A good virtual corporate card can help you manage your team’s expenses, ensure financial compliance, and save you some money in the long run with cashback programs.
In this buyer guide, I’ll go over the 10 best virtual corporate cards in the UAE in 2026, reviewing their features, pricing structure, and pros & cons.
Factors To Consider When Evaluating Virtual Corporate Cards In the UAE
If I were to choose a virtual corporate card for my team in the UAE, here are the factors which I would consider in 2026:
#1: Expense Management
When you’re leading a large corporate team that has to book flights, hotels, and pay for business meals, proper expense management becomes essential.
The virtual corporate card should feature:
- Expense tracking and reporting: Automated expense tracking will help you monitor spending in real-time, providing you with spending insights and enabling you to budget accordingly.
- Expense automation and categorization: Automated expense automations, such as paying for software, can reduce manual errors and enforce your company’s compliance.
- Smart spending control: The virtual corporate card should let you set custom spending limits for each one of your team members. You should be able to set pre-defined spending limits and restrict specific purchases.
#2: Financial Compliance
Secondly, the virtual corporate card should comply with the UAE’s VAT regulations, which is why the card should:
- Be able to track VAT on purchases so your organization can meet the UAE’s local tax requirements.
- Remain compliant in the present time, as the best virtual corporate cards update their software to align with the latest regulations and laws in the UAE.
- Keep a clear audit trail for your accounting team so your financial departments can better prepare for tax filings and audits, without having you chase your team for receipts.
#3: Cost Savings With Cashback
The third factor for me would be how much money my organization would save in the long run using the virtual corporate cards.
This is why I’d look for cashback on transactions - including spending on campaigns, such as marketing campaigns.
➡️ A money saver would also be if my team can withdraw money locally or internationally with little or no fees.
#4: Team Management
Next up – you should be able to manage your team’s virtual corporate cards, including:
- Individual spending limits, so your team does not overspend.
- Being able to block cards at any time to avoid misuse, or when an employee leaves the company.
- Adding a customized approval workflow that lets you streamline the spending approval process.
- Card assignment functionality.
- An automatic receipt matching process that lets your employees upload receipts, and the software matches them to the corresponding transactions to make your accounting team’s job easier.
#5: Integration With Accounting Systems
Last but not least, all of these aforementioned features need to be integrated with your company’s accounting and expense management platform to simplify your financial processes.
A seamless integration with your accounting software and ERP will help you automatically sync transaction data so expense reporting and reconciliation are fast and accurate.
What Are The Best Virtual Corporate Cards In UAE In 2026?
Here are the 10 best virtual corporate cards in the UAE on the market in 2026 from our team’s research on 30+ corporate cards:
#1: Pemo: All-in-one spend management software and a virtual corporate card with accounting automation capabilities.
#2: HSBC Virtual Card: Best for managing large-value payments.
#3: Alaan: Best for creating multiple corporate cards for different needs.
#4: Pluto: Best for managing account payables & automating expense accounting.
#5: Emirates Islamic Bank: Best for enterprises looking for advanced transaction security.
#6: Xpence: Best for setting up advanced spending controls to keep track of employee spending.
#7: American Express: Best for cardholders seeking enhanced flexibility, security, and convenience for online shopping.
#8: Mamo: Best for businesses seeking a cost-effective and flexible corporate card solution with advanced expense management.
#9: ADCB: Best for organizations looking for one-time-use virtual corporate cards.
#10: AirPlus: Best for organizations needing secure, flexible, and centralized virtual payment solutions for travel expenses.
#1: Pemo
Pemo (that’s us) offers the best virtual corporate card in the UAE with its expense and team management features, enterprise-grade security, and accounting automation capabilities.
Full disclosure: Even though Pemo is our card, I’ll provide you with an unbiased and objective perspective on why Pemo offers the best virtual corporate card in 2026.
With Pemo, you can get smart virtual cards for your team in the UAE – with $0 set-up fees and 100% visibility into operational spend.
Our cards sync with MENA #1 spend management software to help you control employee expenses.
Here are some of the standout features of Pemo that our customers love:
Easily Issue Virtual Corporate Cards In A Click
Pemo enables business leaders to issue virtual corporate cards to their employees with as little effort as a single click.
The features of our virtual corporate cards include:
- Being able to track purchases and view live budgets.
- Real-time visibility that lets you track live transactions on desktop and mobile devices.
- Flexibility for your team by assigning cards to each team member and customize individual spending limits – monthly or per transaction.
- Enterprise-grade security and control, including blocking cards anytime to avoid employee misuse.
- Cashback on online advertising spend (e.g., Google Ads), as well as additional cashback on card spending, such as 2% cashback on FX fees.
