World Card vs Wise Business card Singapore: Fees and features comparison [2026]
- Last update:
Looking for a multi-currency card in Singapore for your business? Compare the World Card by WorldFirst with the Wise Business card on fees, features and currency support in one place.
Smarter business spending starts here
Earn up to 1.2% cashback on business purchases, with 0% FX fees in 15 currencies.*
*T&Cs apply
Key takeaways
- The World Card supports payments in 150+ currencies wherever Mastercard is accepted, with zero foreign exchange fees when there is a sufficient balance in one of 15 supported currencies
- WorldFirst lets you issue up to 20 virtual World Cards from a single account at no extra cost; Wise allows up to three digital cards at a time per user
- The Wise Business card supports payments in 40+ currencies across 160+ countries, and requires a one-time S$99 fee to open a Wise Business account
- Both cards are Mastercard-powered
Managing business spending across multiple currencies can get complicated fast. You may have suppliers in China invoicing in CNH, SaaS tools charging in USD and local expenses running in SGD. A multi-currency card can help by letting you pay directly from the currency balance held in your account, without converting on every transaction.
Two cards often compared for this in Singapore are the World Card by WorldFirst and the Wise Business card. Both are Mastercard-powered and both are linked to a multi-currency account that holds foreign currency balances. They differ on fees, supported currencies and how many cards a business can issue.
This guide compares the two on the features that matter most for business spending.
What is the World Card?
The World Card is a Mastercard-powered virtual business payment card linked to the World Account. It supports payments in 150+ currencies wherever Mastercard is accepted, including online, in-store and on Apple Pay and Google Pay.
When you pay in one of the 15 supported spending currencies and have a sufficient balance in that currency, card payments are processed without foreign exchange fees. When there is no matching balance, the required amount is converted from your available currency balances at competitive exchange rates.
The World Card is issued at no cost, and businesses can issue up to 20 virtual cards from a single account at no extra cost. Each card supports custom spending limits, real-time transaction tracking and instant freeze or cancellation through the WorldFirst dashboard or mobile app.
Cashback on eligible World Card spending is available, terms and conditions apply.
What is the Wise Business card?
The Wise Business card is a Mastercard-powered business debit card linked to the Wise Business account. It supports online and in-store payments in 40+ currencies across 160+ countries.¹
To get a Wise Business card, businesses need to open a Wise Business account, which comes with a one-time fee of S$99.² When you pay in a currency already held in the account, the card uses that balance directly.
Wise Business account holders can issue up to three digital cards at a time per user, alongside a physical card.³ To issue a new card beyond that, an existing card needs to be deleted and replaced.³
→ Read the Wise business account review for a detailed look at the account and its features
World Card vs Wise Business card: The fee breakdown
| Fee type | World Card | Wise Business card² |
|---|---|---|
| Card issuance fee | Zero for up to 20 virtual cards | Zero, but requires a Wise Business account with a one-time fee of S$99 |
| Annual fee | Zero | Zero |
| Top-up fee | Zero | Zero |
| Card transactions (matching balance) | Zero foreign exchange fee when there is a sufficient balance in one of 15 supported currencies | Zero foreign exchange fee when paying in a currency held in the account |
| Card transactions (currency conversion needed) | Up to 0.6% conversion fee | Starts from 0.23% conversion fee |
*Fees checked in June 2026. Terms and conditions apply.
World Card vs Wise Business card: Feature comparison
Card usage and supported currencies
The World Card supports payments in 150+ currencies wherever Mastercard is accepted. When you have a balance in one of the 15 supported spending currencies, card payments are processed without foreign exchange fees.
The Wise Business card supports payments in 40+ currencies across 160+ countries.¹ When you have a balance in the currency you are paying in, the card uses it directly. Otherwise, Wise converts the required amount from your available balance at the applicable exchange rate.²
Number of cards for your team
The World Card lets businesses issue up to 20 virtual cards from a single account at no extra cost. Each card supports custom spending limits and real-time tracking, which makes it easier to manage team expenses under one account.
The Wise Business card allows up to three digital cards at a time per user, alongside a physical card.³ To issue a new digital card beyond that, an existing card needs to be deleted and replaced.³ Each user in a Wise Business account can hold their own set of digital cards.³
Multi-currency account behind the card
The World Card is linked to the World Account, which lets businesses hold funds in 20+ currencies including SGD, USD, GBP, EUR, AUD, NZD, CNH, HKD and JPY. There is no fee to open the account or to open local currency accounts within it.
The Wise Business card is linked to the Wise Business account, which supports 22 currencies with local account details in major currencies including SGD, USD, EUR and GBP.⁴ Opening the Wise Business account comes with a one-time fee of S$99.²
Security
Both cards use 3D Secure (3DS) authentication, an additional layer of protection for online transactions that helps reduce card fraud. During checkout, cardholders are typically sent a verification code by SMS or email to confirm the transaction.
Both cards can also be frozen instantly through their respective apps if a card is lost or misused.
Choosing between the World Card and the Wise Business card
The World Card and the Wise Business card both help businesses in Singapore manage international spending, and both use Mastercard for global acceptance. The choice depends on your currencies, how many cards your team needs, and how much you are willing to pay upfront to access a multi-currency account.
Smarter business spending starts here
Earn up to 1.2% cashback on business purchases, with 0% FX fees in 15 currencies.*
*T&Cs apply
Sources:
- https://wise.com/help/articles/2935771/where-will-my-wise-card-work
- https://wise.com/sg/pricing/business
- https://wise.com/help/articles/1AqrRndtxosydM2GLR3U6T/getting-started-with-your-wise-digital-card
- https://wise.com/sg/business/
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.
Joan Poon leads marketing across Southeast Asia at WorldFirst, driving growth and brand leadership in key markets including Singapore, Malaysia and the Philippines.
Joan Poon
Author
Head of Marketing SEA, WorldFirst Singapore
Continue reading
You might also like
Choose a product or service to find out more
