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Virtual credit cards

Apply, get approved and start shopping on the same day with a virtual credit card – compare your options and see how they work.

A virtual credit card is a digital version of a credit card that you can use for the same kinds of payments as traditional, plastic cards. But the virtual card's details are stored online or in an app, which means you could use it even before a new plastic card arrives in the mail.

Compare virtual credit cards

Name Product Purchase rate p.a. Interest-free period Balance transfer rate p.a. Annual fee

Latitude 28° Global Platinum Mastercard

Latitude 28° Global Platinum Mastercard
Up to 55 days on purchases
Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.

Bankwest Breeze Classic Mastercard

Bankwest Breeze Classic Mastercard
0% for 12 months, then 12.99%
Up to 55 days on purchases
0% for 12 months with 2% balance transfer fee, then 12.99%
Save with 0% p.a. on purchases and balance transfers for 12 months (with a 2% BT fee).

Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard
0% for 12 months, then 12.99%
Up to 55 days on purchases
0% for 12 months with 2% balance transfer fee, then 12.99%
Get 0% p.a. interest on purchases and balance transfers for 12 months (with a 2% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.

MONEYME Freestyle Virtual Card

MONEYME Freestyle Virtual Card
Up to 55 days on purchases
A virtual, instant-use card that offers up to 55 days interest-free and the ability to transfer money to your bank account.

Westpac Flex Card

Westpac Flex Card
Offers a $1,000 credit limit, 0% foreign transaction fees and $0 monthly fee when you pay the previous month's balance in full.

Latitude GO Mastercard

Latitude GO Mastercard
Up to 55 days on purchases
Choose from 3 interest-free payment plans and and save with a $0 monthly fee when you carry a balance of less than $10.


Offers an instant, virtual credit card with 0% interest on purchases and a monthly fee instead.

Bendigo Bank Qantas Platinum Credit Card

Bendigo Bank Qantas Platinum Credit Card
Up to 55 days on purchases
Offers Qantas Points per $1 spent, 90 days of comprehensive travel insurance and extended warranty on purchases.

Types of virtual credit cards

Any credit card that is stored virtually in an app or online account is technically a type of virtual credit card. This includes cards stored in Apple Pay, Google Pay and other mobile wallets.

But 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

These are credit cards you can apply for and start using 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 banks give you an instant virtual card in Australia?

Bankwest, Bendigo Bank and Westpac are among the banks that offer virtual credit cards you can start using once you're approved. Here are some more details on different instant, virtual credit cards you can get in Australia, including whether they are virtual-only or send you a physical card as well.

Bank or brandCard typeDetails
Bankwest credit cardsVirtual and physical cardsBankwest credit cards can be set up through the bank's app. You can then use the card number and other details to make payments or link it to a mobile wallet.
Bendigo Bank credit cardsVirtual and physical cardsBendigo Bank personal credit cards can be set up virtually through the bank's app, then linked to Apple Pay immediately.
Latitude credit cardsVirtual and physical cardsLatitude credit cards can be set up virtually through the Latitude app, then linked to your Apple or Android mobile wallet so you can use it before you get the physical card.
MONEYME Freestyle Virtual CardVirtual card onlyThis completely virtual credit card is stored on the MONEYME App and can be used with Apple Pay or Google Pay, anywhere Mastercard is accepted (both online and offline).
Westpac Flex CardVirtual and physical cardA no interest, flat fee credit card that offers a virtual card you can start using once your application is approved.
WizitcardVirtual card onlyA completely virtual credit card that charges no interest, with a flat monthly fee instead. You can start using it once your application is approved, anywhere Mastercard is accepted.

Most of these credit cards come with a virtual card that you can use before you get the physical card. But even the completely virtual cards can be used for most spending, as they are Mastercard or Visa cards.

💡 Tip: Mobile payments made up 35% of card transactions in the June quarter of 2023. And data from the Reserve Bank of Australia shows this is a growing trend. So if you want to make virtual payments most of the time, it's worth comparing app store reviews as well as credit card features, rates and fees to help you can choose a card.

2. 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.

These days, transactions mainly just involve tapping a card or a mobile device that securely stores card details.”

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.

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's a virtual account number?

💡 Tip (for Apple Pay): If you need to replace a credit card that's been added to Apple Pay, the app will automatically update the details. This can happen before the physical credit card arrives in the mail, although you would still need to activate the card to start using it.

3. 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.

What about prepaid virtual cards?
While not technically "credit cards", you can get prepaid digital Mastercard and Visa cards in Australia. Usually, these are gift cards that you buy pre-loaded with a set amount of money and can use until that amount has been spent.

Pros and cons


  • Instant access. Some virtual cards can be used as soon as your application is approved, or when you're waiting for a new plastic card in the mail.
  • Data encryption. All virtual card apps and digital wallets encrypt your personal and financial data to help keep it safe.
  • Mobile payments. With a virtual credit card, you can leave your house with nothing more than your smartphone or device. And you can shop online in just a few taps.
  • Plastic-free. A totally virtual credit card means you'll save on plastic (and credit card plastic is hard to recycle in Australia).


  • Relies on technology working. You won't be able to use your virtual card if your phone battery goes flat or if you don't have an internet connection.
  • May not be accepted when you're travelling. Hotel bookings that require a credit card at check-in won't typically accept a virtual card. And if you're travelling to places where contactless payments aren't available, or don't have mobile roaming, you won't be able to use the card.
  • Potential debt. Getting a virtual card more quickly than a plastic credit card could mean you spend less time thinking about how you'll manage your money and repayments.

How can I get a virtual credit card?

It may be faster to start using a new virtual credit card than one you need to wait for in the mail, but you'll still need to apply and get approved first. This 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 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 the Westpac Flex Card, you need to log in to your bank account during the application.

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.

Frequently asked questions

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