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 8 best virtual corporate cards in the UAE in 2026, reviewing their features, pricing structure, and pros & cons.
What Are The Best Virtual Corporate Cards In UAE In 2026?
Here are the 8 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: Emirates Islamic Bank: Best for enterprises looking for advanced transaction security.
#4: Xpence: Best for setting up advanced spending controls to keep track of employee spending.
#5: American Express: Best for cardholders seeking enhanced flexibility, security, and convenience for online shopping.
#6: Mamo: Best for businesses seeking a cost-effective and flexible corporate card solution with advanced expense management.
#7: ADCB: Best for organizations looking for one-time-use virtual corporate cards.
#8: 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 for its virtual card, so you'd need to fill in a questionnaire and wait for the bank to follow up.
Pros and Cons
✅ Advanced fraud detection and transaction security capabilities.
✅ Online reporting insights that help you compare costs and control expenses.
✅ Streamlined payment processing for high-volume supplier payments.
#3: 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 Corporate Virtual Credit Card of the bank has a monthly profit share of 1.99%.
#4: Xpence
Best for: Setting up advanced spending controls to keep track of employee spending.
Similar to: 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 their team to get a demo and a quote.
Pros and Cons
✅ Good for managing and tracking spend on SaaS platforms.
✅ Real-time spending tracking with built-in approval workflows.
✅ Advanced spending controls and analytics to monitor employee spending habits.
❌ No public pricing, unlike some Xpence alternatives.
#5: 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.
#6: Mamo
Best for: Businesses seeking a cost-effective and flexible corporate card solution with advanced expense management.
Similar to: Pemo.
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% plus AED 1 per transaction on the free plan can add up with heavy usage.
#7: ADCB
Best for: Organizations looking for one-time-use virtual corporate cards.
Similar to: N/A.
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.
❌ Pricing structure and fees are not disclosed in the website.
#8: 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.
❌ I could not find pricing information on its website.
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.
⚠️ Disclaimer: This article was last updated on 1st of May, 2026, and if there's any misinterpretation of the information, please contact us, and we will fact-check it.
