Best Virtual Credit Cards Singapore 2026

• This guide compares the best virtual cards in Singapore for purposes including online shopping, subscription services, and online payments.

• The top virtual credit cards in Singapore are Halocard, Revolut, Aspire, HSBC, and Wise, with Halocard being the top choice for secure online shopping and reliable international acceptance.

This guide is for users in Singapore who need a reliable, safe, and widely accepted virtual card for international payments, subscriptions, and online transactions.

A common problem faced by those in Singapore is that local or regionally-issued cards are often declined on US and other international websites. So, the best virtual card in Singapore really depends on the use case. Halocard is the top option for international acceptance, whereas the other four are ideal for simple everyday banking needs.

Quick Comparison

Top 5 Best Virtual Cards (Singapore)

Here are the top 5 virtual cards in Singapore.

1. Halocard

Halocard is a US-issued Visa card platform meant for secure and flexible online payments. In Singapore, one of the biggest advantages is its global acceptance.

The card runs on the Visa network with a US-issued BIN, meaning that it works reliably on international platforms that often reject cards issued by other local financial institutions.

Halocard does not function like a traditional debit card or credit card, but rather focuses on virtual card transactions, particularly for things like online purchases, software subscriptions, and international services. Halocard is a secured card that does not require credit checks.

How It Works

Users in Singapore can sign up with just your phone, go through a quick approval process, and generate a visa card instantly once the account is active. After funding the account, users receive immediate access to their virtual card details, including the card number, expiry date, and security code.

These virtual card details can not only be used for recurring payments and to shop online, but can also be connected to mobile wallets like Samsung Pay on a mobile device.

The system uses a digital dashboard that allows users to monitor transaction history, manage card usage, and create multiple virtual cards for different business needs, subscription services, or vendor payments.

Costs & Fees

• Monthly fee: Starting from S$15.35 /month or $12/month

• Creating a card: Included

• Foreign exchange fee: Around 1.5% on non-USD transactions

• Adding funds: Free with stablecoins, 5% via credit/debit card, ACH/SWIFT transfer free (coming soon)

Spending Limits and Usage Restrictions

Halocard does not have fixed spending limits. Users can spend what they load and maintain complete control over their cards. Users can set their own spending limits, as well as pause and lock cards at will.

Key Advantages

• Strong global acceptance through the Visa network

• Fast setup with the ability to generate a card instantly

• Multiple virtual cards for privacy and spending control

• Works with mobile wallets like Samsung Pay

• Useful for subscriptions, ecommerce, and online services

Specific Drawbacks

• Requires a monthly subscription

• Foreign transaction fees apply outside USD

• Not designed for ATM withdrawals or traditional banking

Who It's Best For

Halocard is best for people such as freelancers, businesses, or anyone else who often shops online in Singapore and needs a virtual card that is accepted internationally - it's also ideal for managing vendor payments. It's ideal as users can create multiple cards, set spending limits, and more.

Why Someone Would Choose Halocard Over the Others

Halocard stands out thanks to its fast and easy virtual card transactions. It's accepted in the USA and globally, so those in Singapore can buy goods and access services from around the world. Halocard features strong privacy and security measures to keep user information safe and hidden - and it acts as a barrier between your banking/credit card details and the online world, reducing the chances of fraudulent transactions.

2. Revolut Singapore

Revolut is a digital banking platform that includes virtual cards in a mobile banking app. In Singapore, it functions as a major payment institution regulated by the Monetary Authority of Singapore.

Revolut does not focus solely on virtual card transactions, but rather works as a full financial account. Users can manage various currencies and generate virtual versions of their cards that can be used for recurring payments and online purchases.

How It Works

Users sign up through the Revolut Mobile App on their mobile device, go through identity verifications, and open an account in a few minutes. Users can then generate virtual versions of their cards and start making online payments right away. The virtual card details can be used to shop online, and can be added to mobile wallets such as Samsung Pay.

Costs & Fees

• Monthly fee: Standard plan free, Premium S$10.99/month, Metal S$21.99/month

• Creating a virtual card: Included

• Currency exchange: Up to S$5,000/month fee-free on the Standard plan

• Weekend FX fee: Around 1% outside market hours for Standard users

Spending Limits and Usage Restrictions

Revolut cards work as prepaid debit cards, which means that users can only spend the available account balance. Users can set spending limits, freeze cards, and more - allowing for oversight over card usage.

Key Advantages

• Free basic account with optional paid plans

• Ability to generate virtual card details for secure online purchases

• Works with mobile wallets such as Samsung Pay

• Supports spending in 30+ currencies

• Clear transaction history and spending tracking

Specific Drawbacks

• FX limits apply on the free plan before foreign transaction fees begin

• Some features require Premium or Metal plans

• Requires opening a full financial account rather than just creating a card

Who It's Best For

Revolut is best for those in Singapore who need a full mobile banking system that also includes virtual card creation.

Why Someone Would Choose Revolut Over the Others

Revolut is a good choice for people who want a full financial app with full banking features, as opposed to just a virtual card provider - although global acceptance may be limited in some cases.

3. Aspire Virtual Card

Aspire is designed mainly for providing virtual company cards for startups and growing businesses. It does not rely on traditional credit cards such as those offered by banks, but rather focuses on virtual company cards to give teams faster access to business spending tools.

This platform combines expense management with virtual company cards. This allows companies to track employee expenses, manage approvals, and monitor spending.

How It Works

Businesses have to first open an Aspire account, and from there, companies can issue virtual company cards to employees. Each card can be assigned to a project, person, or merchant, making it easy to manage expenses and track spending patterns. Aspire allows teams to create nearly unlimited cards.

Costs & Fees

• Monthly fee: Basic plan free, Premium from S$15/month

• Creating cards: Included

• Virtual cards: Up to 200 on Basic, up to 300 on Premium

• FX rates: From around 0.22% depending on currency and plan

Spending Limits and Usage Restrictions

Aspire features a variety of spending controls on all company cards. Businesses can easily set spending limits, apply merchant restrictions, and control how funds are used.

Key Advantages

• Ability to issue virtual company cards for teams instantly

• Support for unlimited cards across employees and vendors

• Clear controls for employee expenses and approvals

• Integration with major accounting software for easier bookkeeping

• Real-time tracking of spending patterns and transactions

Specific Drawbacks

• Requires opening an Aspire account for business use

• Designed mainly for companies rather than individual users

• Some features depend on plan level

Who It's Best For

Aspire virtual cards are best for agencies, startups, and growing companies that need company cards for their teams.

Why Someone Would Choose Aspire Over the Others

Those who need virtual company cards for their businesses could consider Aspire virtual cards. Its key features focus on allowing companies to easily control budgets, automate expense tracking, and distribute company cards.

4. HSBC Virtual Card

HSBC has a virtual version of its credit cards that can be accessed through the HSBC Singapore App. This allows customers to use virtual versions of their cards as soon as their credit card is approved.

Users can make contactless payments and online purchases immediately. Unlike other standalone Fintech platforms, HSBC Virtual Credit Cards are tied to a traditional physical credit card account - meaning that it is tied ot a line of credit.

How It Works

Once users are approved for their HSBC credit card, the virtual version can be accessed through the HSBC Singapore app, all before the physical card is sent in the mail.

Users can log into their account, view their virtual card details, and retrieve all information when needed. This allows those in Singapore to shop online, make online payments, or add the card to mobile wallets such as Apple Pay, Google Pay, or Samsung Pay.

Costs & Fees

• Monthly fee: None for the virtual card itself

• Annual fee: Typically around S$196.20/year for most HSBC credit cards (some cards waive this or have no annual fee)

• Creating a virtual card: Included with approved HSBC credit cards

• Business virtual card payments: 0.9% on the first S$100,000, then 1.2% afterwards

Spending Limits and Usage Restrictions

HSBC virtual cards are tied to a traditional physical credit card, which means that spending limits are the same as those on the physical credit card.

Key Advantages

• Instant access to virtual card details through the HSBC Singapore app

• Ability to begin spending before the physical credit card arrives

• Works with mobile wallets including Samsung Pay

• Additional added security because the CVV remains hidden until viewed in the app

• Backed by a large international bank

Specific Drawbacks

• Requires an HSBC credit card account

• Not designed for creating multiple virtual cards for different uses

• Less flexibility than fintech platforms that allow instant card creation

Who It's Best For

HSBC virtual cards are ideal for those who already have an HSBC Singapore account and want to start using a virtual version of their credit card.

