World Card
World Card is WorldFirst's business multi-currency payment card, available in both virtual and physical formats. With World Card, you can pay directly from your World Account balance wherever Mastercard is accepted — online, in-app, or in-person.
Multi-currency Function
- Your World Account allows you to hold balance in up to 15 currencies, and provided you hold balance, your World Card allows you to pay out directly in any of these currencies without FX fees: AUD, CAD, CHF, CNH, CZK, EUR, GBP, HKD, JPY, MXN, NZD, PLN, SEK, SGD, USD.
- Your World Card can be used globally where Mastercard is accepted and will allow you to pay merchants in 153 local currencies overall.
- If a merchant requests payment in a currency outside of the 15 supported by World Account, an FX fee will be applied and the default currency will be debited.
Default currency by market:
Virtual Card
Who can access Virtual Card?
Note: Virtual Card is not available for CN and IN registered entities. Some market exclusions apply (e.g., Guernsey, Gibraltar, Jersey, Isle of Man for UK; Switzerland for EEA).
Getting started with Virtual World Card
Step 1: Apply for a card
- Navigate to World Card in the main navigation of your WorldFirst Portal.
- Select Virtual Card.
- Choose the cardholder name — a verified Director, authorised non-director, or your company name.
- Set a card nickname (optional) for easy identification.
- The card is issued instantly with a card number, CVV, and expiry date.
Step 2: Configure spending controls
Before using the card, set spending parameters:
- Per-card spending limit — Maximum amount the card can spend.
- Validity period — Set how long the card remains active.
- MCC whitelist/blacklist — Restrict card usage to specific merchant categories (e.g., only travel, only SaaS platforms).
Step 3: Use the card
- Online payments: Use the Virtual Card for online purchases, SaaS subscriptions, ad spend, and cloud services.
- Mobile wallets: Add the Virtual Card to Apple Pay or Google Pay for NFC tap-to-pay transactions.
- Real-time notifications: Receive instant alerts for every transaction via the Portal or App.
Virtual Card Management via API
WorldFirst provides APIs for programmatic Virtual Card management:
- Account management - Create, query, top up, and withdraw from the account.
- Statement management - Retrieve detailed transaction statements.
- Cardholder management - Add and manage cardholders.
- Card Management - Create, retrieve card information, update card spending limits, freeze, and cancel cards.
- Bill management - Query card transaction history.
- OTP management - Update and query OTP configuration preference.
- Authorization management - Apply, refresh, and revoke token bindings.
Physical Card
Who can access Physical Card?
Virtual Card vs Physical Card
Summary:
- Both Virtual Card and Physical Card share the same API system and World Account balance pool.
- From the perspective of expense type, online expenses use Virtual Card, while in-person expenses use Physical Card.
Cashback
Earn cashback rewards when you pay with World Card:
- An introductory higher rate of cashback applies for a limited period when World Card is first introduced to each market.
- A standard rate of cashback applies on a continuous basis for all eligible card transactions.
- Cashback earned in a particular month is paid out as a single transaction on the last day of the following month, directly into your World Account.
- Certain merchant category codes may be exempt from cashback.
Cashback currency by market: