12 Best Virtual Credit Cards In India (VCC)

Carrying cash was hard, what about carrying credit cards, don’t you want to carry them too? Here are the 12 best virtual credit cards in India for you. Make your choice wisely!

Are we now on a journey from a cashless wallet to a cardless wallet? In today’s world, virtual credit, also known as a ‘prepaid credit card’ or a ‘virtual debit card’, has become another revolution.

First let’s find out what is a virtual credit card?

Given the current circumstances and scenario, virtual credit cards have become a trend online. Now, a virtual credit card also has a card number, date, CVV number just like any other card out there, and the only difference is that these virtual cards are only available online on the bank or financial institution’s website or on their official cell phone app.

We all question ourselves as to why we should buy this product or take any particular service, right? What do we do then? We get online and search for its use and benefits, don’t we?

Here you will learn why we should get a virtual credit card?

So, just like every product or service out there in the market, these virtual credit cards have their own set of uses and benefits. Let’s see what we can do with a virtual credit card:

  1. There is no annual fee or renewal fee for a virtual credit card.
  2. Hassle-free application and delivery. Online application and delivery makes everything super fast.
  3. Virtual credit cards are accepted by every merchant that accepts payment from VISA and MasterCard Credit/Debit card.
  4. Since you or the bank/financial institutions load an amount into these virtual credit cards, this now means that if you ever suffer from phishing or any other form of digital fraud, you will only lose the amount on the card that your actual hold credit card. , debit card and bank account information securely.
  5. Like other credit/debit cards or net banking, virtual credit cards also verify your transaction via OTP (One Time Password)
  6. Virtual credit cards also offer discounts and other benefits, just like any other credit card.
  7. If you are a freelance digital marketer, writer, or blogger, social media enthusiast, then having a credit card is essential because most of the websites do not accept debit cards, and many individuals do not have a credit card. . After all, banks do not provide credit cards to freelancers . So, for all the freelancers out there, a virtual credit card is a necessity.
  8. Now let’s talk about students with debit cards, especially those who are binge-watchers and with all the subscription-based streaming services coming into the market that do not accept debit cards as a payment method, their hearts are breaking. However, with a virtual credit card you can Netflix and chill.

12 Best Virtual Credit Cards in India

Well, now you are aware of the benefits of these cards. Therefore, it is time to explore the options.

1. HDFC NetSafe Virtual Credit Card

HDFC NetSafe virtual credit card

HDFC is the largest issuer of credit cards in the country and is also known in the virtual credit card sector.

The HDFC NetSafe Virtual Credit Card is a free card valid for one single transaction only, where the card limit depends on how much amount you add to your virtual card. Now, the lifetime of this card is 48 hours, and after the expiry of this card, the unused or remaining balance is transferred back to the source (your bank account). However, the cardholder can generate up to 5 virtual credit cards in a day.

The HDFC NetSafe virtual credit card can be used on any merchant websites that accept VISA and Master Card for payment.

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2. SBI Virtual Credit Card

SBI Virtual Credit Card

Just like the HDFC NetSafe Virtual Credit Card, SBI Virtual Credit Card is also a free card valid for one transaction only. This card expires after 48 hours of creation or after one successful transaction (whichever is earlier). This card cannot be used for international payments.

See also  How To Maintain A Good Credit History

You can generate as many virtual credit cards as you want in a day; however, the minimum amount is ₹ 100, and the maximum amount is ₹ 50,000.

If you are a SBI customer, you don’t need to go through any registration process, all you need to do is log in to your net banking and create it. If this is your first time, you can follow these steps:

  1. Log in to your SBI Net Banking .
  2. Then click on the ‘e-Card’ tab and select the ‘State Bank Virtual Credit Card’ option.
  3. Then enter the amount you want to add to your card.
  4. Then check the ‘Terms and Conditions Agreement’ and click the ‘Generate’ button.
  5. Now verify your details by entering the OTP.
  6. Finally, after verification, your card will be generated and ready to use.

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3. Oxigen Virtual Prepaid Visa-kaart

Also known as Virtual Ecard, Oxigen Virtual Prepaid Card is one of the best virtual credit cards. Just like any physical card, you can use it to shop online on websites like Flipkart, Amazon, etc. RBL Bank issues this card in India.