Why Someone Would Choose HSBC Over the Others

HSBC is a good choice for those who require a traditional banking provider with full banking functionality, which also happens to include virtual versions of their physical cards.

5. Wise Virtual Card

The Wise virtual card is linked to a multi-currency account that can be used for low-cost international spending, travel, and online purchases. Unlike regular banks, Wise uses regular exchange rates instead of markups, making it ideal for thosein Singapore who often pay in multiple currencies.

How It Works

Those in Singapore can open a Wise account online and instantly generate a virtual card for free. The digital card can be added to Apple Pay or Google Pay right away and used for online payments or contactless spending.

Costs & Fees

• Virtual card: Free and instant

• Physical Wise card: S$8.50 one-time activation fee (personal users)

• Spending in held currency: Free

• Currency conversion: Mid-market exchange rate + small fee (typically from 0.26%)

• ATM withdrawals: 2 free withdrawals up to S$350/month, then small fees apply

Spending Limits and Usage Restrictions

The amount of money you can spend with a Wise virtual card depends on your Wise balance. These cards work as debit cards, so users can only spend as much money as is on the account.

Key Advantages

• No monthly or annual fees

• Real exchange rates with transparent conversion costs

• Excellent for multi-currency spending and travel

• Instant virtual card with mobile wallet support

• Ability to hold and spend 40+ currencies

Specific Drawbacks

• Physical Wise card requires a small one-time fee

• ATM fees apply once free withdrawal limits are exceeded

• Debit-only product, not a credit card

Who It's Best For

Wise is best for people in Singapore who often spend in various currencies, travel a lot, and want to be able to complete low cost international payments.

Why Someone Would Choose Wise Over the Others

People might choose Wise thanks to its transparent fees and low exchange rates - although its acceptance on US sites may be limited.

What Users Think

Let's see what users generally have to say about these top five virtual cards.

Halocard

Users often mention that Halocard works very well on international websites, including the USA, where other virtual cards may be rejected. Halocard also features a fast and painless signup and creation process, along with multiple funding methods, low fees, and a high degree of security. Although some people are not fans of the subscription model, its consistently high acceptance on global websites makes it an ideal option for residents of Singapore.

Revolut

Many in Singapore like Revolut thanks to its disposable virtual cards, as they generate new card numbers for each online purchase, thus offering added protection. Many also enjoy its quick card creation and easy-to-use app. That said, many say the paid higher tiers only make sense if the perks are actively used. The fact that Revolut charges a fair usage fee once the monthly exchange limit is reached is another noted drawback.

Aspire

Users in Singapore generally like Aspire for its intuitive dashboard, simple onboarding, and the ability to issue multiple virtual company cards for teams, making it ideal for companies that are tracking expenses. On the other hand, many also note that there are delays with transfers, as well as somewhat poor customer support. There are also some customers who note that it has unclear fees, and in some cases, high fees for payment processing.

HSBC

People in Singapore see HSBC's virtual card feature as convenient because it allows for easy online use, and through the app, easy expense management. People also like how the cards can be added to digital wallets. Yet, there are also some complaints, including that the mobile banking experience is somewhat slow and cumbersome, with several complaints about app usability.

Wise

In general, people like Wise due to its flexibility with virtual cards, as well as its multi-currency spending capabilities. Being able to generate disposable and reusable cards is also seen as a bonus, as well as the ability to hold and spend multiple currencies. For the most part, people are quite happy with the virtual cards themselves, but there are complaints about customer support, verification issues, as well as ATM-related fees.

Frequently Asked Questions

Does DBS Have a Virtual Credit Card?

Yes, DBS features a virtual version of their credit card available through the DBS digibank app.

Can Foreigners Get a Credit Card in Singapore?

Yes, foreigners can get a credit card in Singapore as long as eligibility requirements are met, including having an employment pass.

What Is the Most Popular Digital Wallet in Singapore?

The most popular digital wallets in Singapore include GrabPay, Apple Pay, Google Pay, and PayNow-linked wallets.

Can I Get a Virtual Credit Card Online?

