Want to make a payment but worried about getting card details stolen.? If yes then you should go and create free virtual credit card and complete transaction using your new virtual credit card or you can call it a prepaid card. By Virtual Credit Cards you can easily make payments at anywhere without entering your real credit/debit card details.
As soon you create free virtual credit card it’s immediately available for use. These prepaid cards works in same way as your credit card or debit card. Upon signing up you will get your new card number, valid up to date, CVV & your secured pin to authenticate the transaction. Now you can go to any site and make payments freely without any problems and sharing your real credit card details such as credit card number, cvv etc. Your Free Virtual Credit Card is actually a Prepaid Card so you will have to load enough fund in it so you can complete your transaction flawlessly.
In your free virtual credit card you can easily load money by using your debit/credit card, Internet Banking or by IMPS/NEFT Etc.
This post is answer for:
- What is Virtual Credit Cards / Prepaid Cards
- How to create FREE Virtual Credit Card
- How Virtual Credit Cards Works
- Which apps provides Free Virtual Credit Card For Online Use (India)
- How I can get free prepaid physical card for my Online/Offline Purchases
- How to Create a PayPal account in India in case your card didn’t work for international transactions.
Virtual Credit Card Saves Our Card Details:This is the best benefit of using virtual credit cards, you can just make payment using your free virtual credit card instead of directly paying from your card. In case someone try to scam then they just have your virtual card details not real which can save your money.
How to Create Free Virtual Credit Card:
Their is various apps which offers free virtual credit card in India. These apps works as Mobile Wallets as well and have 10k monthly limits due to RBI Rules, You can easily increase your monthly limits up to 1 lac by completing KYC process.
Some apps are issued by specific banks but available for all bank users.
#1- Pockets by ICICI Bank
Pockets is best mobile wallet among all other apps. This app offers a free virtual credit card and provides option to get a physical card by paying Rs.99+tax.
Highlights:
- Free Virtual Credit Card (Visa Card)
- Availability of getting a physical card
- Allows to use pockets credentials as ICICI Internet Banking Login (Even if you are not a ICICI Bank customer)
- mVisa option available
- Touch & Pay (NFC Based) Payment method available
- Load money by DC/NB & NEFT (Use Pockets Card Number as A/C Number & See IFSC Code in app)
#2- Digibank by DBS Bank
Digibank deserve to be on second position after Pockets by ICICI bank. Digibank app provided a Virtual Debit Card instead of credit card which makes it different then others. You can also upgrade for digisaving so you can increase your limits and can get 7% interest as well.
Highlights:
- Free Virtual Debit Card
- Load money by DC/NB/NEFT or IMPS
- Get your Virtual Account Number, IFSC & MMID for receiving payment.
- Upgrade to Digisavings and get 7% Interest & Up to 1 lac limits.
#3- DigiPurse by Union Bank
- It’s Free Virtual Credit Card Can Be Used Internationally
DigiPurse is a lightweight mobile wallet with Free Virtual Credit Card Functionality. Best part is that DigiPurse wallet works for international transactions as well and can be also used for creating and verifying PayPay account.
Download: Android | IOS | Windows
Highlights:
- Offers Free Virtual Credit Card For All Users
- Lightweight app
- Available for all bank customers
- Virtual Visa Card Works for international transactions as well
- Can be used to create and verify PayPal account in India
- Con: After loading money to wallet it takes 24 hour to appear.
#4- PayZapp by HDFC Bank
PayZapp by HDFC Bank is a Highly secured mobile wallet which is accepted at a large number of merchants. PayZapp offers a Free Virtual Credit Card (Visa) as well which can be used to make payments online at most of sites.
(Developed by Wibme)
Highlights:
- No need to Load Money Again & Again, Just Link your DC or CC that’s enough
- Free virtual credit card
- Flight Ticket Booking & Comparison In The App Itself.
#5- PayApt By IDBI Bank
PayApt is developed by same developers as PayZapp, So it uses almost Same UI.
(Developed by Wibme)
Download: Android
Highlights:
- Link card and pay without loading money
- Free Virtual Credit Card.
#6- M Clip By Bank Of Baroda
The app is also Developed by wibme (Same as PayZapp, PayApt). The app uses same UI & Offers same functionalities.
(Developed by Wibme)
Download: Android
Highlights:
- Link card and pay without loading money
- Free Virtual Credit Card.
