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
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.
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.
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.
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I am holding the Regalia credit card from HDFC and i am not much using the credit card. I'm much satisfied with the HDFC card limit. I need to pay some annual fee of Rs. 1500 and it won't get waived off even though if i use certain limit. I hold this card for 2 months and i received the first month bill which is not that much clear to understand. There are various option to do the payment.
I am using HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 4 years .I have got a good credit limit and got all the relevant information about the card details. It is an annual fee chargeable 500 rupees there is an option for 30 thousands to be waiver off. There is an option for EMI and charges are high.
I am holding HDFC bank platinum credit card for more than 7 months which was processed through a bank directly. It is an annual fee chargeable for 1st year and from 2nd year onwards free card. The credit limit is sufficient and EMI option was applicable. I use for shopping, movie purposes based on the usage I get points but I am unable to redeem it and in this card there is no much offers.
There is no issues with HDFC money back credit card its helps me to earn more reward points based on the transactions. As of now almost I earned 4500 rewards points, through netbanking I have option to convert those points into cash back. First year there is a yearly fee of Rs.500 from second year onwards its has life time free benefits.
I am using HDFC regalia first credit card for last two years, its a free credit card. They are providing airport lounge facility and some time I used to get travel discounts as well. I would recommend this card because their customer support is also prompt interms of resolving the queries.
I was applied for a credit card with HDFC bank on few months before through an online. It is a life time free credit card. While applying through a third party they told no need to provide company id HR letter be okay but from bank company id was must to submit. So that it was not process for further. I am not aware about the credit limit.
I have make my trip credit card with HDFC for past 2.5 years, I used to get more travel discounts. Recently I booked flight ticket for pune at the time I got 15% of discount from the total amount of Rs. 2800 and I am earning points based on the transactions. I feel the card feature is not upto the mark, its good only for the travel bookings.
I do have HDFC credit card which has the limit of Rs.90,000, more over their service is good I never seen any yearly charges in my three years of experience. This card is accepted every where to book railway ticket or flight ticket which has cash back offers since I Have jet privilege card.
I am using the regalia credit card from HDFC as of now i have not received any benefits and i am doing a limited usage on my credit card. I am keep on receiving a messages and mails regarding the offers. They have given me a credit limit of Rs. 1.11 lakhs. From last 4 years, i am holding the card.
More than 6 years, i am having a credit card from HDFC. I have a money back card. There is a airport launch facility and cashback on online purchase. I'm getting a movie tickets every month. They have sent me a messages to increase the credit limit but i have rejected the same.
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Reviewed on Sep 14, 2019
I am using HDFC card around five years, they gave me good limit based on the transactions. Generally I am not looking for the benefits because I always looks for good limit being a business person, generally they are providing some fuel surcharges and movie ticket offers.
I get a cashback offers on my purchase and after that rewards points can be converted into amount. Whenever I'm calling to the HDFC customer care, they are providing a correct reason and providing a good service. I'm using the HDFC credit card for last 4.5 years. In shopping mall, discount will be available for shopping and groceries. They will upgrading the card and amount enhancement also getting increased.
I was waiting to submit my papers for the credit card documentation but from Hdfc bank end, no body turned up to collect my papers. Even there is no one response received from their executives, I would say the follow up is missing for the further procedure.
I am using HDFC Bank credit card from last 4 years, credit limit of the card is very low,I had spoke with the customer care of HDFC bank but they have not increased, cash back offers are on this credit card are very good and EMI option are not available.
I am using HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a good credit limit and got all the relevant information about the card process.I have not checked cash back offers and reward points .I have not used this card much so far.
Past 4 years I have been holding HDFC card, earlier I had rewards titanium credit card very recently I upgraded to Regalia card it has yearly fee. They are providing airport lounge facility with travel discounts at make my trip and goibgo. The customer care executives are very helpful but rate of interest is higher for the late fee.
I am using HDFC Bank credit card for the past 2 years which was processed through bank directly. It is a life time free credit card and the credit limit is given for low of 50 thousands only. I am using this card for shopping and many other purposes.
I am using HDFC Bank money back credit card where they have provided with low credit limit of 50 thousands only, its an life time free credit card,there are good EMI option available and charges are nominal. I am using this credit card from past 2 years.
I do have HDFC Jet Privilege card which has the limit of Rs. 2.5 lakhs, they used to give me JP miles based on the transaction either I am on traveling or pleasure trip. Now I am planning to change this card because they don't have anymore in the market.
In HDFC, i am having a credit card which is Regalia and this is my first credit card. I am getting a priority pass on airport and i won't use this card much. There is no annual fee charged on this card and they are not sending any offer related messages for this card.