Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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
      "Should be transparent"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC rewards card its a life time free credit card, more than three years I am using it, they gave me the enhancement of the limit. I have redeemed the points into voucher but I didn't get that benefits, I received the message stating I will get voucher within few days, they should be transparent.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple with the credit card that i have been holding with the the HDFC BANK, i got the card within 10-15days, the credit limit with this card is good and satisfactory with this card and i am not aware of the card offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      I am not happy with HDFC BANK Credit card . I am holding this card for past 1.5 year . I am not satisfied with credit limit of HDFC bank credit card , i said to customer support to increase the limit they said they cannot do rite now . I use this card for multipurpose .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      They were very quick to send me the card and the credit limit is good. It is a life time free card. HDFC BANK has offered me a credit card and the banking process is good.The best about the card is the movie tickets, reward point . The overall customer services are good. Rate of interest is very high and credit limit is 92000 .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with the service of HDFC bank as i said it is very safe and secure to use, and even their mobile application is user friendly ,and even their credit card is also good, i hold HDFC corporate credit card,it is life time free credit card, and even the credit limit and offers are good with this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      This is life time free card . customer service provided is very good and their response is good and I am happy with HDFC bank.I am satisfied with credit limit and in this card rewards point offer available. .I got HDFC bank credit card approx four years .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with credit limit and in this card cash back offer available this is life time free card . customer service provided is very good and their response is good and I am happy with HDFC bank.I got HDFC bank credit card approx four years .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with HDFC bank credit card this is life time free card and rewards point last two year I have this card . and I am satisfied with credit limit in this card. and customer service provided is good response is properly. I am happy with HDFC bank.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My application was taken with HDFC BANK . I am holding this card for past 6month . They charge any annual fee at the time of getting this card . Overall I never had any issues with the card and their services.They provided fair credit limit with this card . The features of HDFC are very good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good for all transactions"
      0.5 5.0/5 "Blown Away!"
      One card from HDFC is money back, they have good reward points redemption option but I didn't try it. They are best in customer support, the interest rate is same as other cards, its a life time free credit card. I got the credit card limit of Rs. 1 lakh.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have direclty applied with HDFC Bank for the HDFC Bank Credit Card.The credit limit was good and i got credit limit upto 3 lakhs .I have not faced any issues till now .There was cashback offers and reward points as well ,The Overall Service is Good and Satisfactory.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      Compare to other bank credit card which i have been holding i observe that so far my experience with this HDFC bank for credit card was good,They have not charged me annual fee in this card,as it is life time free credit card,and they time to time do credit enhancement to my card.Even their offers was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Best shopping card"
      0.5 4.0/5 "Great!"
      I am using HDFC BANK TITANIUM CREDIT CARD more than 4 years.This is a life time free card no annual charges no joining fees. Credit limit is sufficient they given Rs. 95000 . This is the best money back card what are the purchase i am going to do i am getting cash back. Customer service and responsiveness is really superb.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is good in the credit limit and the features as well. The customer services are good and they are responsive. I am not very sure on the annual charges. The credit limit is also fine. I hold a credit card and the statements are sent to me on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good money back card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC FREEDOM MONEY BACK CARD more than 9 months. This is a life time free card no annual charges no joining fees. Credit limit is sufficient they given Rs. 64000 . This is the best money back card what are the purchase i am going to do i am getting cash back. Customer service and responsiveness is really good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC is best interms of Reward points. I am using their card for 3.5years. Its a life time free credit card and I got more credit limit. The service is good. I am getting 1 rupee for 5points and redemption is easy. So far, I have redeemed for 2 times and got cash back.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for the last three years and the services which they had been providing so far has been good. It is a life time free card and they had provided me with a good credit limit as well. They had been providing the right offers with no extra charges.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The credit card with the HDFC BANK is very good as they provide with the satisfactory credit limit along with that the offers also sufficient with this credit card. The customer service is very good also the service is good with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      HDFC bank credit card i felt was good,like they have not charged me annual fee,as was life time free credit card,so i have been applied for the credit card,and they have given me good credit limit,and even their offers which they have given me was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with the HDFC BANK the credit limit with this card is 30K which is lesser and not satisfactory with this credit card. The card has no offers available with this card. It is user friendly card to use added on that it is hassle free to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 25, 2019
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