchange rates. Compared to others, it offers better value if you shop in USD or EUR often.
Best for Digital Advertising
For Facebook and Google Ads, reliability matters more than perks. The best option here supports ad platforms, allows higher spending limits, and handles auto-billing without random declines. Most ad accounts need steady limits and clean payment history, and this card delivers that. If a payment fails, support tools make it easy to fix issues fast and keep ads running.
Best Free Virtual Credit Card Options
Some users just want a free way to get started. There are virtual cards with no setup or yearly fees, which are great for light use. The trade-off is lower limits and fewer features. Watch out for hidden costs like reload fees or poor exchange rates, which can make a “free” card expensive over time.
Best for Freelancers & Gig Workers
Freelancers need flexibility. The best virtual cards in this group do not require income proof and work well with global freelance platforms. They support multiple currencies, making it easier to get paid by overseas clients. Limits are adjustable, and setup is fast, which helps when cash flow changes month to month.
Common Issues & Troubleshooting
Application rejected: This often happens due to missing details or country limits. We flag issues right away and show what to fix so you can reapply fast.
Card declined by an overseas site: Some merchants block certain regions. We help you switch cards or reset details to improve approval.
Can’t link to PayPal, Apple ID, or Google Play: These services check card type and region. Our guides walk you through the right setup and billing address.
OTP or 3D Secure failed: Extra checks may time out or not load. Retry once. If it fails again, refresh the card or contact us.
Currency errors: A mismatch in card and store currency can stop a charge. We show supported currencies before you pay.
Expired card: Our virtual cards can expire by design. Create a new one in seconds and update it on your apps.
How to Choose the Right Virtual Credit Card
We keep this simple. The right card depends on how you plan to use it, what you qualify for, and how much you want to pay. Start with your main need, then narrow it down fast.
Decision Framework
Primary use case: Are you paying local bills, shopping abroad, running ads, or managing subs?
Eligibility: Check if you need a bank account, credit check, or income proof.
Fee tolerance: Decide if you want free, low-fee, or paid with more tools.
Required limits: Make sure the spend cap fits your needs.
Provider trust: Pick a card with clear support and a solid track record.
Quick Assessment
✅ If you need: International shopping → Choose: Low FX fee card with wide acceptance
✅ If you need: Facebook or Google Ads → Choose: High-limit ad-friendly virtual card
✅ If you need: Zero cost entry → Choose: Free virtual card with basic limits
✅ If you are: Freelancer or gig worker → Best option: No credit check, multi-currency card
We suggest matching one clear need to one clear card. That’s the fastest way to get it right.
Getting Started with Cardwisechoice Virtual Cards
We built Cardwisechoice to make online payments easy for users in Vietnam. Our virtual cards help you shop worldwide, pay for apps, and run ads without a local bank or credit check. Fees are clear from the start. What you see is what you pay. Most users can apply with basic details and get a card in minutes. If you need help, our support team is ready to guide you at each step so you can start paying online with confidence.
Frequently Asked Questions
Can I get a virtual credit card in Vietnam without a bank account?
Yes, you can. Some platforms let you sign up with just your phone number and ID. We recommend checking out prepaid card options or digital wallets that don't require a full bank account to get started.
Do virtual credit cards work on Amazon from Vietnam?
Most do. Look for cards that support USD payments and global use. We've found that Visa and Mastercard virtual cards work best for Amazon purchases from Vietnam.
Are virtual credit cards safe for Facebook Ads payments?
They're often safer than your main card. You can set spending limits and turn them off anytime. Many users prefer virtual cards for ad spending because they keep business costs separate and reduce fraud risk.
Can foreigners get virtual credit cards in Vietnam?
It depends on the provider. Some apps and banks need a local ID or work permit. Others accept foreign passports. We suggest trying digital wallet apps first—they tend to have easier sign-up rules for expats.
What's the difference between Timo virtual card and other options?
Timo links directly to your Timo bank account. Other options like prepaid cards or standalone virtual cards don't need a bank account. The main trade-off: bank-linked cards often have higher limits but need more setup.
How do I create a free virtual Visa card in Vietnam?
Download an app that offers virtual cards (many are free). Sign up with your phone and ID. Once approved, you can create a card right in the app. Popular choices include digital wallets and fintech apps.
Do I need a credit check for a virtual card?
Usually not. Most virtual cards are prepaid or debit-based. You load money first, then spend. Since you're not borrowing, there's no credit check needed.
Can I use virtual cards for PayPal in Vietnam?
Yes, but with limits. You can link some virtual cards to PayPal for payments. However, not all cards work for withdrawals or account setup. We recommend testing with a small amount first.
