Top virtual Visa cards in South Asia

Virtual Visa cards let you make online payments without carrying a physical card. Get a closer look at top virtual visa cards in South Asia

Key takeaways

• Virtual Visa cards provide digital card details for online payments without requiring a physical card
• MTB’s Visa Virtual Debit Card is designed for local BDT transactions in Bangladesh
• Allied Bank and Zindigi offer instant Visa virtual debit cards in Pakistan for domestic and international e-commerce
• DBBL’s Visa Gold International Credit Card provides international Visa acceptance with a credit facility
• Halocard provides US-issued Visa virtual cards for online and international payments
• The World Card is a Mastercard-powered virtual card for business payments linked to the multi-currency World Account

From online purchases and subscriptions to international transactions, Visa cards can give businesses access to a broad network of merchants and digital payment services. In South Asian countries like Bangladesh, Visa holds more than 70% of the card market and collaborates with 54 banks.

This guide looks through virtual Visa cards in Pakistan and Bangladesh, alongside the World Card, which is a multi-currency card by WorldFirst.

What is a virtual Visa card?

A virtual Visa card is a digital payment card that provides a card number, expiry date and security code without requiring a physical card. Depending on the issuer, it can be linked to a business bank account, wallet or pre-funded balance, or operate against an approved credit limit.

Virtual cards can be used for online shopping, subscriptions, software payments and other e-commerce transactions. Features vary by provider, including instant issuance, 3D Secure authentication, spending controls and international transaction support.

Top virtual visa cards in South Asia

1. MTB Visa Virtual Debit Card

Mutual Trust Bank’s Visa Virtual Debit Card gives account holders in Bangladesh a digital way to make everyday payments.1 It can be created through the MTB Smart Banking App and used for e-commerce, QR payments and Cash by Code transactions.¹

The card operates in local currency, so it is not designed as a foreign currency account or for international payments.¹ It is valid for up to five years and can be renewed on request.1 MTB also lists discounts at 500+ merchant outlets.¹

Pricing: Annual fee of BDT 500²

*Fees checked September 2026

2. Allied Bank Virtual Visa Debit Card

The Allied Virtual Visa Debit Card is designed to make online payments globally wherever Visa is accepted.³ Allied Bank debit cardholders in Pakistan can generate it through myABL and begin using it once created.³

It supports Visa 3D Secure and can be used on local and international websites that accept Visa, including e-commerce platforms, app stores, subscriptions and online service providers.³ The card is connected to an existing Allied Bank account, with transactions funded from the available account balance.³

Pricing: PKR 350 annual fee plus applicable taxes⁴

*Fees checked September 2026

→ Here’s a guide to USD to PKR exchange rate

3. Zindigi Virtual Visa Debit Card

Zindigi’s Virtual Visa Debit Card provides an app-based option for digital payments in Pakistan.⁵ Users can order the card through Zindigi and use it for domestic and international e-commerce without needing a physical card.⁵

The card is funded from the Zindigi account balance, so spending is limited by available funds.⁵ Users can block or unblock the card, enable or disable international transactions and set spending limits directly from the app.⁵

Pricing: A one-time issuance fee of PKR 199 applies, with no published annual fee for the virtual card⁶

*Fees checked September 2026

4. Dutch-Bangla Bank (DBBL) Visa Gold International Credit Card

The DBBL Visa Gold International Credit Card is an EMV-enabled Visa credit card designed for international POS, ATM and e-commerce transactions.⁷ It provides Bangladeshi users a credit facility rather than drawing directly from an existing account balance.⁷

DBBL lists a maximum unsecured limit of BDT 1 million or equivalent USD and up to BDT 2.5 million against liquid security, subject to applicable foreign exchange rules.⁸ The card also supports supplementary cards and does not charge a cash-advance fee for withdrawals from DBBL ATMs.⁷

Pricing: The annual/renewal fee starts at BDT 500 for the lower credit-limit band after the first year, rising according to the applicable credit limit (first year free)⁹

