Best Virtual Credit Cards of 2025
Here are the best virtual credit cards for 2025 in Norway:
Offers virtual credit card with Apple Pay and Google Pay: TF Bank Mastercard
TF Bank Mastercard is a credit card with no annual fee that offers discounts in selected stores via Dealpass. The card can be added to your mobile phone via Apple and Google Pay.
- Rabatter hos hundrevis av forhandlere
- Kontaktløs betaling med Apple Pay og Google Pay
- Flere komplette forsikringer
- Gratis kredittkort med lave gebyrer
Offers a virtual credit card via Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.: Bank Norwegian
Bank Norwegian is also a free credit card, but instead gives you either reward points or cashback on all purchases. The card can be used with both mobile phones and wearable watches.
- Gratis uttak av kontanter
- CashPoint eller Cashback – Bonus på alt du kjøper
- Gratis forsikringer
Offers a virtual credit card with Apple Pay and Google Pay.: re:member Black
re:member Black is another free credit card that, like TF, offers discounts in selected stores. The discount is paid as cashback on your credit card bill. You can access the virtual card with Apple or Google Pay.
- Inntil 20 % i rabatt i 200 fysiske butikker og nettbutikker
- Gratis reiseforsikring og avbestillingsforsikring
Offers a virtual credit card with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.: Morrow Bank kredittkort
Morrow Bank credit card is the best cashback card on the market. It is especially advantageous online, as you receive extra high cashback. The virtual card can be linked to iPhone, Android, and Garmin watches.
- Bonus på all handel (4 % hos Komplett.no)
- Gratis reise- og avbestillingsforsikring
- Gratis ID-tyveri- og kjøpsforsikring
Offers a virtual credit card via Apple Pay and Google Pay.: re:member gold
re:member Gold is the budget-friendly option with a low interest rate. You can also add this card to both Apple Pay and Google Pay.
- En av markedets laveste kredittkortrenter
- Inntil 150.000 kroner i kreditt
- Ingen årsavgift
Who Offers Virtual Credit Cards?
- Offers virtual credit card with Apple Pay and Google Pay: TF Bank Mastercard
- Offers a virtual credit card via Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.: Bank Norwegian
- Offers a virtual credit card with Apple Pay and Google Pay.: re:member Black
- Offers a virtual credit card with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.: Morrow Bank kredittkort
- Offers a virtual credit card via Apple Pay and Google Pay.: re:member gold
What is a virtual credit card?
A virtual credit card is a digital copy of a physical credit card. Virtual credit cards function much like their physical counterparts, but with a few exceptions. For instance, you cannot withdraw money from an ATM with a virtual credit card.
Banks that offer digital credit cards usually store them in their online banking platform or a dedicated app. The idea behind digital credit cards is to make them easier and safer to use. You’re less dependent on carrying a physical card everywhere, and virtual cards come with security features that make them even safer to use online.
How do you use a virtual card?
TF Bank Mastercard is one of the cards also available in a virtual version. Instead of carrying the physical card everywhere, you can open the bank’s app or customer portal and find your credit card details there.
Say you want to shop online with the card. Here's how you do it:
- Log into the app.
- Select "View card" from the main menu. This opens a dedicated card page.
- Tap "Show card information" to view your card details.
- Copy the information into the payment fields of the online store you're using.
The card number—the 16-digit code—is the same on both the physical and virtual versions. The cardholder name and expiration date are also identical.
The security code (CVV2), however, is different. It changes every three hours on the virtual card.
If you're making multiple purchases, you’ll need to generate a new code.
You get a new code every time you close and reopen "Show card information."
This is a key reason why virtual cards are considered more secure. Fraudsters have little chance against a security code that updates every three hours or with every purchase.
Where can you use a virtual card?
A virtual credit card is designed for digital use. You can use your virtual card at any online store that accepts credit cards such as Visa, Mastercard, or American Express. You can also use it in physical stores via contactless payment through Google Pay, Apple Pay, or other digital wallets.
