Home Online Services 10 Ways to Get Free Virtual Credit Card (VCC) in India

10 Ways to Get Free Virtual Credit Card (VCC) in India

VCC or Virtual Credit Card is a prepaid credit card or you can also call it as a debit card because there’s no credit facility on it actually. These virtual cards are good for online usage as even if the card information is compromised, the hacker cannot use them beyond the loaded balance and the preset daily usage limits.

These days a lot of online wallets are offering a virtual credit card to make their wallets more flexible and usable across multiple merchants. Even the banks are offering disposable one-time prepaid cards to their customers to keep them safe from frauds. Here’s a look at some of these services which offer a free virtual card or in some cases even a physical card to their users.

Apps & Services Providing Virtual Cards

The following apps and services are open for just anyone to use. The most one would need is a dedicated account on the specific service which can be instantly opened by providing a few details.

1. Pockets Wallet by ICICI Bank

Pockets is a convenient wallet service backed by the trust of ICICI bank. Anybody can signup and make use of Pockets wallet and being an ICICI Bank customer is no compulsion. A free virtual visa credit card is offered with the wallet which can be used to make payments across all online merchants in India. Other than that, Pockets also offers an option to get a physical card link to the wallet, however, the yearly fees applies for that. The advantage of a physical card is that it can then be used at offline retailers as well.

Pockets also brings a range of shopping offers from time to time, some of them which are exclusive to users of the Pockets card.

2. Udio Wallet

Udio is a new age wallet, similar to ICICI pockets. The wallet offers a free virtual visa card which can be used on nearly all online stores in India. Udio also provides a physical card for a fees (which varies from time to time). Having a physical card allows you to shop at offline merchants as well. Both the virtual card as well as the physical card are issued by Udio in partnership with RBL Bank. Udio continues to run numerous promotions which can be availed by customers to earn cashback or special discounts.

Virtual card of Udio Wallet
Udio Virtual Card

Money can be loaded into Udio wallet via a credit/debit card or Netbanking of your bank. You can also make use of an Udio cashpoint to load your wallet using cash. However, the cash points are rare and not available everywhere.

Udio supports all standard features of a digital wallet, such as: sending or receiving money from other udio users & withdrawing money to a bank account.

3. Slonkit

Slonkit does not offer a virtual card, instead a physical card, I’m still keeping it here because it is a nice offering. Slonkit is targeted at parents having young children. It offers a free prepaid Visa Credit Card which is re-loadable by using the Slonkit app. The idea is to teach money management to youngsters. The app offers mobile recharges, tracking of spends (card transactions) and the creation of budgets for money-saving. The app also bundles a range of offers from various merchants.

slonkit card
Slonkit physical card

Although targeted at children and parents, the service can be used by anyone (18+ users are supported too) to get a free visa debit card which is re-loadable as per wish and usable anywhere across India, online and offline. The cards can be instantly blocked for when some theft happens. However, it is not possible to withdraw money from an ATM using Slonkit Visa cards.

Get Slonkit

4. Lime Wallet by Axis Bank

lime wallet logoLime wallet by Axis Bank is a wallet service similar to Pockets wallet by ICICI Bank. A free virtual credit card (called Shopping Card) powered by MasterCard is offered to the users of wallet service. The card can be used at any online merchant in India with no international usage allowed.

Although not available yet, Axis Bank is working on offering a physical card connected to the wallet which will make it possible to shop at offline stores.

5. Union Bank Digipurse Wallet

Union Bank also offers its wallet service similar to Pockets wallet. The app is more of a virtual bank account which can be loaded from a normal credit/debit card and then the wallet’s card can be used to make payments anywhere, domestic or international. Yes, international. Know more about Digipurse Wallet here.

6. Oxigen Wallet Prepaid Cardoxigen wallet logo circle

Oxigen Wallet is a popular wallet app which is known for running exclusive cashback offers from time to time. The oxigen wallet offers a free virtual visa card which can be used to make purchases on any shopping portal within India. Know more about Oxigen Wallet here.

7. Entropay Virtual Visa Card

Not based in India, but Entropay has been around since long. The service offers free virtual visa cards which are international. Although they do carry a high loading commission, but Entropay is probably the only virtual card service which is open to anybody and is usable internationally. You can generate any number of cards and can even transfer funds from one card to the other.entropay card virtual

Entropay does not support the 3D verification (VBV/MSC) and hence majority of Indian merchants will not accept it. Know more about Entropy here.

