What is the Virtual Card?

The Virtual Card is an exclusively digital card designed for secure online shopping, subscription services and payments through digital wallets. It is not linked to your main bank account and you can transfer funds only when you want to make a purchase.

How can I get a Virtual Card?

You can apply through the BoC Mobile App. No branch visit required.

All individuals over 18 years old. Available exclusively through BoC Mobile App.

Is there a physical card?

No. The Virtual Card is 100% digital. Card details (16-digit number, expiry date, CVV) are available in the BoC Mobile App.

How Can I Use the Virtual Card?

For Online Purchases: Card details (16-digit number, expiry date, CVV) are available in the BoC Mobile App and can be used for your online shopping. In Digital Wallets: You can add the card to digital wallets such as Apple Pay, Google Pay, or Fitbit. Cash Withdrawals: The card cannot be used for cash withdrawals at ATMs.

Can I use the Virtual Card in stores?

Yes! Add your Virtual Card to your digital wallet (Apple Pay, Google Pay, Garmin, Fitbit) and pay at POS terminals.

Is there a membership fee?

The card has no membership fee.

Does the Virtual Card participate in Antamivi?

Yes! Earn points through the Antamivi loyalty scheme program.

How do I top up my Virtual Card?

Transfer funds from your BoC accounts to your Virtual Card account via the Mobile App or Internet Banking.

What happens to existing Internet Card holders?

They will be automatically migrated to the Virtual Card and will receive instructions on how to add it to their digital wallet. The use of the existing card remains unaffected – they can continue using it as they do today.

Do I have the right of withdrawal?

You have the right of withdrawal within 14 days from the creation of the contract for the product of Virtual Card. The withdrawal may be exercised by submitting an electronic declaration to the Bank. More specifically, withdrawal may be carried out electronically through the Home Page of Internet Banking or the BoC Mobile App. It will be available during the period for which the right of withdrawal is valid. In such a case, charges may be applied for services already provided. If the right of withdrawal is not exercised within the 14-day period, the contract becomes final and binding.

Introducing the Virtual Card – The card that lives on your phone

Virtual Card is here to make your online shopping safer, smarter and easier. Designed for the digital age, this card is perfect for e-commerce, subscriptions and purchases.

Why choose the Virtual Card?

Instant issuance
via BoC Mobile App
No membership fee & 100% digital
available only in digital form
Enhanced security:
Your Virtual Card is not linked to your main bank account, giving you full control over your funds
Earn rewards
Earn antamivi points for your everyday transactions at participating merchants
Flexible top-up:
Load only the amount you need for secure payments, use it for multiple transactions and add it to your digital wallets (Apple Pay, Google Pay, or Garmin Pay)

More information

The Virtual Card is an exclusively digital card designed for secure online shopping, subscription services and payments through digital wallets. It is not linked to your main bank account and you can transfer funds only when you want to make a purchase.
You can apply through the BoC Mobile App. No branch visit required.
All individuals over 18 years old. Available exclusively through BoC Mobile App.
No. The Virtual Card is 100% digital. Card details (16-digit number, expiry date, CVV) are available in the BoC Mobile App.
1. For Online Purchases:
  Card details (16-digit number, expiry date, CVV) are available in the BoC Mobile App and can be used for your online shopping.
2. In Digital Wallets:
  You can add the card to digital wallets such as Apple Pay, Google Pay, or Fitbit.
3. Cash Withdrawals:
  The card cannot be used for cash withdrawals at ATMs.
Yes! Add your Virtual Card to your digital wallet (Apple Pay, Google Pay, Garmin, Fitbit) and pay at POS terminals.
The card has no membership fee.
Yes! Earn points through the Antamivi loyalty scheme program.
Transfer funds from your BoC accounts to your Virtual Card account via the Mobile App or Internet Banking.
They will be automatically migrated to the Virtual Card and will receive instructions on how to add it to their digital wallet. The use of the existing card remains unaffected – they can continue using it as they do today.
You have the right of withdrawal within 14 days from the creation of the contract for the product of Virtual Card.

The withdrawal may be exercised by submitting an electronic declaration to the Bank. More specifically, withdrawal may be carried out electronically through the Home Page of Internet Banking or the BoC Mobile App. It will be available during the period for which the right of withdrawal is valid. In such a case, charges may be applied for services already provided.

If the right of withdrawal is not exercised within the 14-day period, the contract becomes final and binding.
Commissions & Charges