Get Free Virtual Debit Card In India [2021] Visa, MasterCard & Rupay

Everyone has used a debit card. But what would you do if you don't have your card with you and you need to make an urgent transaction? If you are in such a situation then don't worry because this problem can be solved by the used of Virtual Debit cards. In this post, I have provided you all the details you need about a virtual debit card. Also, I'll be listing out top 5 virtual debit cards providers and how you can get a virtual debit card for yourself.

Free Virtual Debit Card In India

What is a Virtual Debit Card?

Virtual Debit Card is the same as your physical Debit card except that the Virtual Debit Card doesn't exist physically. You can use your virtual debit card in the same way as you use your physical Debit Card. A Virtual Debit card is provided by many banks and wallets in India and it is completely safe to use it. In fact, Virtual Debit Card is safer than your physical Debit cards. Just like your physical Debit card, your Virtual Debit cards will also have a card number and a CVV generated randomly by a software. These card numbers are used to carry out the cashless payments.

Now that we know what a virtual debit card means, you might be wondering about why to use a virtual debit card while you actually have a physical one. To answer that let's check out the benefits of Virtual Debit Card.

Advantages of using a virtual debit card in India:

Advantages of using a virtual debit card in India

* Virtual debit cards are secure: 

When we are talking about debit cards, the first thing that comes to our mind is security. Virtual debit cards are completely secure as no one steal your virtual debit card and also it is not possible to peep in and check out the card number and pin.

* Virtual debit cards are mostly free: 

We all know that we have to pay a maintenance fee for the physical Debit card. While there is no such condition for the virtual debit cards. Most of the companies provide you virtual debit card for free or at a comparatively low cost.

* No need to go to the bank:

In order to get your virtual cards, you don't have to go to the bank and wait in those long queues to get your work done. Virtual debit cards can be ordered online and your card will be ready to use in just a few hours.

* Convenience:

You can use your virtual cards for all online transactions and also it will be accepted in all the places where a normal physical card is acceptable.

Now if you are making a plan about getting a virtual card for yourself. The question that arises is How can I get a virtual card. For that here is the list of top 5 virtual debit card providers

Top 5 Virtual Debit Card providers and How you can get your Virtual Debit Card

1. Oxigen Wallet

Oxigen wallet is a mobile wallet. It is approved by RBI in 2013. It can be used for instant money transfers to and from any bank.

How to get a virtual debit card from Oxigen wallet

  1. Download the Oxigen wallet app on your mobile.
  2. From the home screen select "Prepaid Visa" and register with the RBL bank.
  3. Now Click on "Add New" and then enter the card number you want to create.
  4. Select a 4 digit pin to secure your card.
  5. Your card is now ready to use. Oxigen wallet offers a Visa card. So this virtual card can be used in all the places where a Visa card is accepted.

2. FreeCharge

FreeCharge offers a variety of financial services including savings, investment, insurance, lendings, and payments. FreeCharge uses UPI service to handle the transactions. FreeCharge also offers a Virtual Debit Card.

How to get a virtual debit card from FreeCharge?

To create your FreeCharge virtual MasterCard card

  1. Open a web browser and log in to your FreeCharge account
  2. Click on the account
  3. Look out for FreeCharge Go MasterCard and click on it
  4. On the next step, click on "Get your card"
  5. To secure your card set a 4 digit MPIN. This pin will be used for all your transaction so you must not forget this pin at any cost.
  6. Once you have created your pin, your virtual card is ready to use. You can access your card using this MPIN

Alert!! Never share your card information with anyone. You can use these card details to make transactions. After entering all the card details, you will receive an OTP on FreeCharge registered mobile number. To make a successful transaction, enter this pin and wooo! Your transaction is complete.

3. SBI Virtual Card

SBI is the most trusted network of the bank in India. SBI also offers virtual debit card but only for its customer who are using internet banking facility. It is a completely free process.

How to activate the SBI virtual card?

  1. Login to your SBI Internet Banking account and click on e-card option
  2. Select your card limits and accept the terms and conditions.
  3. Click on generate and then your card is ready for use.
SBI also offers a Visa virtual card.

4. ICICI Pocket Wallet App

ICICI offers a wallet powered by Visa to any bank customer. It can be used for paying bills, recharges, shopping and many more things and you can get it for free.

How to get ICICI Virtual card?

  1. Login to your ICICI internet Banking account and click on e-card option
  2. Select your card limits and accept the terms and conditions.
  3. Enter your card details.
  4. Click on generate and then your card is ready for use.

5. Entropay Virtual Card

Entropay gives you a prepaid Entropay Visa card which can be used for all online transactions. It also offers international Transactions. When you register for Entropay, you will get an Entropay card which can be used for all transactions.

Virtual debit cards always add additional security to your bank accounts as you don't have to reveal any of your account details to anyone.

Have you ever used Virtual Debit Cards? How was your experience with it?
Share your thoughts in the comments.

Also read: how to link aadhar card with mobile number online

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