The China Bank Virtual Card is a companion card that is issued together with a Principal China Bank Credit Card, designed exclusively for online transactions. It has a Monthly Spending Limit (MSL) that’s part of the Principal China Bank Credit Card.

The China Bank Virtual Card has a different card number printed on a non-mag stripe, non-EMV Chip and non-contactless plastic.

The China Bank Virtual Card is issued with a different card number and has a flexible MSL. It has SMS and e-mail transaction notifications as well as 3D Secure that requires One-Time Password (OTP) for your online purchases at 3D Secure participating merchants. 

 The China Bank Virtual Card is a companion card that is issued together with your Principal China Bank Credit Card. You must request for the issuance of China Bank Virtual Card for your Supplementary cardholder. 

China Bank Virtual Card MSL is a sub-limit of an existing Principal China Bank Credit Card and is refreshed every statement cycle date. The default limit is half or 50% of your Principal Credit Card limit if no MSL is indicated in the application form. The MSL can be increased to a maximum of 100% of the Principal China Bank Credit Card limit and can also be decreased to a lower limit with minimum of Php1,000.

Principal Cardholders can request for an increase or decrease of MSL anytime by calling the Customer Service Hotline at +632 888-55-888. 

Since China Bank Virtual Card is a companion card to your Principal China Bank Credit Card, it is free of charge. However, for lost or damaged cards, it will be subject to a corresponding Card Replacement Fee. 

 For Platinum and World Cardholders abroad, they may call the Mastercard Global Service Toll-Free Number 1-636-722-7111 to report your lost and stolen card.