Virtual credit cards

Compare virtual credit cards Australia

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Product	Purchase rate p.a.	Interest-free days	Balance transfer rate p.a.	Annual fee
Westpac Altitude Velocity Platinum	20.99%	Up to 45 days on purchases		$250	Get 75,000 bonus Velocity Points when you spend $4,000 on eligible purchases in the first 90 days.	Go to siteMore info Compare	loading Fetching your data...
NAB Rewards Platinum Card Most Loved	20.99%	Up to 44 days on purchases	0% for 12 months with 3% balance transfer fee, then 21.74%	$195	Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.	Go to siteMore info Compare	loading Fetching your data...
Westpac Low Rate Card	13.74%	Up to 55 days on purchases	0% for 24 months with 2% balance transfer fee, then 21.99%	$59	Save with a 0% p.a. interest rate on balance transfers for 24 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.	Go to siteMore info Compare	loading Fetching your data...
Westpac Altitude Velocity Black Finder Award	20.99%	Up to 45 days on purchases		$370	Up to 120,000 bonus Velocity Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 after the first eligible spend in year 2).	Go to siteMore info Compare	loading Fetching your data...
Westpac Altitude Qantas Black	20.99%	Up to 45 days on purchases		$370	Up to 120,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).	Go to siteMore info Compare	loading Fetching your data...
St.George Vertigo Card - Cashback Offer	13.99%	Up to 55 days on purchases	6.99% for 12 months, then 21.99%	$55	Get up to $500 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.	Go to siteMore info Compare	loading Fetching your data...
NAB Rewards Platinum Card – Velocity Points Most Loved	20.99%	Up to 44 days on purchases	0% for 12 months with 3% balance transfer fee, then 21.74%	$95 first year ($195 after)	Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months. Ends 31 July 2025.	Go to siteMore info Compare	loading Fetching your data...
Bankwest Breeze Platinum Mastercard Finder Award	12.99%	Up to 55 days on purchases	0% for 24 months with 3% balance transfer fee, then 12.99%	$59	Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.	Go to siteMore info Compare	loading Fetching your data...

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Are virtual credit cards available in Australia?

Yes you can get a virtual credit in Australia. Any credit card that is stored virtually in an app or online account, like a Visa or Mastercard, is technically a type of virtual credit card, including cards stored in Apple Pay, Google Pay and other mobile wallets. But you can apply for a specific virtual credit card only, if you wish.

There are 3 main types of virtual credit cards you can get in Australia, each with different features, benefits and options:

1. Instant virtual credit cards, for personal use
2. Instant business and corporate virtual credit cards, for business use
3. Mobile wallet cards – an existing Visa, Amex or Mastercard, added to your smartphone wallet

How do you get a virtual credit card?

Applying for a virtual credit card is basically the same as applying for any regular card. Depending on the virtual credit card, you might notice a few differences to other applications, especially if it's an "instant" virtual credit card. This is because the card issuer needs enough details to very quickly (almost instantly) verify that someone is eligible to be approved.

For example, with the MONEYME Freestyle Virtual Card, you'll need to upload bank statements as part of the application. And with Volopay, you need to log in to your bank account during the application. Once you've been approved for a virtual card, you can usually start spending right away.

Or, you might be applying for a standard credit card that happens to offer mobile wallet functionality. All the Big 4 banks and many smaller banks offer the ability to add your credit card to your smartphone wallet.

Can I use a virtual credit card immediately after approval?

When you're approved for a virtual credit card, you can start using them as soon as you're approved.

Usually, you'll get a digital copy of the card number, expiry date and CVV that you can use to pay online or over the phone. You can also shop in-person at any store that accepts contactless payments by adding the card to a mobile wallet. Some accounts also come with a plastic credit card, but a few cards are totally digital.

What are mobile wallet cards?

When you add a card to Apple Pay, Google Pay or another mobile wallet, it creates a virtual "copy" of your credit card that you can use to make payments from the app. Mobile or digital wallets typically create a virtual account number that's used for payments, instead of using the numbers printed on your plastic credit card. This feature – along with thumbprint or other ID authentication – helps keep the account safe.

"Over the past 15 years, there has been a striking shift from paying by cash to cards... These days, transactions mainly just involve tapping a card or a mobile device that securely stores card details."

Ellis Connolly, RBA head of payments policy

Reserve Bank of Australia

Example: A virtual account number in Google Pay

In the Google Pay smartphone app, you'll see an image of your card without the numbers, along with some encrypted details of your virtual account number that's used when you tap to pay at the checkout.

What about business and corporate virtual credit cards?

The first virtual credit cards to be widely used in Australia were for business and corporate use. These accounts give businesses a way to manage finances without issuing lots of traditional credit cards to employees.

Some business virtual cards (including expense management cards) also let you generate virtual card and account details for payments, either for single-use or ongoing spending that could be restricted to certain types of transactions. These features mean virtual cards can give you more flexibility and a greater level of financial transparency compared to traditional business and corporate credit cards.

