Credit portal




What is a Virtual Credit Card(VCC) and How to Get it.

what is a virtual credit card

Now a days Internet and online shopping become an integral part of everyone’s life, but everyone is not comfortable with online shopping due to fear of online fraud especially Indians.

Virtual credit card(vcc)

Online transactions and payments are very important for a freelancer or blogger as their life depends on them.Here are solutions for safe online shopping,you can use Virtual Credit Card instead of traditional credit card.Virtual credit card(VCC) can be generated for free or bought for few bucks.

What are Virtual Credit Card(VCC)?

A Virtual Credit Card or VCC is a disposable credit card from which shopping can be done  only once.It expire within one or two months. It does not have any plastic existence and the expiry date and the CVV number are visible online.

Key benefits of  Virtual Credit Card.

By using VCC ,we can shop without revealing our original Credit card number.Virtual credit card can be used only

once with limited amount.It ensures a completely safe and secure online shopping experience.

How to get or generate Virtual Credit Card from Indian bank?

Virtual credit card can be generated for free by banks which provide VCC or can be bought by spending some bucks.

Indian Banks which provide VCC.

Currently only HDFC,Kotak and ICICI banks offer Vcc.

Procedure to get Vcc from HDFC NetSafe

Procedure to get VCC from Kotak

  • Step 1 :Logon on to Kotak Net Banking, select “netc@rd” tab and click on “Generate Card”. Select the account and enter the amount (in rupees) to generate the card.


  • Download and install the “Kotak netc@rd – QuickPay” application on your computer. Login on the “QuickPay” application screen and enter the amount (in Rupees) to generate the card. “QuickPay” application enables creation of Kotak netc@rd without logging on to Net Banking.

Category: Credit

Similar articles: