Sleek virtual card: Best alternatives in Singapore for 2026

What the Sleek virtual card offers Singapore businesses in 2026

Sleek's virtual card is a free Visa-powered debit card bundled within the Sleek Business Account, giving Singapore entrepreneurs instant digital spending without any setup cost.

• The Sleek Business Account (SBA) includes a free virtual corporate debit card, with all card details securely stored and accessible through the SBA web app. Each virtual debit card comes with a monthly spending limit of SGD $20,000¹.
  
• The account has no monthly fees, minimum balance requirements, or initial deposit obligations. It supports both local and international transfers, as well as seamless debit card payments.
  
• The virtual debit card can be used for online transactions across major platforms such as Amazon, Meta, PayPal, and Apple. It is also compatible with local travel and ride-hailing apps like Grab and Uber, and accepted on e-commerce platforms including Alibaba and Shopee¹.
  
• You can save the card for recurring payments and subscriptions, and also use it to pay for Sleek services directly by keeping it on file.
  
• All client funds are held in a segregated customer account with DBS Bank, in accordance with MAS regulations.
  
• Please note that the account is available only to existing Sleek clients. Account setup typically takes around 5 working days from incorporation, with no additional documentation required, as KYC is completed during onboarding.
  

Why businesses look for alternatives to the Sleek virtual card in 2026

Sleek's virtual card suits early-stage businesses well, but several built-in limitations make it unsuitable for growing companies.

• The SGD $20,000 monthly spend cap per card can be restrictive for businesses with higher transaction volumes or multiple team members spending simultaneously.
  
• Balance is held in SGD only, with multi-currency functionality listed as a future addition rather than a live feature.
  
• No Xero integration, meaning card transactions cannot be synced automatically for bookkeeping.
  
• No advanced approval workflows, budget controls, or multi-user role access for larger finance teams.
  
• Businesses needing multi-currency wallets, bulk card issuance, or more robust expense management will find the offering too limited as they scale.
  

Quick comparison of Sleek virtual card alternatives in 2026

[Table:1]

Data as of March 2026. Note: Fees and features are subject to change. Confirm current rates directly with each provider before committing.

Best Sleek virtual Card alternatives for Singapore businesses in 2026

OCBC business debit card

The OCBC business debit card is a Mastercard debit card designed for Singapore-based SMEs looking for a simple, no-fee option with cashback on everyday business spending, backed by a trusted local bank.

Key features of the OCBC business debit card:

• Earn 1% cashback on digital marketing, software services, online retail, and travel spend (capped at SGD $80 per month as bonus rebate)
  
• Earn unlimited 0.2% cashback on all other spending, with no cap
  
• No annual fee and no minimum spend requirement
  
• Available as both a physical and virtual card, with instant access via the OCBC Business Mobile App or OCBC Velocity
  
• Access 1,200+ ATMs across Singapore via Mastercard or NETS, along with global ATM access
  
• All transactions are directly debited from your business account, with a single consolidated statement
  

Pricing:

• No annual or activation fee
  
• No minimum spend requirement
  
• Standard bank FX rates apply for overseas transactions
  
• Exact FX rates are not publicly disclosed
  

Considerations:

The OCBC business debit card is best suited for local SGD spending and does not offer a multi-currency wallet, which may limit its usefulness for businesses with frequent foreign currency transactions. It also does not include advanced expense management features such as approval workflows, receipt capture, or accounting integrations. Additionally, features like spend controls, virtual card issuance for teams, and budgeting tools are not available.

Revolut Business card

Revolut Business offers a corporate debit card as part of a broader financial platform built for global businesses. It combines multi-currency accounts, team spend controls, and real-time expense tracking, making it a strong fit for startups and companies operating across multiple markets.

Key features of the Revolut Business card:

• Issue up to 50 virtual cards per user, ideal for subscriptions and vendor payments
  
• Physical and premium metal cards available
  
• Granular spend controls at both card and user level
  
• Approval workflows available on paid plans for better control over team spending
  
• Built-in receipt capture with automatic transaction matching
  
• Wide range of accounting integrations, including Xero, QuickBooks, NetSuite, Zoho Books, Sage, FreshBooks, and more
  
• Strong security features, including instant card freeze and 3D Secure authentication
  

Pricing:

• Four plans available, including a Basic plan with a multi-currency account, five fee-free local transfers per month, and interbank FX rates up to SGD $1,500 monthly
  
• Paid plans are priced at SGD $15 (Grow), SGD $84 (Scale), and SGD $417 (Enterprise), with higher FX allowances across tiers
  
• Each team member receives one physical card at no cost
  
• Additional physical cards incur a one-time delivery fee of ~SGD $9.99, with no recurring charges
  

Considerations:

Revolut Business cards are well-suited for international spending and managing multiple currencies. However, businesses may still need a separate local bank account to meet Singapore’s statutory requirements. As these are debit cards, they do not provide access to credit or borrowing facilities.

WorldFirst World card

WorldFirst offers the World card as part of its cross-border payments platform, designed for businesses managing international supplier payments and e-commerce expenses. It focuses on enabling global transactions through virtual cards linked to multi-currency balances.

Key features of the WorldFirst World card:

• Issue up to 25 virtual cards per business
  
• Spend in 150+ currencies with global acceptance
  
• Enjoy 0% FX fees on selected major currencies when using existing account balances
  
• Set basic spend controls for team members
  
• Integrates with accounting tools like Xero and NetSuite
  
• Earn up to 1.2% cashback on eligible online spend
  
• Includes security features such as AVS verification and spend limits
  

Pricing:

• No activation or subscription fees, with a pay-as-you-go pricing model⁹
  
• 0% FX fees on selected major currencies when transacting using held balances
  

Considerations:

The WorldFirst World Card is currently available only as a virtual card, which may limit its use for in-person transactions and ATM withdrawals. Expense management features are relatively basic, with no support for approval workflows, receipt capture, or automation. This may not suit businesses that require more structured controls or advanced financial management tools. Additionally, as a debit card, it does not offer any credit or borrowing facility.

Aspire corporate card

Aspire is an all-in-one finance operating system designed for growing businesses. It brings together corporate cards, expense management, bill payments, and accounts payable into a single platform, reducing the need for multiple tools to manage company spending.

Key features of the Aspire corporate card:

• Issue up to 200 virtual cards per user with the option to create more on higher-tier plans at an additional cost
  
• FX fees start from 0.22% on the Basic plan, with 0% FX on the first SGD $13,000 per month on the Premium plan
  
• Multi-level approval workflows and budget tracking by client, project, or team, directly linked to card spend
  
• Automated receipt capture with hourly Xero sync, along with integrations including QuickBooks, NetSuite, FreshBooks, Zoho, Sage 50, and more
  
• Strong security features, including 3D Secure authentication, instant card freeze, spend limits, merchant locks and transaction monitoring
  

Pricing:

• No annual card fee across all plans
  
• The first physical card is free, with additional cards priced at SGD $15 each
  
• Virtual cards are issued at no cost.
  
• Overseas ATM withdrawals cost SGD $5 per transaction (excluding operator fees)
  
• FX fees start from 0.22%, with Premium users receiving 0% FX on the first SGD $13,000 converted monthly
  

Considerations:

Some advanced features are available only on higher-tier plans. Additionally, these are debit cards and do not provide access to credit or borrowing facilities.

Key factors to evaluate when choosing a corporate card in 2026

Choosing a corporate card today is not just about payments. It is about how well it fits into your operations, supports growth, and gives you control over spending.

Here are the key factors to consider:

1. Total cost, not just fees

Look beyond the annual fee and assess the overall cost of using the card:

• Interest rates (for credit cards)
  
• Foreign exchange markup
  
• Hidden or platform fees
  
• ATM withdrawal charges
  

2. Expense management and visibility

Modern corporate cards should go beyond basic transactions and offer:

• Real-time expense tracking
  
• Automated reporting
  
• Centralised dashboards
  

3. Spend controls and governance

As teams grow, control becomes essential. Look for:

• Custom spend limits per employee
  
• Merchant or category restrictions
  
• Approval workflows
  

4. Multi-currency and global usability

For international businesses, prioritise:

• Multi-currency support or wallets
  
• Competitive FX rates
  
• Global acceptance
  

5. Integration with accounting tools

The card should fit seamlessly into your workflow:

• Integration with accounting software
  
• Automated reconciliation
  
• Easy data export
  

6. Card flexibility for teams

Evaluate how easily you can manage cards:

• Virtual and physical card options
  
• Instant issuance for employees
  
• Smooth onboarding and offboarding
  

7. Cash flow support and credit structure

Different cards serve different needs:

• Credit cards with interest-free periods
  
• Charge cards with full repayment cycles
  
• Debit or prepaid cards for controlled spending
  

8. Rewards and cashback

Rewards should match your spending patterns. Consider:

• Cashback on common business spends like SaaS or ads
  
• Flexibility in redemption
  
• Caps or limits on rewards
  

9. Security and fraud protection

Security is critical for business spending:

• Real-time transaction alerts
  
• Card controls (freeze, block, limits)
  
• Fraud monitoring systems
  

10. Scalability and future readiness

Think long term when choosing a card. It should:

• Support higher limits as your business grows
  
• Adapt to multi-entity or global structures
  
• Offer advanced features like automation or insights
  

Conclusion

While the Sleek virtual card works well as a simple starting point for managing online payments, growing businesses often need more control, visibility, and flexibility as their operations scale.

If you are looking for more than just a payment tool, Aspire goes beyond corporate cards by bringing together expense management, approval workflows, accounting integrations, and multi-currency capabilities into one platform. This makes it easier to manage not just spending, but your entire financial workflow in one place.

Open an Aspire business account to simplify how you manage business finances and scale with better control and visibility.

Frequently asked questions

Where can I use the Sleek virtual card?

The card can be used across major online platforms such as Amazon, Meta, PayPal, and Apple, as well as e-commerce marketplaces and subscription services. It is primarily designed for digital transactions.

Can I use the Sleek virtual card for recurring payments?

Yes, you can save your card details on platforms to manage recurring payments for SaaS subscriptions, advertising spend, and other online services.

Does the Sleek virtual card offer expense management features?

No, the Sleek virtual card provides only basic spending functionality. It does not include advanced features such as approval workflows, receipt capture, or accounting integrations.

Is the Sleek virtual card secure?

Yes, as a virtual card, it reduces risks associated with physical card loss or theft. Card details are securely stored and accessed digitally, adding an extra layer of protection for online transactions.