Best Virtual Cards in Australia (August 2026)
Discover the best virtual card providers available to consumers and businesses in Australia. Compare instant, secure digital cards for online spending, subscriptions, and travel.
See 2 virtual card providers available in Australia
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There are 2 virtual card providers available in Australia.
Last updated August 2026
est. 2016
All-in-one solution to control corporate spending
Available in
Australia and 36 other countriesAvailable for
est. 2011
Money for here, there and everywhere.
Available in
Australia and 176 other countriesAvailable for
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Which virtual card providers are best for residents of Australia?
These providers issue personal virtual cards to people living in Australia, ranked by our overall score.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
Which virtual card providers are best for businesses in Australia?
These providers issue virtual cards to companies registered in Australia, ranked by our overall score.
- Wallester – Wallester Business offers a comprehensive platform for managing corporate expenses, providing virtual and physical Visa cards along with real-time transaction monitoring and automated reporting.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
Virtual card FAQs for Australia
Common questions about using virtual cards in Australia.
What is a virtual card?
A virtual card is a digital-only payment card issued instantly to your app, with its own number, expiry date, and security code — with no plastic to wait for.
Are virtual cards available in Australia?
Yes. Several providers issue virtual cards to residents of Australia, and you can compare them on this page.
Are virtual cards safe to use online?
Virtual cards are generally safer than a physical card online: many let you freeze, delete, or set a spending limit per card, so a leaked number can be cancelled without touching your main account.
Can I add a virtual card to Apple Pay or Google Pay?
Most virtual card providers in Australia let you add the card to Apple Pay, Google Pay, or Samsung Pay, so you can tap to pay in stores too.
Can I get a free virtual card in Australia?
Many providers offer a free virtual card on their entry-level plan in Australia; premium tiers add features such as disposable or multi-use cards.
What is the difference between a virtual card and a physical card?
A virtual card exists only as a number in an app, while a physical card is the plastic you carry. Both draw on the same account; the virtual one is issued instantly and is easy to cancel.