Login required
You need to be signed in to access your Cema Finance virtual card. Please log in or create an account to continue.
Login to continue → Don't have an account? Create oneSpend online safely with a virtual card.
Generate a secure, single-use or reusable virtual card in seconds. Shop, subscribe and pay online without ever exposing your primary account details.
Everything a physical card can do — without the risk.
Virtual cards live entirely in your Cema Finance account. Use them for any online purchase and control every detail yourself.
Keeps your main card safe
Your primary card details never touch a merchant site. Even if a store is breached, your real account stays safe.
Instant creation
Generate a new virtual card in seconds from the Cema Finance app or web dashboard — no waiting, no paperwork.
Set your own limits
Choose spending caps, expiry dates and merchant rules for each card. Perfect for subscriptions and one-off purchases.
Single-use or reusable
Freeze a card after one payment, or keep it active for recurring services like streaming and cloud storage.
Works globally
Accepted anywhere major card networks are accepted — online stores, apps, subscriptions and travel bookings.
Full transaction history
See every payment tied to each virtual card in real time. Track, rename or delete cards at any time.
Get your virtual card in four steps.
No branches, no forms, no waiting. Just your Cema Finance account and a few seconds of your time.
Log in to your account
Sign in with your Cema Finance credentials — or register if you don't have an account yet.
Tap "Virtual Card"
Find the Virtual Card section in your dashboard and choose to create a new card.
Configure your card
Set a spending limit, choose single-use or reusable, and name your card for easy tracking.
Start spending online
Copy your card number, expiry and CVV — then use them anywhere you'd use a normal card.
Bank-grade protection, on every swipe.
Virtual cards from Cema Finance use the same encryption, monitoring and fraud-protection stack that secures your main account — with an extra layer of separation that keeps your real details private.
- End-to-end encryption on every transaction
- Real-time fraud monitoring and alerts
- Instantly freeze any card from the app
- Set per-card spending limits and expiry dates
- Your main card details never leave Cema Finance
Answers to common questions.
What exactly is a virtual card?
A virtual card is a digital-only payment card you can use online. It has its own number, expiry date and CVV — just like a physical card — but it exists only in your Cema Finance account and can be frozen or deleted instantly.
Is it safe to use my virtual card online?
Yes. Virtual cards are one of the safest ways to pay online because your primary card details are never shared with merchants. If a website you paid with is ever compromised, your real account stays untouched.
Can I use a virtual card for subscriptions?
Absolutely. Choose the "reusable" option when creating your card and it will keep working for recurring payments like Netflix, Spotify, AWS, or any other subscription service.
How many virtual cards can I create?
You can create as many virtual cards as you need — one per merchant, one per subscription, or one for each online shopping trip. Each card has its own limits and transaction history.
What currencies does the virtual card support?
Virtual cards work with any currency supported by your Cema Finance account. Transactions in foreign currencies are converted automatically at competitive rates.
Do I need a physical card to get a virtual one?
No. Any Cema Finance account holder can create a virtual card, with or without a physical card. Simply log in, open the Virtual Card section, and generate a new card.
Ready to shop safer online?
Create your first virtual card in under a minute — no waiting, no paperwork, no risk to your main account.