You can create the map by following these steps:

  • First download the Oxigen Wallet app on your phone and then register with RBL bank by providing contact details and email address.
  • After this, when you will open the application, you will see the option of ‘Virtual E Prepaid Visa Card’ on the main page.
  • Now on this page you will see the checkbox against ‘Terms and Conditions’, check it and click on ‘Create my car’.
  • After this fill all the details required for RBL registration and click on the ‘OK’ button.
  • Then enter the amount and ATM PIN to create the virtual credit card and then click on ‘Create Card’.
  • Finally, your virtual credit card is ready to use. Now enjoy shopping with one of the best virtual credit cards offered by RBL Bank and Oxigen.

4. Bags by ICICI

Sakke from ICICI

Pockets is a wallet service offered by ICICI Bank. You don’t need to be an existing customer of ICICI bank to access Pockets.

In other words, Pockets is a free virtual Visa credit card that provides a wallet that can be used to make payments on all online merchants in India. With pockets, you get another benefit of having a physical card with you; however, you will have to pay an annual fee for it. Since you get the physical card, you can also use it at any brick and mortar store.

The list of benefits does not end here; you can also transfer money using NEFT/IMPS using Pocket app.

Moreover, the ICICI Bank is now developing its application so that users can visit ICICI Bank to transfer cash to virtual credit card.

For now, though, you’ll have to rely on the Pockets app.

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5. Kotak NetC@rd

Kotak NetC@rd

The Kotak Netc@rd is another in the list of  best virtual credit cards  issued by the Kotak Mahindra Bank. It is a secure payment solution and can be used to shop online at various merchant sites that accept VISA cards.

Kotak Netc@rd is a virtual credit card by adding money to it through net banking and it is a one time use card only with a lifetime of 24-48 hours. This card is universally accepted. You don’t have to pay any fee for creating this card.

Follow these steps to create your own Kotak Netc@rd:

  • Log in to your Kotak Netbanking account .
  • Select the ‘Netc@rd’ tab on the dashboard.
  • After this you will receive an OTP on your registered mobile number. Then enter the OTP.
  • Now enter the amount you want to add to the virtual credit card. Then select the account from which you want to add the funds in your netc@rd.
  • Then click on ‘Generate’.
  • Finally, your virtual credit is ready for use.
See also  How To Maintain A Good Credit History

Now the following details will be displayed on the screen.

  • Card number
  • CVV2 value
  • Expiration date

Use these details to make payments on merchant websites.

Kotak Netc@rd supports both local and international payments but the only limitation of this card is that it cannot be used with Paypal as it only supports one successful transaction.

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6. Union Bank Digipurse Wallet

Just like ICICI Bank and Axis Bank, Union Bank also offers its own digital wallet services. The virtual card offered by DigiPurse allows you to make domestic and international payments. It even works on various international portals that do not support debit cards due to forced 3D code (2FA) requirements.

The virtual credit card offered by DigiPurse can be used to make purchases from iTunes, Google Play, Paypal, Aliexpress and almost all other merchant and e-commerce sites.

It’s a good option for freelancers and students, and the prepaid keeps spending limited, making it a safe choice for making international payments, as several websites don’t ask for OTP.

What else can you do with this Digipurse wallet?

The following are the things you can do with your Digipurse virtual credit card:

  • Credit card bill payments, utility bill payments, insurance payment data card, DTH and prepaid recharge.
  • Transfer money to other’s Digipurse or NEFT/IMPS to bank account.
  • View detailed statements.

You can create your Digipurse Wallet by following these steps:

  • Download the Digipurse app from Google Play/ iTunes/ Microsoft Store (according to your phone’s operating system)
  • Enter your mobile number to receive the OTP for further verification.
  • In the next step, provide personal information as requested to complete the login process.
  • After that, set up the Login ID and Transaction Password.
  • Since the first load cannot be less than ₹500, load at least ₹500 via net banking or a debit card.
  • It takes about 24 hours to show the loaded amount.
  • After the amount is credited, tap on ‘View Card’ and start using it.

To use it in India, you need to set up the Verified by Visa 3D code during your first transaction.

Please note: Digipurse wallet no longer works on international websites.

