Virtual credit card

What is a virtual credit card?

Don’t you just love browsing through online stores? You get to see items that are not available in any physical store in the Philippines. Once you’ve checked out, uh oh! You need a credit card as a means of payment. While you don’t mind using your credit card, what about for online shops that hassmall online presence where your purchase comes with a certain risk? If you have no other option, you can use a virtual credit card to pay for your purchases.

A virtual credit card is randomly-generated card number connected with your actual credit card. You may be able to set a limit of charge for the virtual number depending on the issuer. The virtual credit card appears to be an ordinary credit card, so you can make your purchases without worry. You can also set the expiry date up to a year from its creation date.

Why should I get a virtual credit card?

While you can use your actual credit card for big online stores like Lazada and Amazon, online stores with little online presence come with some risks. While you can check for reviews people vouching for their legitimacy, the merchant has your billing address as well as your credit card information. That’s enough information for a dodgy merchant to use your credit card unauthorized. With a virtual credit card, you can rest assured that your purchase is safe even if the online shop is iffy.

Where can I get a virtual credit card?

Virtual credit cards are your best option when you are troubled about any fraud while shopping online. The list below shows you issuers that offer a virtual credit card:


With a PayMaya, you can pay for your online purchases easily without having a credit card. PayMaya instantly generates a virtual credit card that you can load up with cash where you can get either a virtual prepaid MasterCard or Visa. 

How to get one?

Getting PayMaya is free and easy. All you have to do is download the app and create your account. You can load up your PayMaya at any physical store like MiniStop, 7Eleven, Robinsons, SM Store, BDO, Smart Money and much more!


BDO is one of the bank issuers that offer an online credit card. Experience online shopping with just a click away. The virtual card is exclusively designed for online use wherein the virtual card is linked to your BDO credit card account. You can also adjust your limit of purchasing. Isn’t that awesome?

How to get one?

If you want to get a BDO virtual card, you can go to their official website to apply.

You can avail virtual credit cards from different banks available in the Philippines. Virtual credit cards are specifically used for online purchases. With an online credit card, you can shop at ease at any online shopping store knowing that your information is protected.

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