List of Free Virtual Debit Card for Payment in India and Internationally

Looking for some good virtual debit card India can offer for domestic and international usage? Yes, you can get it from Indian Banks to make payment within India and abroad. I will give you details of those banks and other services that provide a Virtual Debit Card. Nowadays we need to use Virtual Card for payments because of the security issues. Most people are not interested to share their Personal Debit Card for payment. So in this case we use Virtual Card. Virtual Prepaid card now becomes more popular and is provided by most of the Banks now.

(Also see: SBI Launched New Age Banking Mobile App Called YONO)

What is Virtual Debit Card?

Virtual Debit Card are those which are almost the same as the normal debit card, but the card does not physically exist. The card details will be available digitally withing the mobile app or the website of the provider. It can be a master card or a visa card that you can use those cards for all the online transactions like the one used in the normal cards. Since it is a virtual visa card, you cannot do any ATM transactions.

Why should use Virtual Debit Card?

Since the internet is exposed to the public and there are so many hacking things happens, even if the normal cards are given with maximum security, There are chances of getting your card details being stolen which will result in money loss. Here comes the need of Virtual Card. you need to load money whenever needed, or you can keep little money in the card, so even if the card details are stolen, we will not have to suffer a lot.

How much money i can store?

The most card comes with some limits, you can store up to Rs.20,000/- in your account. Now Aadhaar based E-KYC has been added by most of the provides, which will increase your limit to Rs. 1 lakh

How can i add money to it?

Most virtual card act as a prepaid wallet and you can load money to it via direct debit card transaction, net banking, some wallet will provide NEFT and IMPS too

What about the security?

The virtual card also having all the security like the normal card, you can make payment only after OTP based authentication. Verified by Visa, Mastercard and Rupay are there for all cards.

(Also see: Updated Charges For IMPS Transactions in SBI)

List of Virtual Debit Cards

1. Kotak 811

Kotak 811 will be the most recommended one, Its not only a virtual debit card, its a genuine bank account. You can create it via mobile app in 5 minutes time, only need is your Aaadhaar Number and Pan Number. You will get a Virtual Debit Card Instantly. No need to go to the bank too. You can read the full details regarding the account creation in my previous article. You can use this card for International Transaction too

Download for Android or IOS

2. ICICI Pockets

This is a prepaid wallet from ICICI bank. Anyone can create an account using the mobile application, you don’t need to have an ICICI bank account for this. You will get a prepaid card with the wallet and also you can create an Internet Banking account too. You can use this card for all online payments in India.

Download for Android or IOS

3. SBI Buddy

SBI Buddy is also a prepaid wallet or simply a SBI virtual card from State Bank of India, you can load money to it via debit card and can be used for all online payment within India.

Download for Android or IOS

(Also see: UMANG – All you need to know about India’s All in One Digital App)

4. HDFC Payzapp

This is also a prepaid wallet from HDFC bank and you can add any bank card into it to load money to it. You can use it for any online transaction in India. Unlike other cards, HDFC Payzapp card can be used without OTP authentication, you need to put your pin other than OTP at the time of the transaction

Download for Android or IOS

5. Digibank by DBS

Digibank also provides a prepaid wallet using the mobile app, you will be getting a virtual account number and IFSC code also with this, so you can load money to it via NEFT or IMPS also. You can use it for payment in India.

Download for Android or IOS

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10 thoughts on “List of Free Virtual Debit Card for Payment in India and Internationally”

    • Hi,

      Its bank depended and vary on time based on the currency exchange rate. It would be better to contact the bank before making the transaction.

      Reply
  1. Nice information buddy.. I just want to know that whether Paytm is also considered as the virtual debit card? or its simply a mobile wallet?

    Reply
  2. Can you name few wallets Which offers virtual debit card and can be used up-to 1 Lackh or above a month and money can be loaded with credit card ?

    Reply

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