7. Slonkit Prepaid Wallet

Slonkit is another smart mobile wallet that offers money management services, but with the support of DCB Bank, it has started to provide prepaid wallet service. It offers a free Free VISA prepaid credit card, instead of a virtual credit card. However, you cannot use this card to withdraw cash.

What are the other benefits of this card?

  • It helps users to learn and manage their expenses.
  • It is more suitable for children, and the spending pattern can be monitored by the parents.

Create your Slonkit account by following these steps:

  • Visit the website or go to the App Store.
  • Enter the required information
  • Add the amount you want to load into your Slonkit account
  • Finally, your card is ready to use.

8. LazyPay


LazyPay follows the same concept as a credit card, where you get the pay later option (spend first pay later). Here you don’t need to have a physical card. You get the convenience of transacting with multiple merchants, and the bill/statement is generated on the 1st and 16th of every month. You can clear your fees right after you make the transaction, or you can pay by the next payment date which is 3 days after the invoice summary is generated.

See also  How To Maintain A Good Credit History

In terms of features, it is slightly different from a credit card as this card has no card number, CVV number , etc. However, the concept remains the same.

LazyPay gives you a credit limit of ₹ 1,00,000 for:

  • Pay Laterfussd
  • as Instant Personal Loans
  • EMI plans

You can avail of direct personal loans for a duration of 3-24 months (3 months to 2 years) at an interest rate of 15% to 28%. The processing fee involved it 2% of the amount.

For the pay later option, you will need to check your credit limit after providing your KYC (Know Your Customer) details. Every purchase made is consolidated into a LazyPay account, and the payment date is 3 days after the account is generated, that is the 3rd and 18th of each month.

With LazyPay you can make purchases from Flipkart, ZAP, MakeMyTrip and convert your payments into EMI from LazyPay.

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9. Ewire


Ewire, formerly known as Cashier and website and the website called liveewire, is another platform that lets you forget your original credit and debit card.

Along with a CVV number and expiration date, Ewire Virtual Credit Card has several features, which is why it is one of the best virtual credit cards. Ewire also offers additional discounts at select merchants.

You can use Ewire virtual credit card for:

  • Transfer of money to other bank accounts.
  • Recharge your mobile phones (postpaid and prepaid)
  • ATM withdrawal
  • All types of bill payments and incidental shopping expenses (including online purchases)

You can set up your Ewire account by following these steps:

  • Download the Ewire mobile app from the Play Store
  • Fill all the fields with the required details
  • After verification, you can now apply for the card.

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10. Axis PayGO

Axis PayGO

Axis PayGo replaced its predecessor Lime Wallet which is now discontinued. Now, to open an AXIS PayGO account, you need to be an existing Axis Bank Savings Bank Account customer.

The Axis PayGO is packed with various benefits, such as:

  • The ease of cashless transactions
  • Option to load money through SMS or mobile app.
  • Tap on the merchant terminal to complete your purchase with your ID card.
  • Free transaction alerts for all the transactions you make

You can use these steps to create your Axis PayGO Wallet:

  • Visit the Axis bank paygo wallet website .
  • Click on ‘Create your PayGO wallet.’
  • Confirm via your debit card or net banking
  • Enter your card ID number, employee / student ID, employer / institute name.
  • Then enter the OTP received on your registered mobile number.
  • Finally, load money into your wallet and use it wherever you want.

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Another best virtual credit card in collaboration with RBL Bank, Udio offers free virtual VISA credit card that can be used across India and is a perfect choice if you want your child to have a virtual credit card.

Udio also provides a physical card for a nominal fee, which also allows you to purchase from local merchants. It offers various cashbacks and discounts. You can load money on your virtual credit card using your credit/debit card or net banking services. You can also use your Udio Money Points to load cash into the card.

With Udio you can even send or receive money directly into the bank account.

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12. ecoPayz


FCA-regulated and an authorized MasterCard provider, ecoPayz is a safe and secure international payment solution that empowers customers and organizations to make payments.

ecoPayz Trading Account enables retailers and merchants to receive and send funds effortlessly from around the world. With ecoPayz Business Account , you can create hassle-free payment solutions for paying individuals, office staff, etc. across 173 countries.

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