HDFC Bank Virtual Credit Card

With the NetSafe technology, you create a virtual credit card (NetSafe Credit Card) from your HDFC Bank Visa or Mastercard Credit Card Number. Some of the features of the card are as follows-

Suggested Read: Best Reward Credit Cards

The NetSafe Card is an online single transaction card and hence cannot be used more than once. The below-given table contains the number of NetSafe Cards you can create and the maximum limit you can set.

The NetSafe Card is created online instantly and in real-time for any amount decided by you and is valid for a maximum period of 48 hours.

With the motive of making the facility accessible and convenient to all, HDFC Bank has set the following criteria-

1. You should have an existing HDFC Credit Card.
2. You should have sufficient credit for the online transaction to take place.

The bank does not levy any charges for the facility of virtual credit card. The NetSafe Credit Card is currently being provided to you free of charge. Also the card can only be used for making online payment at sites accepting Visa or Mastercard range of cards.

You can easily create the NetSafe Card by following the below listed steps-

Step 1- Go to the official website of HDFC Bank.

Step 2- Log into NetSafe using your Login ID and Password.

Step 3- Choose your preferred account from which you wish to draw funds for creating NetSafe Card.

Step 4- Now click ‘Ok’ to generate the NetSafe Card.

You also have the option to generate the card by downloading a plug-in which will reside on your computer. When you click on the plug-in, it will directly take you to the page for generating the NetSafe Card.

When considering to apply for a virtual credit card, it is to be kept in mind that such a card is valid for a limited period of time and can only be used online. Hence before applying for one, understand the major differences between a virtual credit card and a physical credit card.

Following is the comparison of different virtual credit cards provided by varied banks in India. You can compare the different features as well as the fee levied and choose what best suits your requirements.

Do I have to register for using NetSafe?
Yes, you have to register using your existing HDFC Credit Card for creating your NetSafe Card.

Can I use my NetSafe Card at all websites?
You can only use your NetSafe Card at websites accepting Visa and Mastercard cards as payment options.

Can I withdraw cash using my NetSafe Card?
No, the NetSafe card can only be used for online transactions and hence cannot be used for cash withdrawal.

Which HDFC virtual credit cards are available?
HDFC Bank offers virtual versions of its existing credit cards that can be accessed through the HDFC mobile banking app or net banking. These cards are instantly generated and can be used for online and UPI transactions.

How do I apply for an HDFC virtual Credit Card?
You can apply through HDFC net banking or mobile banking by selecting your eligible credit card and generating a virtual version. The card details are instantly available on the app for use.

Do I need an existing HDFC account to apply?
Yes, you must be an existing HDFC Bank customer with an approved credit card to generate its virtual version. Non-HDFC customers cannot directly apply for a virtual card.

Can I set a custom limit on HDFC virtual card?
Yes, you can set a transaction limit or modify spending limits on your virtual card through the HDFC Bank app, ensuring better control and security.

Do HDFC virtual credit cards offer reward points?
Yes, you earn the same reward points on HDFC virtual credit cards as you do on the physical card, based on the card’s reward program.

Do I earn cashback on HDFC virtual credit cards?
If your underlying physical card offers cashback benefits, the same will apply to the virtual card transactions as well. You can also apply for cashback credit cards to avail higher cashback on your spends.

Do HDFC virtual credit cards offer airport lounge access?
The virtual card itself does not provide lounge access, as lounges require a physical card swipe. However, lounge benefits of your underlying card remain valid. You can look for physical credit cards with airport lounge access to avail such benefits.

Is HDFC virtual credit card accepted at airport lounges?
No, airport lounges require the physical credit card for entry and swipe. A virtual card cannot be used directly for lounge access.

What should I do if my HDFC virtual credit card is not working?
If your virtual card is not working, check if online/card controls are enabled in the HDFC app. If the issue persists, contact HDFC Bank customer care for assistance.