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How to upgrade your Visa card to a Mastercard for free

Updated this week

Important: Your Visa card will terminate on March 31 and cannot be used after this date. Any transactions attempted with this card after March 31 will be declined. To avoid disruption, make sure you upgrade your card and update your card details anywhere they are saved before this date.

Upgrading your Visa card to a Mastercard is free and only takes a few steps.

When you upgrade, a new Mastercard is issued to the same cardholder. Your existing card controls are carried over, so you can keep using your card settings without starting from scratch.

What happens when you upgrade a card

When you upgrade your card:

  • A new Mastercard is issued to the same cardholder

  • All existing controls, including limits, rules, and restrictions, are copied to the new card

  • You can edit these controls at any time on the new card

Your old card will:

  • Stay active until March 31st or

  • Stop immediately if you freeze or terminate it

Important

Once your new card is issued, make sure you update your card details anywhere your old card is saved, including: Subscriptions, Online tools. SaaS platforms and Recurring payments

How to upgrade your card on desktop

  1. Go to Cards

  2. Click Action needed

  3. Find the cards marked as Visa

  4. Select the card you want to upgrade

  5. Click Upgrade now

  6. If you are upgrading a virtual card, choose your card colour and confirm

  7. If you are upgrading a physical card, simply confirm

How to upgrade your card on the Pemo app

  1. Go to Cards

  2. Tap the All tab

  3. Tap Action needed

  4. Select the Visa card you want to upgrade

  5. Tap Upgrade now

  6. If you are upgrading a virtual card, choose your card colour and confirm

  7. If you are upgrading a physical card, simply confirm

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