12 Best Virtual Credit Card India |Debit|Visa|For Netflix|Prime|Gaming Free Signup
12 Best Virtual Credit Card India |Debit|Visa|For Netflix|Prime|Gaming Free Signuphttps://themoneyvalue.com/virtual-credit-card-india/Virtual credit card india is a new disruption for a physical credit card. Many times we face the difficulty on an online website for not having the credit card.
Not only that but also many websites offers to save your details before signup, this gives rise to a risk of fraud on the card. Nowadays it is very much we see the credit cards frauds in India.
11 Free Virtual Credit Card India |Debit Card|Visa Card| for India Netflix|Amazon Prime| Bloggers| Freelancers for Free Signup, A Complete Guide.
There was a time when people were talking about shifting from real money to plastic money. Virtual Cards is another revolution on its way. Virtual credit cards are not the physical/Plastic cards. It is a card which we can see on a website or on App. A virtual credit card is also known as Prepaid credit card or Virtual Debit Card.
It is the same replica of your plastic cards having CVV Number, Expiry date, Name & Number.
What is a Virtual Credit Card (VCC)?
You can use only when you upload some balance in it. KYC for virtual credit card India is necessary.
These types of cards are specifically designed for online transactions. Entire details of virtual credit card including card number, CVV number and validity, expiry date, remain online only.
There is an option in some case where you can order this virtual card & it will be delivered to your doorstep. But it is not needed as we are talking about the only virtual cards & phasing out plastic cards.
Read here: Don't work for Money Let's Money Work for You.
Why Virtual Credit Card (VCC)?
Virtual cards playing a lead role nowadays due to hassle-free & fast delivery of the card. I mean we all know when you apply for credit card how much documents banks asked for. Documents like Salary slip, residential proof etc.
Bloggers and Freelancers often have to make payments online for goods and services like web hosting and advertisements.
Many services like Netflix, Amazon Prime, Sony live etc. asked for card details. If you just want to trail run & need not wants to worry about getting amount debited after the end of trial period. The virtual credit card India plays an important role.
Who Provides Virtual Credit Card (VCC)?
There are two primary providers of the virtual cards. The first one is of course Banks & others are new NBFS (Non-Banking Financial Service) Providers like PayPal, Entropay, Freecharge etc.
Who is the Governing Authority for Virtual Credit Card India (VCC)?
RBI is the governing body & approving authority for all these Virtual credit cards in india.
What are the Advantages / Benefits of the Virtual credit card India?
- It is one of the most secure payment option. This card can be used only once this means chance of misuse is nearly nil.
- The limit of usage is fixed and cloning of card information is not possible.
- Like normal credit card you will need OTP via SMS for authentication.
- You can make VCC of any amount as per your requirement.
- It is free card and bank does not charge anything for this card.
- You can cancel this card anytime with a click of a button.
List of Service Providers Virtual Credit Card India.
1. Entropay Virtual Credit Card:
It's an international virtual credit card. it accepted almost in every country.
Visit the Entropay site and click on Get Started Now.
Key Features of Entropay Virtual Credit Card:
Create an Entropay account or card: Free
Top up from a credit or debit card: FROM 1.00%
Withdraw to bank account: $2.99-$14.99
Receive a transfer: Free
Steps by Step Guide to open Entropay Virtual Credit Card India:
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- Enter the details and Get yourself registered/signup instantly.
- On the dashboard click on “create your Entropay card”. You will be directed to the screen like the one below:
- It is advisable to create the card and select the currency USD if you are making payments in the US market.
- Enter the Top-Up amount from $5-$300. You can even top-up from your Indian bank account. Just click on My account> My bank account.
- Your credit card number, cvv number, date etc. will not be generated unless & until you top-up the card.
- You will be required to pay 1.95% of the total top-up amount. It is a little more but a secure way to make the transaction in the international market.
- Finally, you will have your card ready to be used for payments.
2. HDFC NetSafe Virtual Credit Card:
As i said virtual credit card india are provided by Banks & NBFS as well. HDFC net safe is well-known bank in virtual card sector.
Click here to Get Started With HDFC Netsafe Card.
Key Features of HDFC NetSafe Virtual Credit Card:
- The lifetime of the card is 48 hours.
- The limit of this card is depended on your primary credit or debit card.
- It is a single transaction card.
- It is a free virtual credit card.
- No Charge on HDFC Customer.
Also Read: New eKYC EPFO Portal Link Aadhaar
3. Payoneer Virtual Credit Card:
Payoneer is a financial services company that provides online money transfer and digital payment services. Founded in 2005.
Just like Entropay, Payoneer also provides you with the facility to create a free instant virtual credit card. However, it charges you a fee to create the Mastercard, but the payment is 100% secure and safe.
The Steps to create a Payoneer credit card is shown here:
- Go to the Payoneer website and start by applying for the new account.
