Whether you're spending locally or across the globe, our suite of bank cards — spanning Visa, Mastercard and Amex — gives you the freedom, security and rewards you deserve.
Our cards run on the world's most trusted payment networks, giving you access to hundreds of millions of merchants worldwide.
Accepted at 80M+ merchants in 200+ countries. The world's most recognised payment brand.
Global #1Over 1B+ cards issued globally. Leading contactless & SecureCode technology for online safety.
WorldwideThe premium network of choice — exclusive member rewards, travel perks and purchase protection.
PremiumNo annual fee on select cards, plus cash-back on every purchase. Honoured in 200+ countries.
Cash-backWorld's largest card network by card count — essential for transactions across Asia and beyond.
Asia leaderFrom everyday debit to premium travel, every card is chip-secured, contactless-ready and backed by our 24/7 support.
No fine print, no nasty surprises — just the benefits you need, built in from day one.
Apply today, receive your virtual card number immediately for online use while your physical card is in the post.
Tap to pay at any NFC terminal globally. Support for Apple Pay, Google Pay and Samsung Pay built in.
You're never responsible for unauthorised charges. Our fraud team monitors every transaction 24/7.
Visa, Mastercard and Amex cover over 200 countries and 80 million merchant locations worldwide.
Freeze, unfreeze, set limits, view statements and manage every card from a single in-app dashboard.
Lost your card? Suspect fraud? Our dedicated card support line is open every day, every hour.
All the details in one view so you can pick with confidence.
Tap "Apply Now" on any card to start your application — takes under 5 minutes.
| Feature | Visa Classic | Visa Platinum | MC Gold | Amex Business | ✦ Black Card | Flex Miles |
|---|---|---|---|---|---|---|
| Annual Fee | Free | €195 | €95 | €250 | Invitation | €125 |
| Credit Required | — No | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Elite | ✓ Yes |
| Contactless | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Travel Rewards | — | ✓ | ✓ | ✓ | ✓ | ✓ |
| Cashback | — | ✓ 1% | ✓ 2% | ✓ 1.5% | ✓ 5% | — |
| Lounge Access | — | ✓ | — | ✓ | ✓ 1,400+ | ✓ |
| Concierge | — | ✓ | — | ✓ | ✓ Private | — |
| Foreign Fee | 1.5% | None | None | None | None | None |
| Purchase Protection | — | ✓ | ✓ | ✓ | ✓ | ✓ |
| Network | Visa | Visa | Mastercard | Amex | Mastercard | Visa |
Multiple layers of security guard every transaction, giving you complete peace of mind whether you're spending locally or globally.
Each card carries an encrypted chip that generates a unique code per transaction — impossible to clone.
Online purchases trigger a real-time identity check so only you can authorise your transactions.
Instant SMS/push notifications for every charge, no matter how small. Stay in control always.
One tap in the app freezes your card entirely — unfreezes just as fast when you find it.
Face ID and fingerprint unlock add an extra layer before any payment can be confirmed.
Any fraudulent charge is refunded in full. You will never be held responsible for unauthorised use.
Join 500,000+ SterlingAccess customers already spending smarter with their card of choice.