Credit & Debit Cards

Novita Pay Cards put complete control of your spending directly in your hands. Issue a virtual card instantly the moment your account opens, order a premium physical card when you want one, and manage everything — freezing, limits, single-use numbers, contactless wallets — from a single, elegant interface. Both credit and debit options are available, all accepted at millions of merchants around the world and integrated with the mobile wallets you already use.

Every card comes with real-time notifications, granular controls, and the same rigorous security that protects the rest of your account, so you can spend with confidence wherever you are.

A card the instant you need one

Waiting a week or more for a card to arrive in the post belongs to a bygone era. With Novita Pay, a fully functional virtual card is issued the moment your account is ready, allowing you to add it to your mobile wallet and start spending immediately — online and, via contactless, in physical stores. When you want the tangible convenience of a physical card, you can order a premium one that arrives ready to activate with a single tap. The virtual card, meanwhile, remains available as an instant backup should your physical card ever be lost or left at home.

Precise control over every transaction

Your cards should do exactly what you want and nothing you do not. Novita Pay gives you an unusually rich set of controls: freeze and unfreeze a card instantly, set spending limits by amount, category, or merchant, enable or disable online transactions, contactless payments, cash withdrawals, and international use independently, and receive an immediate notification for every transaction as it happens. If a card is misplaced, a single tap freezes it while you look; if it is truly lost, another tap cancels it and issues a replacement, all without a phone call.

Single-use numbers for online peace of mind

Every time you enter your card details on an unfamiliar website, you take a small risk. Novita Pay lets you generate single-use virtual card numbers for online purchases, isolating your primary card from merchants you do not fully trust. Once used, the number cannot be reused, so even if a merchant's systems are later compromised, your real card details remain untouched. It is a simple, powerful tool that turns the anxiety of online shopping into confidence.

Worldwide acceptance and honest exchange rates

A card is only as useful as the places it is accepted, and Novita Pay cards are welcomed at millions of merchants across the globe, both in person and online. When you spend abroad, transactions are converted at transparent, near-interbank rates with no inflated markups, and every notification shows both the original and converted amounts alongside the exact rate applied. Travelling no longer means dreading the statement that follows — you always know precisely what you paid and why.

Credit that respects you

For those who choose a credit card, Novita Pay applies the same philosophy of transparency and fairness that defines the rest of the platform. Rates and terms are stated clearly, statements are easy to understand, and tools help you track spending and stay comfortably within your means. Responsible-use features encourage healthy habits rather than pushing you toward unnecessary debt, reflecting a genuine interest in your financial wellbeing rather than in maximising interest charges.

Security woven through every card

Card fraud is a persistent threat, and Novita Pay defends against it with layered protection. Transactions are monitored in real time for unusual patterns, sensitive card details are tokenised within mobile wallets so your real number is never exposed at the point of sale, and any suspicious activity triggers an immediate alert and, where appropriate, a hold for your confirmation. Combined with the instant controls in your hands, this means your cards are protected around the clock — quietly, effectively, and without requiring you to do anything at all.