- Click here Signup & get $25 click here on payoneer.
- You will be required to submit the important documents in order to be a confirmed customer and to verify the details.
- Upon successful confirmation will lead to the generation of free bank account number which you can use.
- Here click on the ‘Help’, send a message and provide the registered email address and state why you require a Virtual credit card.
- After above you will get a mail asking for your choice for the free instant approval credit cards or the plastic one. Make your choice and you will be mailed with the numbers.
- Payoneer is no more offering Prepaid MasterCard in India due to local restrictions.
4. SBI Virtual Credit Card:
A public sector bank which famous for bad loans. SBI is a most popular bank for virtual credit card India.
Click here to signup SBI Virtual credit card.
Key Features of SBI Virtual Credit Card:
- It is a Single transaction credit card. As soon as the transaction is completed. Or If the card is cancelled. Or Card is not used for 48 hours after creation. (Whichever is earlier).
- if you are existing customer SBI No separate registration required. It can be generated by net banking account.
- You can generate N number of virtual cards. There is no limit on a number of virtual cards created by the customer per day.
Open virtual card of SBI by the following step:
- Go to SBI Internet Banking and click on Log In.
- Click on e-card tab and select the ‘State Bank Virtual Card’ option. Top on the right side.
- Enter the amount for which you want the Virtual Credit card of SBI.
- You are ready to use the card after you click on Generate button, after agreeing to the terms and Conditions of usage.
- Furthermore, verify the account holder name, a/c number, and the virtual card limit.
- OTP will be delivered on your cell number.
- Finally, on successful verification, the card will be generated and you can use it for any e-commerce operations.
5. OXigen Wallet Virtual Card:
Oxigen is one of who service provider who provides virtual cards India. app-based technology used here. They tie up with RBL Bank to provide the cards.
Key Features of Oxigen wallet prepaid Card:
- Use multiple time till you have balance in virtual card.
- You can upload card balance only once irrespective of how much you have money in oxigen wallet.
- No Bank account needed, but KYC is compulsory.
- Accessible via App.
- From App store (IOS) or Playstore download the Oxigen wallet app.
- Go to signup, fill up the necessary details.
- See on home page "Virtual E beta prepaid card".
- Click on Virtual card option & go ahead to Create on card
- Fillup RBL Bank form.
- Setup pin & amount you want to upload.
- Now click on create a card.
6. Kotak Netc@rd:
Kotak Mahindra bank provides Kotak Netc@rd virtual credit card india.
Netc@rd is a secure payment solution from Kotak Mahindra Bank. You can then use this netc@rd to shop online at any merchant website which accepts VISA cards.
Kotak netc@rd is an online virtual card, created through a debit to your account on Net Banking.
Key Features of Kotak Netc@rd Virtual Card:
- It’s a one-time use virtual card that can be created from your bank account to shop online.
- Universal acceptance.
- Expires after 24-48 hours or use whichever earlier.
- No fees on creation or use of Netc@rd.
- YGo to the Kotak website and log in to your NetBanking account.
- On the Dashboard click on the tab”NetC@rd”
- OTP will be sent to your registered mobile number.
- Now enter the amount for which you want to create the virtual card
- Select the account from which you wish to draw funds for creating netc@rd.
- and click on OK to generate.
- NetC@rd is ready to use
The Kotak Virtual NetC@rd can be used for both domestic and international purchases, facilitating you to make transactions in the foreign market.
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7. Pockets Card by ICICI:
When it comes to the private bank after HDFC, ICICI is another bank who almost on top of the technology. ICICI introduce Pocket some time ago when others are still in developing phase.
It is not mandatory you should be a customer of the bank. Download the free app from IOS or google play store.
It is one of the app which provides the UPI,NFC & Bharat QR Code payment.
Pockets wallet also comes with a physical shopping card which can be used to shop on any website or retail stores.
Steps to Create Virtual Card by ICICI
- Click here to Download the free app from IOS or google play store.
- Submit the required details
- Finally, you are ready for use once the balance is uploaded.
8. Axis PAYGO:
This is a replacement of Lime Wallet By Axis Bank. Lime is discontinued by Axis Bank for virtual credit card india.
Key Features of Axis PAYGO Wallet:
- Cashless transactions on the go.
- Pay exact amount.
- Check balance and load money via SMS or app.
- Easy to load – easy to pay.
- Tap on the Merchant terminal to complete your purchase with your ID Card.
- Free transaction alerts for all actions using your PayGO wallet.
- Click create your PayGO wallet
- Authenticate using your Debit Card or Internet Banking
- Provide your Card ID number, Employee / Student ID, Employer / Institute name along with OTP sent to your registered mobile number.
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9. Union Bank Digipurse Wallet:
This one more VCC from one of the leading bank. You can Simply add money from your debit card, credit card, internet banking and IMPS into your DigiPurse wallet to get started.