➡️ You can create unlimited virtual cards in seconds with Pemo, free of charge.
Seamless Expense Management
Pemo helps you eliminate expense reports and petty cash by simplifying and automating your expense reporting.
Our cards and software help you save time doing manual reports by capturing expense data via card transactions and on our mobile app.
You can adjust the spending limit and freeze your employees’ cards live, controlling their spending on the go.
And the best thing about it for your accounting team? Each card transaction instantly turns into a tracked expense.
Advanced Accounting Automations
Pemo’s virtual corporate cards will also integrate with your accounting software and ERP, eliminating manual processes for your finance team.
Your employees can seamlessly sync Pemo’s transaction data with QuickBooks, Xero, Tally, and other platforms.
Here are some of the reasons why your accounting department will appreciate Pemo:
- Transaction data flows automatically between Pemo and your organization’s accounting software.
- Your finance and leadership team will get visibility into transactions instantly, syncing them in real-time.
- The expenses are automatically categorized into your chart of accounts.
Automate Invoice Payments
Pemo helps you set your invoice payments on autopilot by easily collecting, approving, paying, and managing your bookkeeping for every invoice.
Your team will be able to automate payments, approval flows, and transfers – saving them time.
Approvers will only receive what they need to review and stay in control of upcoming payments.
➡️ Giving your team ownership of their budgets will help them move faster while your finance team is monitoring expenses and signing them off in real-time.
On top of that, Pemo helps you save money from international transfer costs with lower fees than those of some of our competitors.
Pemo’s Pricing
Pemo has a free plan for up to 2 card users that lets you get access to unlimited virtual cards per user with a mobile app, expense reports, card spending limits, and Excel reports of expenses.
To access Pemo’s advanced expense and accounting management features, you’d need to be on one of Pemo’s 2 paid plans:
- Essential: Starts from AED 29/month for 1 card user, which adds cashback on online advertising spend, integration with popular accounting platforms, spend analytics, and more.
- Business+: Custom pricing that starts from 20 card users, which adds additional cashback on card spending, custom onboarding and training, and dedicated CSM.
Want to learn more about Pemo’s Business+ pricing tier to issue virtual cards to your team members, help you eliminate expense hassle, and automate your invoice payments?
You can book a demo with our team and learn more about why 5,000+ companies in the MENA region have chosen us.
Pemo’s Pros & Cons
✅ Best-in-class expense management that helps you eliminate expense reports.
✅ Integrations with all major accounting software.
✅ You can automate invoice payments and their approval flows.
✅ Cashback on online advertising spend and cashback on FX fees.
✅ Generous freemium plan for up to 2 card users.
✅ Users on G2 are satisfied with the platform’s ease of use and fast processing capabilities.
❌ There are technical issues with the platform from time to time, according to some G2 reviews.
#2: HSBC Virtual Card
Best for: Managing large value payments.
Similar to: Emirates Islamic Bank.
HSBC offers a virtual card that is available as a standalone platform, where leaders can create single and multi-use virtual cards.
The virtual card is a viable option for businesses looking for a secure way to handle large value, high volume and repeat payments to suppliers.
Features
- Control your spending with HSBC’s Virtual Cards Online Portal, where you can generate unique account and card numbers for each transaction and pay immediately.
- Convenient reconciliation and personalized reporting for your employees.
- Full control, compliance, and security with fraud protection features and zero liability for misuse.
Pricing
HSBC does not disclose the pricing terms of its virtual card, so you’d have to fill in a questionnaire, and the bank will get back to you.
Pros & Cons
✅ Advanced fraud detection capabilities.
✅ Online reporting insights that help you compare costs and control expenses
✅ Streamlined payment processing and reporting.
❌ Pricing structure is not disclosed.
#3: Alaan
Best for: Creating multiple corporate cards for different needs.
Similar to: Pemo.
Alaan is a UAE-based company that offers virtual corporate cards, coupled with expense management software and an AI automation platform.
The platform is good for enterprises looking to create multiple corporate cards for different needs, at no additional cost.
Features
- Business leaders can instantly issue cards to different teams and individuals at no additional cost to the platform.
- Unlimited cashback on eligible international transactions – up to 2%.
- Automatic receipt matching helps your employees upload receipts with one click. Alaan’s system then matches them to the corresponding transaction.
- Smart spending controls for your team help business leaders set custom spending limits for each worker, department, and even project.
Pricing
Alaan has a free plan for up to 3 users that lets you access its real-time expense tracking with access to Google Pay and Apple Pay.
