Digital Safety

Virtual Credit Cards

Secure your online purchases with virtual credit cards. Generate temporary card numbers instantly, set transaction limits, and safeguard your credit balance from fraud.

Instant Issuance

Generate virtual cards immediately inside your mobile banking app. Get a separate card number, CVV, and expiry date.

Fraud Protection

Use virtual cards for online transactions to keep your physical credit card details private and safe from hacker databases.

Exact Limits

Set specific transaction spending ceilings or configure single-use cards to block recurring subscription fees.

Instant Generation

Secure & Convenient

A virtual credit card functions exactly like a standard physical card for online swiping. However, since it has no physical presence, it cannot be stolen or skimmed, and you can instantly delete or block it with a single tap on your app.

✔ No physical card delivery wait times
✔ Set customized transaction rules
✔ Protect against subscription traps

Virtual Cards

Why Use Virtual Credit Cards?

Virtual credit cards are digital payment tokens issued by banks to safeguard customer transactions. Here are their key benefits:

Masking Main Account Details: Swiping online exposes card details. Virtual cards mask your primary account credentials, ensuring database leaks won't affect your main line of credit.
Single-Use Limitations: You can generate single-use virtual cards that expire automatically in 24 hours or after a single transaction, making them perfect for testing fresh shopping portals.
Easy Management: Enable, disable, freeze, or delete virtual cards instantly on your phone with zero calls to bank customer care.

FAQs

Frequently Asked Questions

Find immediate answers regarding virtual credit cards.

What is a virtual credit card?

A virtual credit card (VCC) is a digital-only credit card generated inside your bank's net banking or mobile app. It carries its own unique 16-digit card number, CVV, and expiration date linked to your primary credit card account.

How do I generate a virtual card?

Log in to your bank's mobile banking app, navigate to the "Cards" or "Services" section, select "Virtual Credit Card", set your transaction limit, and confirm with an OTP. Your card details will render instantly on screen.

Can I use a virtual credit card at offline stores?

Since VCCs have no physical plastic body, they cannot be swiped at brick-and-mortar stores. However, you can add them to mobile wallets (like Samsung Pay, Google Wallet, or Apple Pay) to tap-and-pay at POS swipe terminals, or link them to UPI apps if they are RuPay cards.