Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • HDFC Bank Virtual Credit Card is Rated as "Excellent!" by 20822 Users

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    HDFC Bank Virtual Credit Card

    HDFC Bank has launched the HDFC Bank virtual credit card through software known as NetSafe. Similar to a prepaid credit card, the virtual credit card is a payment solution that protects the cardholder’s personal details such as their credit card number, PIN as well as other proprietary information. A virtual credit card is one where the physical card details are not used for making a payment. Instead, a virtual card number will be generated for each payment made to avoid duplication or the phishing of information entered when making a payment online.

    Features And Benefits Of HDFC Virtual Credit Card

    There are a number of features and benefits associated with the HDFC Virtual Credit Card, which are listed below:

    • Secure and safe, a virtual credit card ensures that the physical card number is not revealed online.
    • One time use ensures that the virtual credit card can’t be misused by unscrupulous entities.
    • A password and PIN sent to the registered mobile number and email address at the time of making the purchase using the virtual card ensures complete security.
    • The amount to be loaded onto the virtual credit card is preset, keeping the rest of the cardholder’s funds secure.
    • The amount will be refunded to the cardholder’s account if the transaction is not made within a specified period (usually 24 hours).
    • Any balance amount will be refunded to the cardholder’s credit or debit account.
    • The virtual credit card number is auto-generated and expires after the specified time period lapses.

    Eligibility for HDFC Virtual Credit Card

    With the aim of making it possible for all individuals to benefit from a secure way to make payments online, HDFC Bank has the following eligibility criteria for the virtual credit card:

    • The applicant should already have an existing HDFC credit or debit card.
    • The applicant should have the required funds or should have enough credit for the transaction to take place.

    Fees and Charges for HDFC Virtual Credit Card

    With the objective of making online transactions safer and more secure, HDFC Bank does not levy any fee or charge for the NetSafe virtual credit card. It is provided free of cost until further notice.

    FAQs of HDFC Virtual Credit Card

    1. How do I avail of the HDFC Bank NetSafe virtual credit card?

      You can avail of the card by registering for NetSafe through NetBanking. Follow the instructions on screen to activate your NetSafe account and begin using the virtual credit card.

    2. Can I use NetSafe with both Visa and MasterCard credit cards?

      Yes, you can use NetSafe with both Visa as well as MasterCard credit cards.

    3. When will the money from my account be debited- at the time of transaction or when I create the NetSafe card?

      The amount as specified will be debited at the time of creating the NetSafe card. Any unused balance will be refunded to your credit/debit account after the card expires.

    4. Can I use the card to withdraw cash?

      No, it is not possible to use the NetSafe card to withdraw cash as it can only be used to make online payments.

    5. I forgot my password. What do I do?

      If you forget your password, simply reset it through NetBanking after submitting certain information such as the credit card number, CVV and card expiry details.

    HDFC Bank Virtual Credit Card Reviews

    • HDFC Bank Credit Card
      "Good for travelling"
      0.5 4.0/5 "Great!"
      I took HDFC Platinum card through online. For my credit card there is no charges because it for the business. I am not sure about the interest , I used to pay on time, there are lots of offers even if I try to travel in flight there is privilege offers and discount on ticket.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The best feature is that they are providing the jumbo loan, instant loan from this credit card. I am using it from past 5 years the credit card with the HDFC BANK. The credit limit is satisfactory also added on that they are offering with the good offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card for long time, they have charged me annual fee in this card, and i have no idea is there waived off option available in this card and i am happy with my credit limit they have given me in this card and they have given good offers in maximum products.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The service is very good with the HDFC BANK so that i have taken the personal loan with this bank. The loan amount is satisfactory with this loan and also the rate of interest is 12% which is nominal and satisfactory also the duration is for 4 years to pay the loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been applied for HDFC credit card recently through on line, the best part i like in this card is that they have given me good credit limit in this card and there offers part is good, they have given me good offers in maximum products, but one issue is this bank is that i can not convert my Emi option , apart from that there service is good, they have charged me annual fee in this card but from second year 1000 for first year it is free.
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC credit card recently, they have charged me annual fee in this card they have charged me up to 1000 , they have given me waived off option or not i have no idea, and i am happy with my credit limit it is sufficient for me, but one thing was disappointment with me is that i can not convert Emi option , apart from that there service is goof and they give good offers in maximum products.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC credit card recently, they have not charged me annual fee in this card , and i am happy with my credit limit which they have given me in this card and they provide good offers in shopping and they give low interest rate compare to other bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been holding HSBC credit card for a while, there service is very good, and i am happy with my credit limit they have given me in this card and there is no annual fee they have given me in this card and they have not given much offers in this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , they offered me HDFC JET PREVILAGE Credit card . I am holding this card for past 2 year . Benefits were good with this card . I use this credit card for multipurpose . The card is chargeable and they did not gave waive off option here .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I have applied for HDFC credit card recently, the best part in this card is that there service is too good, and even they give good offer in dining and they have charged me annual fee in this card but there is waived off option available in this card, and i am happy with my credit limit they have given me in this card.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Reward point value should be improved"
      0.5 4.0/5 "Great!"
      HDFC is a life time free card, they never charge. I use it only for petrol and diesel, but its not turbo card. They need to improve to redeem the points, value is not upto the mark. Only one time I got the cash back upto 50% on total bill amount of 2000, they asked me to pay Rs.1000 on billing.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , the card is free and there is no joining fee. This is also a Lifetime free card. I am holding this credit card for past 2month . Their reward points system is also good. Overall I am really happy about the card and the application process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , I am happy with the credit limit of this card. I never had any issues with the card and its features. This is just like any other card and i am holding this card for past 6month . I receive my credit card within 2 days .
      Was this review helpful? 0
      , jodhpur
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Very Useful card"
      0.5 3.0/5 "Satisfactory"
      I have been using the HDFC credit card for more than 3 years. I have received the credit limit of RS. 90000 which is okay for me. I spoke with the call centre for general enquiry of credit limit enhancement, they have asked me to submit the documents and the response was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      My credit card was taken with HDFC BANK , i am not happy with the services here the payment option si not good whenever i tried to do payment i ma getting error . I cannot connect to customer service also . I was expecting fuel credit card but they provide me HDFC dinners club .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , i am holding this card for past 2month . I have generate the PIN but because of my mistake it generate wrong PIN . The card is chargeable but they gave waive off option too . The service was good i receive my card on time .
      Was this review helpful? 0
      , thane
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with HDFC BANK , i am holding this card for past 4month . The fees and charges are too high with this card . I use the card for shopping, grocery and for so many general purpose . Benefits were good reward point and cash back offers .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , i have not interacted customer service but in past i have good experience with them . The card is chargeable at the time of getting the card and they offered good credit limit . They provide free airport lounge excess and good reward points .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      I bank with HDFC Bank for the credit card. The credit limit is fine and the main purpose of me having my card is for the groceries. The only drawback is there is no EMI option on the card. I have requested for the same and it is still has not been done.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had been using this card for a while and i am satisfied with the services which they had been providing so far. The credit limit with the card has been good and there has been some other good benefits whcih has been with the card as well. There has been some annual charges with this card as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 07, 2018
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