To access the platform’s advanced features, you’d need to be on one of their 2 paid plans:
- Premium Plan: AED 499/month (although you can get it for free for a limited time) for up to 50 users, which adds up to 2% cashback for all transactions, unlimited cards per user, and real-time spending reporting.
- Enterprise Plan: Custom pricing for unlimited users, which adds custom implementation, custom HR integrations, custom policies, and native ERP integrations.
Pros & Cons
✅ Up to 2% cashback for all transactions.
✅ AI-powered analytics dashboard.
✅ Customized approval flows.
❌ Alaan’s paid plans start from AED 499, which is significantly more than other alternatives.
❌ Users of the platform are not satisfied with the customization options of the tool’s reports.
#4: Pluto
Best for: Managing account payables & automating expense accounting.
Similar to: HSBC.
Pluto is another UAE-based company that offers smart virtual corporate cards for both smaller and larger enterprises.
The reason why I included this virtual card in this list is that the platform lets you manage account payables and automate your expense accounting.
Features
- Manage each virtual corporate card by setting strict budgets on each card. The card can also decline any transaction that exceeds the budget automatically.
- Automatic reconciliation that happens in real-time and integrates with all major accounting software, such as Xero, Zoho, and Dynamics.
- The platform will automatically record ATM withdrawals as unreconciled cash on hand and will chase your employees for receipts (instead of you having to do it).
Pricing
Pluto offers a free plan for up to 5 smart corporate card users that gives you access to 10 virtual cards per user and 1 physical card per user.
The spend management solution has 2 paid plans:
- Growth: Typically $99/month, which includes 30 users ($9/month per additional user).
- Enterprise: Custom pricing, which includes unlimited users.
Pros & Cons
✅ Generous freemium plan for up to 10 users that includes a good range of features.
✅ Workflow builder to streamline expense approval.
✅ Good options for managing employee spending and card limits.
❌ Spending limits can only be set to daily, monthly, or annual.
#5: Emirates Islamic Bank
Best for: Enterprises looking for advanced transaction security.
Similar to: HSBC.
The Emirates Islamic Bank offers a corporate credit card that lets you generate virtual card numbers linked to a primary card.
The platform is a good option for enterprises looking for advanced transaction security.
Features
- The virtual credit cards can be configured for single and multiple uses with specified transaction controls, such as the amount and usage dates.
- Advanced transaction security: The number of virtual cards is securely transmitted to your suppliers without exposing the primary card details.
- The virtual cards are accepted worldwide at any supplier that processes Mastercard payments.
Pricing
Emirates Islamic Bank’s virtual corporate card pricing structure is quite complex, featuring dozens of plans that you can subscribe to.
The Corporate Virtual Credit Card of the bank has a monthly profit share of 1.99% with AED 0 annual membership fee.
Pros & Cons
✅ Configure the virtual corporate cards for single or multi-use with defined spending limits and spending windows.
✅ Enterprise-grade security features.
✅ Access to Mastercard’s Smart Data.
❌ The pricing model is based on monthly profit sharing.
❌ The user interface is outdated and not easy to use, according to some G2 reviews.
#6: Xpence
Best for: Setting up advanced spending controls to keep track of employee spending.
Similar to: Pluto, Pemo.
Xpence offers virtual Visa cards for corporations looking for advanced spending controls for their employees to keep track of their spending.
Features
- Create virtual cards instantly and start using them immediately for online expenses.
- Real-time tracking: You can monitor all spending from a centralized platform, providing you with better oversight of your business expenses.
- Advanced spending controls and limits are applied so you can better manage your employees’ spending.
Pricing
Xpence does not disclose its pricing, so you’d have to contact its team to get a demo and a quote.
Pros & Cons
✅ Good subscription management.
✅ Real-time spending tracking and approval workflows.
✅ Advanced spending controls.
❌ Pricing is not disclosed, so you have to either create an account to know it or reach out to them.
#7: American Express
Best for: Cardholders seeking enhanced flexibility, security, and convenience for online shopping.
Similar to: HSBC, Emirates Islamic Bank.
American Express offers a virtual card for corporations that allows users to instantly generate virtual cards.
The platform provides its customers with an additional layer of security for digital transactions, making it the preferred choice for large companies.
Features
- Instant issuance of virtual cards – your employees can immediately obtain and start using their virtual cards without waiting for a physical card to arrive.
- Customizable spending limits – leaders can set the spending limits for added security during online transactions.
- Access up to 6 virtual cards per user at no extra cost.
Pricing
You can create a virtual card if you already have an account with American Express.
Despite that, you can individually apply for a Virtual Payment Card with the bank’s application form.
Pros & Cons
✅ Effective reconciliation of costs.
✅ Customizable spending limits to keep spending under control.
