Every Swipey user gets access to a prepaid VISA card. The type of card you receive depends on your plan and what your Admin assigns to you. Here's everything you need to know about the difference.
At a Glance
Virtual Card - QR Enabled | Travel Card | |
 |  | |
Card type | Prepaid VISA | Prepaid VISA |
Colour | Light blue | Dark blue |
Available on | All plans including Freemium | Growth and Plus plans only |
Cards per user | Plus plan: Up to 5 Growth plan: Up to 3 Freemium plan: 1 | Plus plan: Up to 2 Growth plan: Up to 1 Freemium plan: None |
Use for online payments | ✅ | ✅ |
Use at physical stores | ❌ | ✅ |
PayWave / contactless | ❌ | ✅ |
Chip and PIN | ❌ | ✅ |
Transaction limit | Up to RM10k/txn Up to RM 50k/day | Up to RM10k/txn Up to RM 50k/day |
Available instantly | ✅ | ❌ (Delivered by post) |
DuitNow QR | ✅ | ✅ |
Accessible via | Swipey mobile app | Physical card + mobile app |
Best for | Everyday team spend & petty cash | Travel & in-person spend |
Virtual Cards - QR Enabled
Virtual cards are available on all plans and are ready to use the moment your account is set up — no waiting, no delivery.
You access your virtual card through the Swipey mobile app. Use it for any online payment where a VISA card is accepted: subscriptions, SaaS tools, e-commerce, digital advertising, and more.
How to view your card details:
- Open the Swipey mobile app and tap the Cards tab at the bottom
- Tap Show Card Details and complete verification
- Your 16-digit VISA card number, expiry date, and CVV will appear — use these at any online merchant
Tip: Keep your card details private. Never share your CVV with anyone.
To learn how to get started with Virtual Card, click here.
Travel Cards
Travel cards are available on Growth and Plus plans only. Your Admin assigns a travel card to you. Once assigned, you'll receive an email with a tracking number — delivery typically takes 5–7 business days. Use your travel card anywhere that accepts VISA: retail stores, restaurants, petrol stations, groceries, and online.
Payment methods supported:
- Chip and PIN: insert your card and enter your PIN
- VISA PayWave: tap to pay contactless
Note: For your first in-store payment, always use the Chip and PIN method. This activates PayWave on your card.
To learn how to get started with Travel Card, click here.
Can I Hold Multiple Cards?
Yes — you can hold a Virtual Card and a Travel Card at the same time. Your Admin assigns cards when inviting you, or can issue additional cards at any time. The number of cards you can hold depends on your company's plan.
If you need an additional card, speak to your Admin or contact us on WhatsApp.
Which Plan Gets What?
| Plan | Virtual Cards | Physical Cards |
| Freemium | 1 per user | ❌ Not available |
| Growth | 3 per user | 1 per user |
| Plus | 5 per user | 2 per user |
Need Help?
If you're unsure which card is right for you, or want someone to walk you through setup, we're here.
💬 Chat with us on WhatsApp
📞 Book a 30-minute session and we'll guide you through using Swipey
Common Questions
My PayWave isn't working — what do I do?
PayWave needs to be activated with your first chip and PIN transaction. If you've already done that and PayWave still isn't working, contact us on WhatsApp.
I haven't received my physical card — how long does delivery take?
Physical card delivery typically takes 5–7 business days after your Admin issues it. If it's been longer, reach out to us and we'll check the status.
Can I use my virtual card for in-store payments?
No — virtual cards are for online payments only. For in-store purchases you'll need a physical card.
My Google Ads / Meta account keeps rejecting my card. What do I do?
Some platforms, including Google Ads and Meta, may decline prepaid cards. If you're running into this, contact us on WhatsApp and we'll help you find the best way to keep your payments running.
What if I lose my physical card?
Freeze your card immediately from the Swipey mobile app, or contact your Admin to freeze it from the dashboard.
