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Virtually indispensable.

Never worry about forgetting your card again. All the convenience, control, and cashback with none of the hassle.

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A powerful companion to your physical card.

Zero delay

Use your virtual Neo credit card the second you’re approved, there’s no need to wait for your physical card to earn cashback.

7,000 loyalty programs in one

Hop onto the rewards map in the Neo app to view cashback offers near you.

Categorized insights

Stay on top of your expenses with Neo’s real-time spending insights.

Peace of mind and security

Card freeze

Freeze and unfreeze your card with a tap.


Get real-time transaction notifications.


Covered by Mastercard® Zero Liability protection¹.


World-class payment securitization.

Ready when you are.

Forgot your card at home? With Neo’s virtual card, you can log in to your account for your card details or use your virtual wallet to pay.

Set up in seconds

Add your card to the Apple or Google Pay wallet app on your phone and use it anywhere Mastercard is accepted.

Cashback alerts

Get notified about things you actually want—like cashback deals at your favourite places.


Never miss a payment. Automatically pay for your monthly statements and avoid accidental interest charges.

Loyalty & Card Linking

(Coming Soon)

We’re bringing you the ability to link external loyalty programs and non-Neo cards to the rewards network.

Apply in minutes. Use instantly.

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¹ Pay only for purchases that you have authorized on your Mastercard. Conditions and exceptions apply. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International inc. Apple Pay is a trademark of Apple Inc.Google Pay is a trademark of Google LLC.