Different types of virtual cards
How digital credit cards work can vary slightly between banks. There are several types:
- Clones – These are exact digital copies of the physical card. Everything from the card number to the security code is identical and does not change.
- Dynamic cards – These virtual cards have elements that change regularly. Depending on the card, the card number, expiration date, or security code might update. The most advanced cards update multiple details simultaneously.
- Single-use cards – Some virtual cards are meant to be used only once. These cards usually have different details than the physical version.
Advantages of virtual credit cards
- Enhanced security when shopping online
- Replaces physical cards in many cases – your plastic card can stay safely at home
- Multiple users can shop with the same card independently
- No need to wait for the card to arrive in the mail
- Impossible to lose a virtual card
Disadvantages of virtual credit cards
- Cannot be used in ATMs for cash withdrawals
How long does it take to get a virtual credit card?
If you’ve ever ordered a credit card, you know it can take several days from approval to receiving the physical card and PIN in the mail.
With a virtual version, there's usually no wait. Most banks that offer virtual cards give you access to the digital version as soon as you've signed the credit card agreement. This is why it's possible to get a credit card instantly.
Can all credit cards be virtual?
A virtual credit card is defined as a digital version of a physical card. Instead of pulling out the physical card while shopping online, you find the card in your app or online banking. Not all credit cards are available in virtual versions, but most major banks in Norway offer them today.
Virtual cards are safer to use
When shopping online, virtual cards are a safer payment method. Each transaction uses single-use card details that protect you from fraud. The merchant never sees your actual card number, and the information isn’t stored by the online store.
To complete the purchase, you must authenticate using an app or BankID. This means no one can make purchases with your virtual card without your approval.
Virtual business cards
Virtual corporate credit cards are becoming more popular. Their features make it easier for companies with multiple employees to manage purchases—whether it’s for business travel, office supplies, or digital advertising.
With virtual cards, all transactions are consolidated into one invoice, which simplifies tracking and reporting. Here are some benefits of choosing a virtual credit card for business:
- No risk of losing or having the card stolen
- All purchases are on a single invoice
- Employees don’t need to use personal cards
Can you withdraw cash with a virtual card?
No, you cannot use a virtual card to withdraw cash from an ATM or make other cash transactions. If you need to withdraw money, you must use a physical card.
Do you earn bonus points with your virtual credit card?
Since virtual cards are digital copies of the physical card, the benefits—like rewards, discounts, cashback, or insurance—usually apply to the virtual version as well. "Usually," because there are exceptions. Some retailers don’t register card benefits with virtual card use.
Trumf Credit Card is one example. If you use the physical card at stores like Meny or Kiwi, your bonus is registered automatically. But if you use the card via Apple Pay or Google Pay, the bonus may not be registered. In that case, you need to scan your Trumf membership card at checkout.
We recommend contacting your card issuer to check what rules apply regarding benefits and virtual card use.
Which virtual credit card is best?
Even though many good virtual cards have emerged in recent years, Bank Norwegian stands out as one of the best. After you activate a digital card, the standard card details are replaced, so transactions can be completed without exposing your card data to merchants.
You can also pause and reactivate the digital card whenever you want. In addition, Bank Norwegian supports the most popular contactless payment methods—Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Summary
A virtual credit card provides added protection when shopping online. However, not all credit cards are available in virtual versions. If you shop frequently online, it's worth looking for a bank that offers this feature. A good example is Bank Norwegian, which offers a virtual credit card and supports popular payment methods like Apple Pay and Google Pay.
Frequently Asked Questions About Virtual Credit Cards
Hei, mitt navn er Bengt. Jeg er finansjournalist på Bestekredittkortet.com. Jeg har skrevet for dette nettstedet i flere år. Jeg har bakgrunn fra både media og finans (jeg startet yrkeskarrieren min i bank). For tiden fokuserer jeg skrivingen om rabattene du kan få med kredittkort, cashback og hvilke reisekort som har flest fordeler.
