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Virtual Credit Card in India for Free

VCC or Virtual Credit Card is a prepaid credit card. These virtual cards are good for online usage. Most of the online user E Commerce Website’s which is trusted by the Millions of Indian Consumer. For the refund process user always pay from the Debit/Credits Cards, but sometimes due fraud activity traditional people always have fear to lose their hard earning Money. But there is Solution that is called Virtual Credit/Debit Cards in India. 

Virtual Credit Card in India


These days a lot of online wallets are offering a virtual credit card to make their wallets more flexible and most user friendly. In India there are lot of Mobile Payment Wallet like Paytm  , MobikWik, Oxigen Wallet, FreeCharge which provide prepaid payments on the Mobile Recharges, DTH Recharges, Utility Bills Payments. If you Shop Online on the Popular Website like Flipkart or Amazon or Snapdeal those are RBI (Reserve Bank of India) Approved Wallets.  In India there are 5 Most Popular Apps and Services which is providing Prepaid Virtual Cards. Its all the Virtual cards are powered by the VISA or MasterCard which is one of the Most Popular Payment Services in the World.

Paytm Virtual Credit Card

Paytm is one of the most popular Wallet in India. Recently paytm open their Paytm Payments Bank where you can deposit your money. But you need to create a account on the Payments Bank through the aadhar card verification. Then you can get a Virtual card in India power by RuPay.

To get the card,

  1. Download the Paytm apps and signup Paytm account or create a new account.
  2. Then go to the Profile and need to fill the kyc.
  3. After that you can get a RuPay Card.
  4. If you add 1 lakh then Paytm will convert into a fixed deposit(as per the RBI rules).

Pockets Wallet by ICICI Bank

Pockets is a convenient wallet service backed by the trust of ICICI bank. Anybody can signup and make use of Pockets wallet and being an ICICI Bank customer.  A free virtual visa credit card is offered with the wallet which can be used to make payments across all online merchants in India.  And Pockets also offers an option to get a physical card link to the wallet. The advantage of a physical card is that it can then be used at offline retailers as well.

Udio Wallet

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.  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 cashback or special discounts.

FreeCharge Go MasterCard

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 which is called Freecharge Go card.  Its a powered by Yes Bank and MasterCard which can be used on any Payment Gateway which provide payments through MasterCards in India. Its a works like same as Debit Cards which is run on 3D code authentication.

To get the card,

  1. First download signin to FreeCharge account or create a new account.
  2. Go to Account section and choose FreeCharge Go MasterCard.
  3. Enter a 4 digit PIN and your card is ready.
  4. Load your wallet and start using!

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

Slonkit Prepaid Wallets

Slonkit has developed and app and also issues a Visa powered debit card backed by DCB Bank. Parents and children have their own versions of the app. The children get a reloadable prepaid card, which they can use to make transactions at online and offline outlets. 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.

Oxigen Wallet Prepaid Card

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 here.

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