Secure Virtual Credit Cards - Protect Your Finances

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How Does a Virtual Credit Card Work?

Once you apply for a virtual credit card or a virtual CC, you get a credit card similar to a physical card on your mobile phone with some coded digits of the card number. Besides the card, you also get controls such as blocking or unblocking the card, setting credit card limits, and more in the card’s setting session.

You can tap your phone to make payments or even use the credit card details for online payments. These features make payments and purchases significantly faster, safer, and more ergonomic.

Note: If you would prefer not to use your phone to make payments, you can also obtain a real card.

Difference Between Virtual Credit Cards and Digital Credit Cards

Tabled below are the key differences between virtual credit cards and digital credit cards —

Basis	Virtual Credit Card	Digital Card
Form	Issued electronically and used for one-tap payments and online shopping purposes	Virtual representations of physical credit cards
Application Process	More convenient and quicker process	You need to first apply for the physical card, which makes the whole process tedious
Receiving Funds	Works as your mobile wallet and makes it easy for you to receive funds	Digital cards can be used only for payments
Usage	You can use only one virtual card number for each transaction — the app issues a new number for every transaction	You can use one digital card to make all the payments
Security	More secure as the app issues a unique virtual credit card number for each transaction, which reduces the risk of card theft	As card details get stored on apps and merchant websites, it is more prone to theft

Top Virtual Credit Cards in the UAE

Here are the top virtual credit cards UAE —

Cards	Apply
HSBC Virtual Credit Card Card-free and seamless transactions Fraud protection Opportunity to negotiate better terms with the providers Complete control, security, and compliance Enhanced working capital management	Apply Now View Offers
Emirates Islamic Virtual Credit Card Set transaction controls in the following categories — Supplier category Transaction amount Number of card uses Date range in which the card can be used Can be generated when required post-approval Valid for single use or a specified number of uses	Apply Now View Offers
Pyypl Virtual Visa Credit Card No paperwork required to apply for the card Accessible at over 100 million stores worldwide Round-the-clock control 3D-secure technology	Apply Now View Offers

Cards

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HSBC Virtual Credit Card