Key Features of DigiPurse App:
- DigiPurse App is available on android, ios and Windows.
- Currently, there are no charges for using Union Bank DigiPurse wallet
- Initial top up amount is Rs.500/-
- Maximum top up amount is Rs. 10,000/- per month
- Maximum wallet balance limit is Rs. 10,000/-
- As per RBI guidelines fund transfer from wallet has been disabled from 01-01-2018.
- Download the DigiPurse application from the respective IOS or app store of your platform.
- Enter the mobile number and then provide the OTP to verify your number.
- Enter the personal information asked for to complete signup.
- Set login and transaction password.
- also load the wallet with at-least ₹500 via a Debit Card, NetBanking or IMPS. The first load cannot be smaller than ₹500.
Note: Digipurse wallet doesn’t provide the detailed transaction history. Hence, you can’t find out where your money is being spent if you do not keep a record of the transactions that you make.
10. FreeCharge Go MasterCard:
After Paytm, Oxigen wallet here is one more Freecharge Go MasterCard. I used this card much time because they offer very good cashback on various payments.
Just download the app from app store & signup.
Go to the Account section. And choose Freecharge Go MasterCard. Now you need to enter four-digit pin, and your card will be ready. Now load funds on your card.
Load funds in Freecharge go MasterCard using your debit card or internet banking.
11. Slonkit Prepaid Wallet:
In the era of paytm, freecharge this is one of the less heard app-based payment company. Work same like another mobile wallet.
Key Features of Slonkit App:
- The Card is back by DCB Bank in india.
- The personalized dashboard of your expenses across categories such as food, travel, shopping.
- Slonkit provides different versions for parents and children.
- The children can use the prepaid card to make transactions both online and offline.
- Set and Track budgets across categories and monitor your expenses.
- Split bills with friends easily.
- The Slonkit card is your VISA prepaid card. You can suspend/ block the card with just a click. Its completely safe and secure.
- Go to App store or visit website.
- Enter the necessary details.
- Add the amount you want to load into your account,
- Finally, card is ready to used.
12. Cashier:
Recently i came across this app to sign up my Netflix trial without worrying about the charges.
It gives you virtual credit card number, CVV, date of expiry instantly. Where some app you need to upload minimum balance. here no requirement of adding balance.
Steps to create Cashier VCC:
- Go to App store & download the app.
- Fill the necessary details.
- verify your cell number.
- Finally, click on create card & yuppy your card will be generated.
Bonus for you...
13. LazyPay:
The concept is the same as a credit card, where you can expense first & pay the bill letter on. Only here you don't need to have a card. LazyPay offers ease of transaction with multiple merchants. Consolidated invoice summary is generated on 1st & 16th of every month.
You can pay back the amount right after the transaction until the next due date to avoid late penalty charges. Due date is 3 days post the invoice summary generation.
It is working with specific vendor & there is not Card number, cvv number etc. it is slightly different than credit card but basic concept is same.
How Lazy pay Works:
You must choose LazyPay as a payment mode available on the merchant’s website.
An OTP is sent to the user for verification purpose and after entering the OTP, the transaction is processed.
How to repay the amount to Lazy Pay:
- Select the ‘Pay Bill’ tab available on the home page www.lazypay.in . Enter your registered details and OTP received. Click on Pay Now.
- Select ‘Login’ tab on home page and enter your registered credentials. Confirm the OTP received and Select ‘Pay Now’ tab on your dashboard.
- Simply click on the tab “Pay now” sent to you on your registered email ID/SMS.
- Download our Citrus App from Play Store. Click on the LazyPay tab available at the bottom, click on the ‘Pay Now’ option available on home screen.
- You can also repay by downloading your statement from your LazyPay dashboard. A ‘Pay now’ tab in the statement will enable you to make your repayment. The repayment can be made using Net banking/Credit/Debit card.
Drawbacks of Virtual Credit Card India?
- Seems like many physical vendors do not accept this card payment. so only work in online shopping etc.
- Cash withdrawal is not possible by using VCC.
- Most of the cases Primary card is mandatory.
Final Wording:
First of all the Virtual Credit Card or VCC & not the complete option to replace the Plastic cards. But someone does not want to carry the credit card can definitely use the VCC.
It's up to you & your needs to apply for credit card. I hope this article helped you.
It's quite simple to create Virtual credit card India with help of App. Also no restriction on no.of cards you can create.
So what are you waiting for, join any of these free virtual credit cards and thank me later :):):)
Please let me know your views on virtual credit cards.
If you have any suggestion or query feel free to ask via comments and don’t forget to share this article on the internet.
Cheers,
CA Siddesh J.
Reach me through Contact US or through admin@themoneyvalue for any questions. I reply to every email.
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