*Fees checked September 2026

5. Halo Card

Halo Card is a US-issued Visa virtual card that can be created online for digital and international payments in Pakistan and Bangladesh.^10,11 It is available to users in multiple countries and does not require US residency.^10,11 Cardholders can fund the account through supported bank transfers, cards, cryptocurrency or stablecoins, with balances held in USD.¹⁰

Cards can be created quickly and managed online, with features including spending limits, instant freezing, disposable cards, 3D Secure and Apple Pay and Google Pay support.¹⁰ The card can be used online and in person wherever Visa is accepted.¹⁰

Pricing: Plans start at US$12 per month for three virtual cards. Non-USD purchases carry a 1.5% FX fee, while USD purchases have a zero FX fee¹⁰

*Fees checked September 2026

The World Card: A Mastercard-powered business payment card for global operations

The five cards above use the Visa network and are primarily designed around personal banking, wallets, individual online payments or are linked to a credit facility. The World Card is a different type of product: it is a Mastercard-powered virtual card from WorldFirst, linked directly to the World Account, a multi-currency account used for business payments.

The World Account acts as the funding source for the World Card. A business can receive international payments and hold the balances in supported currencies, such as USD, GBP and EUR. When a World Card payment is made, the amount is deducted directly from the relevant currency balance. Any payments made in the 15 supported currencies carry zero fees.

The card can be used for software, advertising, cloud services, subscriptions and other business payments. It supports payments in 150+ currencies wherever Mastercard is accepted. Up to 20 virtual cards can be created, with spending controls available for individual cards.

Key features of the World Card

• Payments in 150+ currencies wherever Mastercard is accepted globally
• Linked directly to the World Account’s multi-currency balances
• Up to 20 multi-currency cards at zero issuance cost
• Individual spending limits and card controls
• Freeze and unfreeze cards in real time
• Xero and NetSuite integrations for account reconciliation
• World Account supports 15+ currencies including USD, GBP, EUR, JPY, CNH and more

*Fees checked in September 2026

→ Know everything you need to know about virtual cards for freelancers

FAQs

1. What should you look for in a virtual Visa card?

Check the card’s issuance fee, annual fee, funding method, supported currencies, international acceptance, spending limits and security controls. International users should also check foreign exchange and cross-border transaction charges.

2. How to get an instant virtual Visa card?

Eligible customers can create some virtual Visa cards directly through a banking or wallet app. Allied Bank and Zindigi provide app-based virtual Visa cards, while MTB issues its Visa Virtual Debit Card through the MTB Smart Banking App.

3. Where can you use a virtual Visa card?

Acceptance depends on the issuer and merchant. Virtual Visa cards may work for e-commerce, subscriptions, software, travel bookings and other online services, while some cards are restricted to domestic transactions. MTB’s Visa Virtual Debit Card, for example, is limited to local-currency transactions.

Sources

1. https://www.mutualtrustbank.com/cards/debit-card/visacard/visa-virtual-debit-card/
2. https://www.mutualtrustbank.com/wp-content/uploads/2026/07/Schedule-of-Charge-MTB-Conventional-Credit-Card-v2.pdf
3. https://www.abl.com/personal/cards/debit-cards/allied-virtual-visa-debit-card/
4. https://www.abl.com/services/downloads/schedule-of-charges/
5. https://zindigi.pk/zindigi-launches-visa-virtual-debit-card-one-click-to-a-fully-digital-payment-experience/
6. https://zindigi.pk/features/order-a-card/
7. https://www.dutchbanglabank.com/electronic-banking/credit-cards.html
8. https://www.dutchbanglabank.com/electronic-banking/PDF/DBBL-Credit-Card-Features.pdf
9. https://www.dutchbanglabank.com/electronic-banking/visagoldintcredit.html
10. https://halocard.co
11. https://support.halocard.co/en/article/is-halocard-available-in-my-country-4y4wy1/

This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.