Best virtual debit cards for international payments in Singapore

Virtual cards let businesses pay online instantly without a physical card. Explore seven virtual debit cards in Singapore and compare their features, currencies, fees and card options

Key takeaways

• Virtual debit cards let users make online payments directly from a linked account balance without carrying a physical card
• World Card is a virtual multi-currency card supporting 150+ currencies and up to 20 virtual cards
• Wise Card is available as virtual and physical cards, supporting 40+ currencies and spending in 160+ countries
• Airwallex offers virtual and physical multi-currency cards, with up to 10 company cards and two no-cost employee card users
• Revolut Business offers virtual and physical cards, with up to 50 virtual cards per team member and spending in 150+ currencies
• OCBC, UOB and DBS offer business debit cards, with digital or physical card options

Singapore’s cards and payments market was valued at US$24.12 billion in 2025 and is projected to reach US$26.45 billion in 2026. Cards are widely used in Singapore, with 1.73 debit cards per person.

This guide looks at seven virtual debit cards in Singapore, including the multi-currency card by WorldFirst, the World Card, and covers their supported currencies, fees, spending controls and business payment features.

What is a virtual debit card?

A virtual debit card is a digital payment card that can be used for online purchases, subscriptions and other card payments without requiring a physical card. It is usually linked to an account balance, so transactions draw from available funds rather than a credit limit.

Top virtual debit cards in Singapore for international payments

1. World Card by WorldFirst

The World Card is a Mastercard-powered virtual debit card linked to the World Account, a multi-currency account for businesses. Funds held in the World Account can be used to pay directly with the card. It supports payments in 150+ currencies, while payments in 15 supported currencies can be made from the balance without FX markups when sufficient funds are available. Businesses can create up to 20 virtual cards, set individual spending limits, freeze cards and track transactions. Apple Pay, Google Pay, Xero and NetSuite are also supported.

Key features:

• Connect directly to the World Account and access balances across 20+ currencies, including SGD, USD, GBP, EUR, CNH, AUD, NZD, JPY and HKD
• Pay with zero transaction fees in 15 supported currencies when sufficient funds are held in the relevant currency
• Manage card controls in real time, including spending limits and freeze or unfreeze options
• Earn cashback on eligible transactions (Terms and Conditions Apply)
• Add the multi-currency card to Apple Pay and Google Pay for digital wallet payments
• Integrate with Xero and NetSuite to support transaction reconciliation
• Receive virtual cards instantly

Pricing: Zero card issuance and annual fee. Zero foreign transaction fee when paying in any of the 15 supported currencies, provided sufficient balance is held in that currency

*Fees checked in September 2026

2. Wise Card

The Wise Business Card is a debit card linked to a Wise Business account, with physical and virtual versions.¹ Businesses can hold 40+ currencies and spend online or in-store in 160+ countries.^1,3 Up to 3 virtual cards can be created at a time.¹

Users can freeze cards, receive transaction notifications and set spending controls.³  Apple Pay and Google Pay are supported.¹  The Wise virtual card is also available for personal accounts in Singapore.¹

Pricing: Zero, but requires a Wise Business account with a one-time fee of S$99.Top-ups may incur a 2% fee for certain currencies and transactions⁴

*Fees checked in September 2026

→ See how the World Card vs Wise card compare for business spending

3. Airwallex Corporate Cards

Airwallex offers virtual Visa debit cards linked to its multi-currency account supporting 20+ currencies.⁵  Businesses can create virtual employee and company cards instantly and use them for online and in-store payments in multiple currencies.⁵

Cards can draw directly from held currency balances, while available funds can be converted when the required currency is not held.⁵  Businesses can set spending limits, restrict merchant categories and freeze or cancel cards.⁵ Employees can make payments in multiple currencies using virtual or physical cards, as well as Apple Pay and Google Pay.⁵

Pricing: Paid plans start at S$0-S$29/month.⁶ The basic plan includes up to 10 company cards and 2 no-cost employee card users.⁶