✅ Enterprise-grade security.
❌ Pricing is not disclosed, similar to other competitors on the market.
❌ The user interface is not very easy to use, similar to Emirates Islamic Bank.
#8: Mamo
Best for: Businesses seeking a cost-effective and flexible corporate card solution with advanced expense management.
Similar to: Pemo, Alaan.
Mamo offers a virtual corporate card solution that allows businesses to issue unlimited virtual and physical cards, set spending limits, and manage expenses in real-time.
The platform stands out with its transparency, security, and convenience for both small businesses and enterprises.
Features
- Unlimited virtual and physical cards: You can easily manage team budgets with no cap on the number of cards issued.
- Global usability with cashback rewards: Your team can use cards anywhere, online or offline, with up to 2% cashback on non-AED transactions.
- Advanced security measures: The platform upholds a PCI-DSS certification with real-time transaction monitoring, card freezing, and instant updates.
Pricing
Mamo offers three pricing tiers for its all-in-one payments platform: Growth, Premium, and Enterprise.
Growth Plan: Free monthly, 2.9% + AED 1 per transaction.
- Includes support for various payment methods (Visa, Mastercard, Apple Pay, etc.)
- Offers corporate cards (physical and virtual)
- Provides payment APIs and e-commerce integrations
Premium Plan: AED 99/month, 2.7% + AED 0.8 per transaction.
- Has lower transaction fees compared to the Growth plan.
- Includes all features of the Growth plan.
- Offers free ATM withdrawals in the UAE.
- Provides branded payment links.
Enterprise Plan: Custom pricing for businesses processing over AED 500,000/month, and includes a dedicated customer success manager.
Pros & Cons
✅ Enterprise-grade security.
✅ Global usability with a cashback program.
✅ Streamline your expense management.
❌ 2.9% + AED 1 per transaction.
❌ The platform is relatively new, so there might be missing features or issues with the platform.
#9: ADCB
Best for: Organizations looking for one-time-use virtual corporate cards.
Similar to: Alaan, Pluto.
The ADCB virtual corporate credit card is designed to streamline daily business expenses, providing you with the tools to enhance operational efficiency and procurement processes.
It integrates seamlessly with ERP systems and offers advanced controls for secure and optimized spending.
Features
- An online business expense management tool to track and control spending effectively.
- Customizable spending limits and expiration dates for better financial control of your employees.
- Enhanced transaction security with the tool’s enterprise-grade security measures.
Pricing
You’d have to fill out ADCB’s form to get the virtual corporate card.
Pros & Cons
✅ Built-in business expense management functionality.
✅ Customizable spending limits.
✅ You can set up one-time-use virtual cards for your employees.
❌ According to Reddit reviews, the platform’s limited security measures have resulted in unauthorized transactions and hacking in the UAE.
❌ Pricing structure and fees are not disclosed in the website.
#10: AirPlus
Best for: Organizations needing secure, flexible, and centralized virtual payment solutions for travel expenses.
Similar to: Pemo.
AirPlus’s Virtual Cards Classic is a virtual credit card solution designed to simplify and secure business travel payments.
It provides a centralized and transparent way to manage expenses for employees, contractors, and travelling expenses.
Features
- Instant card generation: Your team can quickly create 16-digit virtual card numbers with CVC codes and expiry dates for immediate use.
- Detailed expense tracking: The solution offers up to nine additional data points for better expense allocation and tracking.
- Automated reconciliation: AirPlus provides a single central statement with all travel expenses for simplified administration.
Pricing
You can sign up for the virtual corporate card by submitting the AirPlus’ form. You’ll also get a free consultation.
Pros & Cons
✅ Virtual corporate credit cards designed for travel-related expenses.
✅ Integrations with 80+ booking platforms.
✅ AirPlus Portal and Intelligence Hub are included that give you bonus insights and expense management features.
❌ According to some TrustPilot reviews, AirPlus’ customer support is very slow to respond.
❌ Users of the platform are not satisfied with its user interface and overall UX.
Next Steps: Sign Up For Pemo For Free
Pemo offers an all-in-one spend management solution for SMBs in the UAE, featuring virtual Visa payment cards that allow you to distribute prepaid smart cards to your employees.
Our corporate virtual cards help your accounting team manage expenses through real-time analytics and advanced accounting automations, allowing for better control over finances by setting limits, matching receipts, and tracking expenditures
If you’re looking for a smart virtual corporate card for your UAE-based team that offers advanced features, such as:
- Automated approval flows for invoices.
- Integrations with your accounting software and ERP.
- Real-time cash flow monitoring.
- A comprehensive solution for expense management.
Then you can sign up for Pemo’s free account.