Yes, many Fintechs and banks allow for instant virtual card generation online and through their respective apps.

What Are the Disadvantages of Virtual Cards?

One of the few disadvantages is that some virtual cards may not be accepted internationally and in the USA, and some platforms, such as hotels and car rentals, may require a traditional physical card.

What Is Ghost Credit?

Ghost credit is a virtual corporate card number that does not have a physical counterpart, usually used by companies for specific vendors, subscriptions, or controlled payments.

Are Virtual Cards Safer Than Physical Cards?

Yes, virtual cards are safer than physical cards because they protect your primary card details when shopping online, thus masking your real banking information.

Can Singapore Virtual Cards Be Used on US Websites?

Some Singapore virtual cards may work on US sites, including Halocard, but many others do not. Many local or regionally issued cards may face restrictions outside of Singapore.

Do Virtual Cards Charge Foreign Transaction Fees?

Some virtual cards charge foreign transaction or currency conversion fees, although the rate depends on the provider.

Do Virtual Cards Work With Mobile Wallets?

Yes, most virtual cards work with mobile wallets, mainly Apple Pay, Google Pay, or Samsung Pay.

Can You Set Spending Limits on Virtual Cards?

Yes, most virtual cards allow users to set spending limits, freeze cards, or restrict certain merchant categories.

Can Businesses Use Virtual Company Cards for Vendor Payments and Software Subscriptions?

Yes, there are many providers that offer virtual cards for company use designed to pay vendors and other merchants.

How to Get Halocard

Getting a Halocard virtual card in Singapore is simple.

Steps

1. Sign up on the official website and complete a quick identity check

2. Create your virtual card in minutes

3. Add funds through various methods (Stablecoins, card payments, bank transfers)

4. Start paying online (including US and international merchants)

Halocard is ideal for those in Singapore who need a virtual card with reliable and consistent acceptance on international platforms, such as in the USA, as well as for those who need a safe and secure virtual card for online shopping and recurring subscriptions.

Disclaimer

Pricing is accurate at time of writing, but may change at any time.

Sources

• Halocard. Instant, Private & Secure Virtual Cards | Halocard Sourced on March 15, 2026.

• Revolut Singapore: All-in-one Finance App | Revolut Singapore Sourced on March 15, 2026.

• Revolut Singapore: Compare plans | Revolut Singapore Sourced on March 15, 2026.

• Aspire. Corporate Card | Fast & Easy Online Approval - Aspire Singapore Sourced on March 15, 2026.

• Aspire. Aspire Pricing: $0/month, only pay for what you use- Aspire Singapore Sourced on March 15, 2026.

• HSBC Singapore. Getting Started With A Virtual Card | Credit Cards - HSBC SG Sourced on March 15, 2026.

• HSBC Singapore. Businesss Virtual Card | HSBC Corporate Banking Singapore Sourced on March 15, 2026.

• Wise Singapore. Wise: The international account | Money without borders | Wise Singapore Sourced on March 15, 2026.

• Reddit. Virtual payment cards : r/PrivacyGuides Sourced on March 15, 2026.

• Reddit. Revolut card pros and cons : r/askSingapore Sourced on March 15, 2026.

• Reddit. Anyone use Revolut Metal in Singapore? Any reviews, things to looks out for with their service? : r/singaporefi Sourced on March 15, 2026.

• Trustpilot. Revolut Reviews | Read Customer Service Reviews of www.revolut.com Sourced on March 15, 2026.

• Reddit. Aspire Credit Card : r/CreditCards Sourced on March 15, 2026.

• Trustpilot. Aspire Reviews | Read Customer Service Reviews of aspireapp.com Sourced on March 15, 2026.

• Apple. ‎HSBC Singapore - Ratings & Reviews - App Store Sourced on March 15, 2026.

• Google Play Store. HSBC Singapore - Apps on Google Play Sourced on March 15, 2026.

• Reddit. HSBC Revolution Credit Card — Thoughts? : r/singaporefi Sourced on March 15, 2026.

• Truspilot. Wise Reviews | Read Customer Service Reviews of wise.com Sourced on March 15, 2026.

• Reddit. Wise is an awful "travel card", why do people still recommend it. Did they fall for the marketing? : r/AusFinance Sourced on March 15, 2026.