7. FreeCharge Go MasterCard (Temporarily Unavailable)

Update: FreeCharge Go card is unavailable for a few months already. We do not know when or if ever it will come back.

FreeCharge is an online recharge and bill payment facility which is now owned by Snapdeal. Recently freecharge expanded the usability of its wallet by offering users a free virtual card (called Freecharge Go card) powered by Yes Bank and MasterCard which can be used across any online merchant; eBay, Flipkart, Snapdeal, Amazon or anywhere you want to. 3D code authentication is done during the card usage by sending an SMS to the phone number registered with FreeCharge.freecharge go mastercard

To get the card,

  1. Signin to FreeCharge account or create a new account.
  2. Go to Account section and choose FreeCharge Go MasterCard.
  3. Enter a 4 digit PIN and your card is ready.
  4. Load your wallet and start using!

Virtual Cards Provided By Banks

Besides the services listed above, there are many banks which offer virtual card services to their customers. Most of these cards are use-and-throw types and automatically expire after 1 transaction or 24-48 hours.

1. Kotak Mahindra Bank Netcard

kotak netcard

Kotak Mahindra Bank customers can avail the free Kotak NetCard (or Netc@rd). The service is powered by Enstage and the provided VCCs only work internationally as they do not support secondary verification in the form of 3D secure code. If you want to shop or pay for something to international merchants who do not need 3D authentication, Kotak NetCard is a nice option. It cannot be used on PayPal due to its limit of only 1 successful transaction.

2. SBI Virtual Card

State Bank of India customers can log into their NetBanking account to generate free virtual cards starting from ₹100 up till ₹50,000. The card expires after 1 successful transaction and/or 48 hours since card creation. SBI virtual cards can only be used domestically, Transactions are approved by sending a text to your registered mobile number.

3. HDFC Bank NetSafe

HDFC Bank also offers virtual credit cards to its customers through its NetSafe interface. The lifetime of the card is 48 hours of 1st transaction (whichever is earlier).

About the author

Narender Singh

Narender is a B-school graduate who loves technology. He generally, avoids news and spends his time writing guides and tutorials which add value to the web. Shoot any of your questions to him at narender@techmesto.com


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    • Yes you can, but it will differ from website to website. For example, some websites first deduct a small card verification charge (~$1, refundable) and then make the actual charge. Since NetSafe is a 1-time use card, it will stop working after the verification charge is made.
      Similarly, AliExpress these days asks you to verify your card by providing a photo of the card and a copy of card statement. This is whenever you make a bigger transaction (higher of $5). In this case, again, the NetSafe will not work for you.

  • Thanks for sharing information, You should also include neteller card. Currently I am using Neteller Net+ virtual credit card, it works in almost all sites.

  • Udio has serious acceptability issues. For example you cannot recharge your phone or DTH using Udio VCC on Payzapp.

    • There is none that I am aware of. If you find one, please do let me know as well 🙂 I’ve ended up ordering products from Amazon India for all the international cards I had.

  • Hey man, sorry to bother you but I genuinely don’t have time to consuct my own research. I need a card that works internationally and the verification should also be simple, I plan to build my business on that card, so I random technical issues are big no. Could you please tell me if entropay is the best option, or are there other alternatives? Digibank gives an international card but it works only for select cities in India(the verification agent comes for biometric verification)

  • hello mate,

    Do u no any apps which enable me to do free wallet to bank transfer?
    apart from paytm, fc, and mobikwik

    • You can check out Zeta Wallet, PhonePe, DigiBank, Pockets & PayZapp. I believe that all of these offer free transfers to banks. However, please do confirm at your own end before initiating a transaction.

    • The card from my account continues to work. Some do mention that it doesn’t work. And these are the ones who do not have a verified PayPal account. So that can be one thing to take into account. You can try and see if it works for you 🙂

  • Hi Narender,

    Need help..
    I want a virtual card like FreeCharge used to offer… FreeCharge has stopped the service for over two months now… All other available wallets are either complicated, do not work as good as FreeCharge.
    Any idea how soon FreeCharge virtual card will be up and running

    • FreeCharge, umm.. They have no answers to when the card will be enabled again. And I wouldn’t guess without any information available.
      The wallets are just slightly more complicated. I don’t think they will be too hard to get used to. Maybe give Pockets or Zeta wallet another try?

  • I am using paydeck for paying my rent & my childs tuition fees on credit card. They are first & only smooth Indian credit card payment mechanism I have encountered in last couple of days. I came to know about them in quora. loved the way they deal with customers & payments are sent in 2 days to my landlord bank account without his involvement. I liked it.
    Only thing is they are charging 2.5% per transaction. I crossed checked & found that its near by the cash advance fees which banks charge on credit card cash advance, anything between 2.5% to 3.5%. PS: I am just loving it so my comment. nothing to promote them.

      • mr Narendra,
        I have same issue…and i have a quest that cant i use Entrophy vcc for purchasing app from apple store???

        • You cannot. iTunes store will not accept the entropay VCC with an Indian billing address. It requires a card with indian billing address.

          • mr Narendra
            could you please tell me the way to purchase apps from apple store. I only have a bebit card of SBI which is not working.

            • Is it an international card? You can try turning on International Usage from netbanking and then using your card on iTunes.

  • Can I use Free charge go mastercard for purchasing products on international websites? Can I attach it to paypal for the same purpose?

  • debit card must be enabled for global ecomm,offline transaction . ask your banker. some government banks also has separate application form for this type of card . my classsic visa debit card issused by my bank was denied by paypal. then accidently i read a blog by an india based blogger who told that my bank issues a specific debit card for this. then I applied. got in 2 days. just rs 100/year . then tried in paypal . denied again like the classic debit card . but entropay accepted it. i then funded paypal indirectly. point is ask your banker specifically for a card that allows cross currency ecommerce transaction. ie a EMV debit c ard.

  • (saket and narendar) I used my visa gold debit card (not credit card) and entropay virtual credit card to fund paypal. i am sure this will work for all as well. this global debit card is not from icici or big bank or govt bank. this card is just rs 100 per year . this info that this card works for international payments was given by a blogger . hence I bought the card this week. entropay VCC number is free. we have to fund above usd 5 plus 5pct plus 2 pct

    • Hi Vinodh, I am aware of the fact that international cards from most of our banks will work on international portals. But they are limited since most of the gateways don’t have VBV/MSC implementation.
      This article discusses the cards which work on PayPal & Google Wallet without needing any workarounds. The issue with Entropay is first of all the fees. Then you cannot verify your card if the merchant asks for verification by submitting card statement (with billing address) and a picture of card.

  • hi i need a virtual card with billing address – this is subject now let me detail it
    1st i need a virtual card visa or master card only
    2nd i need billing address it is asked when i make a purchase from microsoft
    A billing address is the address connected to a specific credit or debit card
    and i can add funds to the card only through online banking “SBI”
    if u can suggest me a card or website that would be very helpfull

  • Hi do you know for any virtual card that is accepted by BING ads? I’m looking for this kind solution. appreciate your help.


  • Entropay is not working with Apple store anymore. It says we need an Indian card. Really sad that Digipurse did not live long. For students like me it is impossible to apply for a credit card or apply for accounts at multiple banks.

    • Actually, these cards are issued without any name or address. You can however input any name and it will be the one printed on the virtual cards.
      I’ll try finding Skype time with you tomorrow.

  • Hii narender

    I am looking virtual credit card for bingads i have already tried with so many banks vcc no one is working .
    I need vcc like we can use any name or billing address and indian currency so which bank provide me these thing in vcc
    Please help me out

  • Hey Narender, Do you know for sure that the NetC@rd by Kotak would work with International Txn (AppStore/PlayStoredev accounts too? ) since there’s no vbv? What would happen if I am to be refunded or stuff?

    • They will work internationally, but not for your kind of usage. Why? Because the NetC@rd can only be used for 1 transaction. App Store, as well as the Play Store, would deduct an initial verification charge to approve the card before deducting the actual amount for the purchase. So, in such a case only the first transaction (verification) will complete while the second will fail.

  • Hello Narender,

    How can I verify my PayPal Accounts using my Canara Bank Rupee Debit Card? It is not acceptable. Can U suggest something else?
    Awaiting an early reply please. Thanks & regards,

  • Hi Narender,
    I have accounts with google cloud platform and amazon aws services.I am using Indian overseas visa debit card , it works fine but sometimes it’s not working.So , I need a backup virtual card so please tell me some good recommendation. do South Indian Bank card supports international?

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