• Table: Business and corporate virtual cards

  Card	Features
  AirPlus Virtual Cards	Central company account with a monthly invoice for all transactions Customisable statements Generate instant, virtual Mastercard credit card numbers for payments Limit virtual card numbers for a specific purpose, currency, spending limit and time period
  American Express Go	Program administrators can issue virtual cards for employees directly through the American Express Go portal Spending is through an app, rather than with a traditional credit card Employees can start using virtual cards as soon as they are issued Customisable fields including cost centres and spending limits. Reports and reconciliation details through the portal
  CommBank virtual cards for businesses	Choice of virtual cards for travel or virtual cards for procurement Unique card numbers for different transactions, linked back to the central account Payment options: restrict to single-use, set date range, dollar value or individual merchant Integration with finance systems
  Weel	Unlimited virtual corporate cards linked to one account Cards can be issued instantly Customisable limits based on merchants and/or transaction values Real-time data feeds for transactions and budgets. Automatic recording of merchant data, GST and GL codes for each transaction
  HSBC Virtual Card	Generates unique account and card numbers for every transaction Real-time management of cards Customisation for cards, including transaction-level control Online management and reporting tools
  Volopay	Generates instant virtual cards for online spending, vendor payments and subscriptions Option of physical Visa cards for employees Domestic and international money transfers Instant transaction data for the person using the virtual card, the budget owner and the company administrator Budget and spending customisation Up to 2% cashback on foreign currency transactions Preload funds and allocate to different virtual cards or physical cards Apply for up to $100,000 credit
  Westpac Virtual Card	Virtual card with a 16-digit card number, expiry date and CVV (like a traditional card) Online processing No cash-out or cash transfer function Accounts can be set up by business or individual departments Range of reporting and integration options

  As well as banks and traditional credit card issuers, there are business and corporate virtual cards from a mix of other companies that specialise in business solutions. This gives you more options if you're looking for virtual cards for work.

Pros and cons of virtual credit cards in Australia

Frequently asked questions

• What happens if you lose your phone?

  Report your phone as lost or stolen as soon as you can by logging in to your account. From there, you'll be able to lock, track or even erase your phone details so that no one can access your private information – including any digital or virtual cards stored on it.

• Are virtual credit cards safe?

  Virtual cards are as secure as a traditional credit card – and sometimes could be even more secure because the virtual card numbers can be changed for each transaction. Every virtual card has different features, but some of the key security options include:

  • Unique card numbers. Some virtual cards let you generate a specific card number for each transaction, or for very specific types of transactions. This makes it very hard for a fraudster to use the card for unauthorised transactions.
  • Dynamic CVVs. Traditional credit cards come with a 3- or 4-digit CVV or CVC number that you need to make payments online or over the phone. While that number always stays the same on a physical card, virtual cards can offer CVVs that change regularly, or per transaction.
  • Encrypted details. Both online and contactless payments made from a virtual card use encrypted data so that the account details are protected.
  • Zero liability and fraud monitoring. Both traditional and virtual credit cards in Australia offer zero liability policies so you can get your money back from fraudulent transactions. Most also offer fraud-monitoring technology to flag any suspicious activity.

• Can I use a virtual credit card in the same way as a physical card?

  Most of the time, you can use a virtual credit card with any business that accepts traditional credit card payments. But there are a some situations when a virtual card may not be accepted, including:

  • When a payment terminal or system isn't set up for contactless payments
  • If a hotel booking requires a credit card and/or other ID when you check-in
  • If you need to present the card as proof of purchase

  In these situations, a virtual card either won't work when you try to pay or won't show the details that are needed by the business (such as a hotel). So it's a good idea to keep your plastic card handy – or to check if your virtual card will be accepted before you leave with only your phone.

• How many virtual credit cards are there in Australia?

  Finder maintains a database of every credit card we can find and as of April 2025, we've found 12 providers that offer virtual credit cards for personal spending. These are: Bankwest, Bendigo Bank, Wizit, Latitude Financial, MONEYME, NAB, St.George, Citi, BankSA, Bank of Melbourne, Volopay and Westpac. Between them, there are around 70 virtual credit cards on offer.

• What are the disadvantages of a virtual credit card?

  A major disadvantage is that it relies on technology working. If your mobile phone loses power, you won't be able to pay with a virtual credit card, for example. A virtual credit card also isn't suitable if you need to present your card for proof of purchase or as security for hotels or car hire.

  In comparison, a traditional credit card can be used even if a payment machine's contactless reader isn't working, and is often preferred for car hire, hotel bookings and proof of purchase. So, it's ideal to have more than one payment option available.

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 543 Finder guides across topics including:

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Co-written by

Sarah Megginson

Personal finance expert + media spokesperson

With over 20 years of experience in property, finance and investment journalism, Sarah is a trusted expert whose insights regularly appear across television, radio, and print media, including Sunrise, ABC News, and Yahoo! Finance. She has previously served as managing editor for Your Investment Property and Australian Broker, and her expert advice has been shared over 2,500 times in 2023-2024 alone. Sarah holds a Bachelor’s degree in Communications and a Tier 1 Generic Knowledge certification, which complies with ASIC standards. See full bio

Sarah's expertise

Sarah has written 200 Finder guides across topics including:

• Home loans
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