12 Free instant approval virtual credit card VCC In India 2020 (NEW)


12 Free instant approval virtual credit card VCC India in 2020

Hello Dear Reader, Are you looking for a free virtual credit card in india (vcc) which support all Indian online transaction ?

If Yes, Then this article is for you !!!

In this article I have listed 12 virtual credit card or in short called VCC. There are many  Banker and Application company  who will provide instant access VCC or virtual credit card for India user . Which comes in different type I.e VISA and MasterCard.

These card are support aproxmatly all kind of indian online transaction also some banker card can be used in international transaction too.

Reader: Are those VCC card are free and instant accessable ?

Me: Yes, bellow I have shorted some best VCC or virtual credit card or also called prepaid virtual credit card which can be use for free.

Reader: Did u Tested all virtual credit card individualy ?

Me: Yes, I have used about all the card’s which I am listed bellow . Also I will guide you how you can get all these card instantly access individually

But before proceed to all those cards lets know how these cards are work, why we need these card and is this types of online virtual credit card are secure to use ?

What is Virtual Credit Card?

VCC or Virtual Credit Card is a prepaid credit card or you can also call it as a virtual prepaid visa card. These virtual cards are good for online usage, But It does not come with any credit facility like physical credit cards issued by bankers. If you want to use of it, you can load a certain amount of money on it and later use it to make payment online.

So, it is necessary that you should have loaded enough money before making any purchases as you will not be getting credit facilities in VCC.

Having an instant use online credit card is necessary in some cases because most of the Indian debit cards are not accepted everywhere.

Why Virtual Credit Card?

There are a lot of online wallets and bankers are offering a virtual credit card to make their wallets more flexible and usable across multiple merchants. Even the banks are offering disposable one-time prepaid cards to their customers to keep them safe from frauds.

What About Security ?

These free virtual credit card offer more secure then physical Credit cards, cause once you make a payment through this one-time disposable prepaid cards the card will expired after use. To keep you safe from frauds. you can use fraud detection service to detect frauds.

Apps & Banks Providing Virtual Credit Cards in India

So, In the following I have listed best banker and Apps provider who offer instant approval virtual credit card .

Kotak Mahindra- Kotak Netc@rd

Kotak Mahindra bank offers free Kotak net card to their customers and their virtual credit card also works internationally as they don’t support 3D verification.

But, the biggest limitation of Kotak netcard is that due to their limit of only one successful transaction this card can’t be used with PayPal.

SBI Virtual Card 

If you have a State Bank of India account you can log into your NetBanking account to generate free virtual cards starting where you can fill from Rs.100- Rs.50,000 and ganeret a VISA VCC. after one successful transaction or 48 hours since card creation The card will be expired.

The SBI online virtual credit cards can only be used domestically. The virtual card can be used in India, Nepal and Bhutan. It also support only one transaction. after one successful transaction it will expire and for use again you have to create a new VCC .

HDFC Bank NetSafe

NetSafe is a unique online secure payment solution from HDFC Bank. it enables you to generate a unique virtual prepaid visa card number using your physical Visa Debit/Credit or Mastercard Debit/Credit Card. NetSafe is currently FREE for all HDFC Bank Visa and Mastercard Debit and Creditcard holders.

Pockets Wallet by ICICI Bank

Pocket Wallet App is launched by ICICI Bank for both Android and IOS devices. Anybody can signup and make use of Pockets wallet there is no compulsory to you have a ICICI bank customer. It offer free prepaid virtual credit card you can make payment in India. but the limitation is it does not support outside India transaction.

Lime Wallet by Axis Bank

It is a similar service like Pockets wallet by ICICI bank. Axis Bank offers a free virtual credit card powered by MasterCard to their wallet users. And like pocket wallet by ICICI bank, it is not possible to use this card internationally.

Union Bank Digipurse Wallet

Union Bank also offers its wallet service similar to Pockets wallet. The app is more of a virtual bank account which can be loaded from a normal credit/debit card and then the wallet’s card can be used to make payments.

This card support both domestic and international transaction. You need to download their app to start using their VCC.

Oxygen Wallet Prepaid Card

Oxygen wallet approved by RBL and provides by the first non-banking purse. That follows it, users, to create VCC apart from instant money transfer facility. Oxygen wallet launches in January 2016 to enable users to make transactions without exposing card details.

The main part is from oxygen wallet we can generate unlimited virtual cards which powered by RBL Bank and get disposed of after use.

This card support only a domestic transaction.

Entropay Virtual Visa Card

The foreign based Vcc By Entropy is also has a high value. Their service offers free virtual visa cards which are international. Entropay does charge high loading commission of 4.95% but don’t have any other option if you have to use VCC for international payments.

But you know if you are a pay-pal user then this VCC can use to you, cause Paypal doesn’t allow debit card of most of the banks except ICCI Bank, AXIS Bank, HDFC Bank. The easiest solution to this is Entropay.

With Entropay, you can create unlimited prepaid credit card.

FreeCharge Go MasterCard

Yes! Bank and MasterCard powers Freecharge Go Mastercard. And you can use this free prepaid card across any online merchant in India. FreeCharge Go Mastercard supports 3D verification.

NB: FreeCharge Go card is unavailable for a few months already. I do not know when or if ever it will come back.

Skit Prepaid Wallets– DCB Bank

Skit App is basically a money management service. It offers a physical card instead of a virtual card. Skit offers Free VISA prepaid credit card.

The app offers mobile recharges, tracking of spends and the creation of budgets for money-saving.

Udio Wallet

Udio Prepaid virtual card VCC is powered by RBL Bank and can be used to avail all offers for RBL. The best thing about Udio is that you will find some cashback or discount offers running all times on your food purchases!

RBL: Ratnakar Bank limited


Another great service to get a prepaid MasterCard. Not only MasterCard, but you can also send and receive payments anywhere in the world.

Like Entropay, Payoneer also charges a fee to the users.

But Payoneer is no more offering Prepaid MasterCard in India due to local restrictions.

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