There are several options for a work access card. It is probably a low frequency card, but that is not certain.
Can you try scanning your work access card with your phone?
How to share NFC chip data via TagInfo app
This will at least tell us if it is NFC or low frequency. Model numbers from the cards and readers should also help.
As for credit cards they will be smart cards and are not cloneable. Your options at the moment are to use WalletMor in Europe or the Payment conversion service anywhere else. You might be able to use a Vivokey Apex in the future but not yet.