*Fees checked in September 2026

→ For a closer look at Airwallex’s corporate card, see this detailed Airwallex card review

4. Revolut Business Card

Revolut Business provides virtual corporate debit cards that can be accepted wherever Mastercard or Visa is accepted.⁷ Businesses can create up to 50 active virtual cards per team member at no cost, while each member can hold up to three active physical cards.⁷

Cards support spending in 150+ currencies, with payments drawn from balances in up to 34 currencies or converted automatically when needed.⁷ Businesses can set spending limits, restrict categories, currencies and spending periods.⁷

Pricing: Physical and virtual corporate cards cost zero, but the Revolut business account may have a monthly fee attached to it depending on the plan you choose⁸

*Fees checked in September 2026

→ See this Revolut Singapore review for a closer look at its business account, card features and fees

5. OCBC Business Debit Card

The OCBC Business Debit Card is linked to an eligible SGD business account and provides access to a digital card after approval.⁹  The digital card can also be added to Apple Pay, Google Pay and Samsung Pay.⁹

Businesses can use it for online, local and international payments wherever Mastercard is accepted.⁹ The card details can be accessed through the OCBC Business app or OCBC Velocity.⁹

Pricing: Zero issuance fee with an eligible OCBC Business Growth Account.¹⁰ Foreign currency transactions incur a 2.8% conversion fee¹⁰

*Fees checked in September 2026

→ Here’s the full OCBC business debit card review

6. UOB Business World Debit Card

The UOB Business World Debit Card is linked to a UOB SGD Business Account and supports local and overseas business spending.¹¹ It carries zero FX fees on overseas foreign currency spending, (subject to the applicable terms) and offers cashback on eligible local spending.¹¹

Pricing: Zero FX fees on overseas spending, with no minimum spend or cap.¹¹ Annual fee costs S$36.67, waived for the first three years¹¹

*Fees checked in September 2026

→ Read the UOB vs OCBC comparison for a closer look at their cards

7. DBS Business Advance+ Card

The DBS Business Advance+ Card is a business debit card linked to a DBS Business Multi-Currency Account or DBS Corporate Multi-Currency Account supporting 13+ currencies.¹² It supports foreign currency spending and offers zero FX fees across 200+ countries by converting their SGD account into a Business Multi-Currency Account.¹²

Pricing: Zero annual fee.12 3.25% FX fee on top of the prevailing exchange rate¹²

*Fees checked in September 2026

FAQs

1. How do I get an instant virtual debit card in Singapore?

The process varies by provider. Some services issue virtual cards immediately after account verification, while bank-issued digital cards may become available after the business debit card application is approved.

2. Is there a no-cost virtual debit card in Singapore?

Some providers offer zero-cost business virtual card creation or digital cards like the World Card, although account, conversion, transaction or physical card fees may still apply.

3. What is the difference between a virtual debit card and a virtual credit card?

An online virtual debit card normally draws directly from an available account balance. A virtual credit card uses an approved credit facility, with spending repaid later according to the card’s terms.

Sources

1. https://wise.com/sg/card/
2. https://wise.com/sg/card/young-explorer
3. https://wise.com/sg/virtual-card/
4. https://wise.com/sg/pricing/card-fees?sourceAmount=1000&sourceCurrency=SGD&targetCurrency=USD&track=false
5. https://www.airwallex.com/global/spend-management/cards
6. https://www.airwallex.com/en-au/pricing
7. https://www.revolut.com/en-SG/business/cards/
8. https://www.revolut.com/en-SG/business/business-account-plans/
9. https://www.ocbc.com/business-banking/smes/transactions/business-debit-card?qualtric=faq
10. https://www.ocbc.com/assets/pdf/debitcard-fee-charge.pdf
11. https://www.uob.com.sg/business/transact/cards/uob-business-world-debit-card.page
12. https://www.dbs.com.sg/sme/day-to-day/business-cards/dbs-visa-business-advance-plus-debit-card

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.