Recently, a lot of online wallets 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. Here’s a look at some of these services which offer a free virtual card or in some cases even a physical card to their users. As days keep on passing by, we keep on being updated on new ways on how to get free virtual credit cards / debit cards. Below are some of the App and services that provide free virtual credit card. You can check them out.
Various Ways to get Free virtual Credit cards
Udio is a new age wallet, similar to ICICI pockets. The wallet offers a free virtual visa card which can be used on nearly all online stores in India. Udio also provides a physical card for a fees (which varies from time to time). Having a physical card allows you to shop at offline merchants as well. Both the virtual card as well as the physical card are issued by Udio in partnership with RBL Bank. Udio continues to run numerous promotions which can be availed by customers to earn special discounts or cashback.
Slonkit does not offer a virtual card, instead it offers a physical card, I’m still keeping it here because it is a nice offering. Slonkit is targeted at parents having young children. It offers a free prepaid Visa Credit Card which is re-loadable by using the Slonkit app. The idea is to teach money management to youngsters. The app offers mobile recharges, tracking of spends (card transactions) and the creation of budgets for money-saving. The app also bundles a range of offers from various merchants.
Pockets Wallet also is convenient service backed by the trust of ICICI bank. Anybody can signup and make use of Pockets wallet and being an ICICI Bank customer is no compulsion. A free virtual visa credit card is offered with the wallet which can be used to make payments across all online merchants in India. Other than that, Pockets also offers an option to get a physical card link to the wallet, perhaps, the yearly fees applies for that. The advantage of a physical card is that it can then be used at offline retailers as well.
Lime wallet by Axis Bank is a wallet service similar to Pockets wallet by ICICI Bank. A free virtual credit card (called Shopping Card) powered by MasterCard is offered to the users of wallet service. The card can be used at any online merchant in India with no international usage allowed.
Oxigen Wallet is a popular wallet app which is known for running exclusive cashback offers from time to time. The oxigen wallet offers a free virtual visa card which can be used to make purchases on any shopping portal within India. Know more about Oxigen 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 anywhere, domestic or international. Get more about Digipurse Wallet.
Not actually based in India, but Entropay has been around since long. The service offers free virtual visa cards which are international. Although they do carry a high loading commission, but Entropay is probably the only virtual card service which is open to anybody and is usable internationally. You can generate any number of cards and can even transfer funds from one card to another. Get more about Entropay.
FreeCharge is an online recharge and bill payment facility which is now owned by Snapdeal. Recently freecharge expanded the usability of its wallet by offering users a free virtual card (called Freecharge Go card) powered by Yes Bank and MasterCard which can be used across any online merchant; eBay, Flipkart, Snapdeal, Amazon or anywhere you want to. 3D code authentication is done during the card usage by sending an SMS to the phone number registered with FreeCharge.
Virtual Cards Provided By Banks
They also offers virtual credit cards to their customers through its NetSafe interface. The lifetime of the card is 48 hours of 1st transaction (whichever is earlier). Get more info on HDFC Bank Netsafe.
Kotak Mahindra Bank customers can avail the free Kotak NetCard (or Netc@rd). The service is powered by Enstage and the provided VCCs only work internationally as they do not support secondary verification in the form of 3D secure code. If you want to shop or pay for something to international merchants who do not need 3D authentication, Kotak NetCard is a nice option. It cannot be used on PayPal due to its limit of only 1 successful transaction.