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

    • 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.

    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.

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

    FAQs on 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 HDFC Credit Card NetBanking after submitting certain information such as the credit card number, CVV and card expiry details.


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