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Which banks offer virtual credit cards in India?

Which banks offer virtual credit cards in India?
Every day we read about fraud cases of using credit cards online. So, now most people hesitate to share their credit card details on websites for online transactions. To resolve this anxiety of credit card users, most banks are now issuing virtual credit cards for online transactions, but many people are not aware of these services. So, let's understand about virtual credit cards in detail in this article.

Many banks are offering virtual credit cards. Listed below are some of the banks with respective website links for further information:

SBI Virtual Card

Kotak netc@rd

Axis Bank e-wallet card


HDFC NetSafe

What is a virtual credit card (VCC)?

Primary credit card holder can apply for an add-on visa credit card known as virtual credit card. However, these cards don't have any plastic existence. You can instantly generate virtual credit card online by using net banking facility and by providing credit / debit card details on respective bank websites.

After generating VCC, you can view card number, validity details, expiry date and CVV number online which will be used only for online transaction. Using VCC enables you to do hassle-free online transactions and you don't have to share details of your primary credit card.

What is the validity of virtual credit card?

VCC cards are valid for a maximum of 24-48 hours or till the transaction is complete, whichever is earlier. So, probability of misuse of credit card is significantly lowered since details of primary card are not shared with merchants and this VCC also expires after one time usage.

What will be the minimum and maximum limit on virtual card?

The minimum credit limit on your virtual credit card can be Re.1/-. You can change the maximum limit on your VCC within the overall limit of your primary card.


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