The rise of cross-border consumption and overseas service subscriptions has made platforms like ChatGPT Plus, Netflix, and OpenAI API daily necessities for many users in mainland China. However, domestic credit cards often face issues when making payments overseas, frequently displaying messages like "Payment cannot be processed." At this point, virtual credit cards become a lifesaver! They not only solve payment problems but are also safe, convenient, and have low application thresholds. Today, let's discuss recommendations for overseas virtual credit cards suitable for users in mainland China, as well as how to easily apply for and use them, highlighting several popular platforms to help you get started quickly!
Recommended Overseas Virtual Credit Cards: WildCard, VCard, PokePay, Dupay, WasabiCard, LocalCard
Why Do You Need a Virtual Credit Card?#
A virtual credit card (VCC) is a digital payment tool without a physical card, functioning similarly to a traditional credit card but more suited for online consumption. Its biggest advantage is privacy and security; card numbers can be generated or destroyed at any time, reducing the risk of information leakage. For domestic users, virtual credit cards can bypass restrictions on domestic credit cards imposed by overseas platforms, making it easy to subscribe to ChatGPT, Claude, or shop on the US App Store and Amazon. In simple terms, it is your "passport" to explore the overseas digital world!
Recommended Virtual Credit Cards for Domestic Users in 2025#
There are many virtual credit card platforms available, but those suitable for domestic users must meet several criteria: easy to operate, convenient to recharge, and support mainstream overseas platforms. After screening, the following virtual credit cards have a good reputation among domestic users, with stability and ease of use.
1. WildCard: The Top Choice for Domestic Users, Super Convenient Recharge via Alipay#
WildCard is a virtual credit card designed specifically for Chinese users, truly a "down-to-earth" option! Its biggest highlight is that it does not require purchasing USDT and directly supports recharge via Alipay and WeChat, making the card opening and recharge process as simple as scanning a code to buy bubble tea. No complicated KYC verification is needed; you can quickly generate a Visa or Mastercard virtual card after registration, supporting over 90% of overseas platforms like ChatGPT Plus, Claude, GitHub Copilot, and Netflix.
- Features: No monthly fee, 2-year membership for only $11.99 (use invitation code "LEIXUE" for an additional $1 off!), supports Alipay facial recognition for increased limits.
- Applicable Scenarios: Subscribing to AI tools, overseas shopping, US App Store recharge.
- Registration Link: WildCard Official Website (Invitation Code: LEIXUE)
2. VCard: A Favorite Among Crypto Users, Flexible Binding with Alipay#
If you are a cryptocurrency enthusiast, VCard is definitely worth trying. It supports recharge via USDT, suitable for users who already have accounts on OKX, Binance, or HTX. The highlight of VCard is that it can be linked with domestic Alipay and WeChat for online consumption, and it even allows for the "withdrawal" function of USDT, offering maximum flexibility!
- Features: Low fees, supports binding with PayPal and Google Pay, suitable for cross-border e-commerce and advertising.
- Applicable Scenarios: Amazon shopping, Facebook advertising, ChatGPT subscriptions.
3. PokePay: HKD Card + Physical Card, Full Coverage Online and Offline#
PokePay is a virtual credit card from Hong Kong that supports HKD settlement and multi-currency consumption. It not only provides a virtual card but also offers a physical card option, suitable for users with offline consumption needs. PokePay supports recharge via USDT, BTC, and other cryptocurrencies, and after binding with Hong Kong Alipay (AlipayHK), it can also be used for QR code payments in mainland China, making it a "withdrawal tool" for crypto users.
- Features: Supports 3DS verification, low fees, physical card can be used for ATM withdrawals.
- Applicable Scenarios: Netflix subscriptions, cross-border e-commerce, offline POS machine consumption.
4. Dupay: Established and Stable, Suitable for Multiple Payment Scenarios#
Dupay (formerly DePay) is the "big brother" in the virtual credit card world, with a large user base and a full range of Visa and Mastercard options. It supports recharge via USDT, suitable for users with a basic understanding of cryptocurrencies. Although it occasionally undergoes system maintenance, its stability remains intact, supporting platforms like ChatGPT, OpenAI, and PayPal, and can also bind with Alipay and WeChat for domestic consumption.
- Features: No recharge threshold, KYC optional, flexible fees.
- Applicable Scenarios: API recharge, overseas software subscriptions, domestic consumption.
5. WasabiCard & LocalCard: Niche but Promising#
WasabiCard and LocalCard are emerging virtual credit card options suitable for users seeking low costs or privacy. They also require purchasing USDT through exchanges like OKX, but the application process is simple. WasabiCard supports payments across multiple platforms, while LocalCard is known for its low entry barriers, making it suitable for beginners.
- Features: Low fees, WasabiCard offers balanced functionality, LocalCard is easy to operate.
- Applicable Scenarios: Small subscriptions, cross-border shopping.
How to Apply for and Use a Virtual Credit Card?#
Applying for a virtual credit card is not complicated. Here are the general steps, using WildCard as an example:
- Register an Account: Visit the WildCard Official Website, enter the invitation code "LEIXUE" for discounts, and complete a simple registration.
- Pay the Card Opening Fee: Pay via Alipay (2 years for $11.99), no KYC required, and the card opens instantly.
- Recharge Your Account: Recharge with RMB via Alipay or WeChat, with funds credited in real-time.
- Generate Card Number: Log into the platform, generate your virtual card number, expiration date, and CVV code, and use it for overseas payments.
- Bind for Consumption: Bind the card number to platforms like ChatGPT, App Store, etc., and enjoy the services!
For platforms like VCard and PokePay that require USDT, you also need to:
- Register and purchase USDT on OKX, Binance, or HTX.
- Transfer USDT to the wallet address of the virtual card platform (make sure to select the correct network, such as TRC20 or ERC20).
- After the recharge is credited, you can generate a card number for consumption.
Tip: Estimate your consumption amount and fees when recharging to avoid insufficient balance. It is recommended to recharge and use immediately, and not to keep too much money on the card for safety!
Conclusion: Which Virtual Credit Card is Most Suitable?#
For domestic users, WildCard is undoubtedly the top choice, with Alipay recharge, no KYC, and support for mainstream platforms, making it tailor-made for beginners. If you are familiar with cryptocurrencies, VCard or PokePay may be more suitable, especially in scenarios requiring domestic consumption or physical cards. Dupay, WasabiCard, and LocalCard are also good alternatives, depending on your usage habits and needs.
Overall, virtual credit cards make overseas payments so easy! Whether binge-watching, developing, or shopping overseas, choosing the right platform can save you time and effort. Go ahead and try WildCard and start your overseas payment journey with the invitation code "LEIXUE"!