#7- Lime By Axis Bank
Lime wallet is one of best mobile wallets in India, it offers a VCC as well. In Lime wallet you can upgrade to Lime Digital Saving Account and Increase Your Limits and can get your account number as well for receiving payments.
Download: Android
Highlights:
- Free Virtual Credit Card (Visa)
- Load money by CC/DC & NB
- Upgrade to Lime Digital Saving and increase your limits.
#8- Slonkit By DCB Bank
In one word i can say it’s awesome. Yes it’s a little different then others it offers a Physical Card instead of just giving virtual card. To use Slonkit services you need to be 10 year old & for full services at least 18 year old. Teenagers (10-17 Year) can use the app with their parents permissions and limits set by their parents. While 18+ year old users can avail full benefits without any restrictions. After singing up you will receive your Reloadable Visa Card by courier which can be operated by Slonkit app from your Smartphone. As it offers Physical card so it can be used for online and offline transactions, the card is charge free for 1st year.
Highlights:
- Provides Reloadable Prepaid Visa Card
- Can be used by 10+ Year old teenagers
- Better way to track expenses
- Free for first year.
#9- Freecharge wallet
Freecharge is one of old Indian wallets owned by India’s leading online shopping store Snapdeal. Freecharge started its journey as mobile recharges & bill payments portal ut now its become one of popular mobile wallet and payment gateway.
Unlike others it is not associated with any bank and provide free virtual credit card in partnership with Yes Bank. Freecharge provides MasterCard instead of visa card under Freecharge Go Master Card Service.
Download: Android | IOS | Windows
Highlights:
- Free Virtual Master Card
- Provides Free Virtual Credit Card in Partnership with Yes Bank
- Owned by One of major ecommerce portal of India – Snapdeal.
#10- Oxigen Wallet
It have something which will amaze you, while you can get only one card from other apps but from oxigen wallet we can get unlimited virtual cards. Cards you generate from oxigen wallet are powered by RBL Bank and get disposed after use. In Oxigen wallet you will have to generate your Free Virtual Credit Card using available fund from your oxi wallet, minimum amount to generate virtual card is just Rs.10.
Download: Android | IOS | Windows
Highlights:
- Free Virtual Visa Cards
- Virtual Card Powered By RBL Bank
- Generate unlimited virtual credit cards
#11- Udio Wallet
Udio wallet is another app which provides virtual credit card (VCC) for free. Same as oxigen wallet Udio Wallet VCC is also issued by RBL Bank.
Highlights:
- Free Virtual Visa Credit Card
- Availability to get physical card.
Apps with physical card option:
1) Pockets By ICICI Bank (Charges Rs.115 Approx)
2) Digibank By DBS Bank (Need To Upgrade to DigiSavings)
3) Lime By Axis Bank (Upgrade to Lime Digital Saving Account)
4) Slonkit By DCB Bank (Free For First Year)
5) Udio Wallet (Need to pay Rs.99)
Moreover you can buy below gift cards and can get a Prepaid Card which work for online/offline purchases.
#12- Ticket Compliments Max Gift Card
#13- YouFirst – RBL Gift Card
#14 Axis Bank Gift Card
Final words:
So it was how you can create free virtual credit card for your online transactions. It’s best way to create free virtual credit cards.
This post will also help you if you are looking for:
- How to save my credit/debit card details from scammers
- How to save my card details from getting theft
- Which apps provides VCC (virtual credit cards) in India
- Which virtual credit card works for international transactions in India
- How to generate unlimited credit cards (VCC)
- What is the use of virtual credit card
- How to create prepaid cards
- Indian mobile wallets with free virtual credit card functionality.
That’s all for now, go and create free virtual cards and pay without any fear.
Customer service and support no 7321879443
FreeCharge wallet doesnt have VCC anymore, nor does Lime Wallet exist. PayZapp doesnt accepy AmEx or Diners Club.
Update with these inputs.
Thanks Prateek for your inputs. :’) I’m completely updating this post in next few days as there are a lot of improvements to be done in the post. ;’)
Udio has serious limitation of acceptability. Customer care is lame, they provide a number but they always ask you to send a screenshot for anything and everything. Udio is not worth your time
u sure about digipurse ???? coz i read somewhere that it no longer supports international transactions .