Best 10 Free VCC Providers in India 2024

Online Instant Virtual Credit Card (VCC) is a very trendy tool in this internet area where without sharing your original debit/credit card you can generate a Virtual credit card and do safe shopping online without sharing your original bank card.

For that reason today we are gonna share working Best 10 Virtual Credit Card (VCC) provider in India For 2023 with you.

In recent times when so much online fraud happening you can protect yourself via using VCC so you must be thinking about how much VCC is actually useful and why I praise for vcc so much.

apply for virtual credit card
Best 10 Free Virtual Credit Card 2023

Before we tell you all the benefits and virtual card providers let me give you a brief about VCC and how it is beneficial as lock down going over all the VCC are going to use.

What is a Virtual Credit Card?

Virtual credit card are also known as VCC. Virtual credit /Debit card helps you to shop online without sharing your actual debit or credit card details.

VCC is temporary and Mostly it is free so you can generate as much VCC as you want use it and destroy it.

How Virtual Credit Card is Useful?

A Virtual Card is a temporary debit or credit card that you can generate online via Net Banking and use where you wanna shop online.

By using VCC you can secure your original Card details so hackers can not steal your original details. VCC is temporary and you can generate multiple times.

Let’s Take an example: If you wanna Buy a Mobile worth 10000 from Amazon or Flipkart and don’t want to share your original bank debit/credit card with online sites you can generate a VCC worth Rs 10000 from Net banking.

From Net banking, you get Online Virtual card details which include Card number, expiry date & VCC.

Use VCC details to buy your Mobile and rest assured without sharing your original bank card you have bought your product successfully.

Virtual Credit Card Benefits:

  1. Protect your original Card details.
  2. VCC is Temporary and destroyable easily.
  3. By using VCC you can enjoy Card Cashback multiple times.
  4. VCC gives you Online Privacy.
  5. No Annual Fees or usage Charges.
  6. Zero Documentation needed.
  7. No Minimum Balance Condition.
  8. Can be used Anywhere Online.

Bonus: We have added a Special VCC Provider which is new and most don’t know about it So read it and find out which one.

How to get an instant Digital Card in India?

To get an instant digital credit card in India:

  1. Choose a bank or fintech.
  2. Check eligibility criteria.
  3. Apply online through their app or website.
  4. Complete the KYC process.
  5. Fill out personal and financial details.
  6. Wait for approval (usually instant).
  7. Use the virtual card for online transactions.

Remember that the specific process may vary by institution, and you should check with your chosen bank or fintech for the latest details.

How to Generate Virtual Credit Card (VCC) Online :

Now you have to understand what is VCC & How it works let’s come to how you generate or create an Online free Virtual card.

Generally, VCC will be generated via net banking but now many Android & iOS apps give this facility too which means many ways to generate an Online Virtual Card.

Most banks give VCC options in their net banking simply you have to log in to your bank Net banking portal and Find an e-gift card or VCC option.

Go there enter the amount generate a Virtual credit card and copy VCC Details to do online shopping.

Many apps give VCC options like freecharge, pocket, etc. You have to simply register in the app and do the KYC process to start loading money in your wallet.

As you load money you are able to generate a Visa or Master card Virtual card. You can use this VCC card on any E-commerce site safely and securely.

List of Top 10 Best Free Virtual Card [VCC] Providers in India :

S. No.Virtual Credit Card List
1.SBI Net Banking
2.HDFC Net Safe
3.Kotak 811
4.Digi Bank
5.ICICI Pockets
6.HDFC PayZap
7.Yes Pay
8.Paytm Payments Bank

1) SBI Net Banking

I am starting from the State Bank of India Virtual card service. SBI is a Government bank and Provides the best services today.

They are giving Virtual credit card services via SBI net banking which means if you are a State Bank of India customer you can log in net banking and generate an Unlimited Visa Virtual Credit card online.

You Can Find VCC Option in Login >>e-services >>e-cards>>State Bank Virtual Card

free virtual credit card no deposit
SBI Virtual Credit card

From here you can set your VCC limit & select your Bank account and Generate VCC. You can instantly see Visa virtual card details on your screen copy it and use them where you want.

From SBI you can generate each time unique VCC and after using deactivate it and generate an unlimited Virtual credit card.

From SBI net banking You can also generate Prepaid cards, Travel cards, and gift cards also.

2) HDFC Net Safe

Netsafe is a unique platform by HDFC Bank. It is a safe & Secure platform where you can generate a Virtual debit/credit card by the help of you HDFC bank Debit or credit card details.

From here you can generate a MasterCard VCC or Visa Virtual credit card free. The Good thing here if you don’t have net banking details still you can generate Net Safe VCC by Debit card Details.

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It is separate from net banking so both login are different and safe. From HDFC net safe Card you can purchase anywhere and you can use it where VCC is not allowed.

free virtual credit card for paypal verification
HDFC Virtual credit card

From HDFC VCC Card you can also verify your Paypal account too. HDFC has changed the user interface so see before carefully choosing an option. So Go ahead and try it.

3) Kotak 811

Now we are moving to an easier solution of VCC Providers that is app based vcc. In this field again we start with banking apps that give you banking plus VCC cards.

In this field, we start with the Kotak 811 App-based banking app. Kotak 811 app is powered by Kotak Bank which leading bank in India.

virtual credit card app
Kotak 811 VCC

Simply Download the Kotak 811 Banking app from the Play Store and make a new account with your Aadhar number & Mobile number after creating an account you are ready to get a Virtual debit card which also works as a virtual credit card after loading the balance in VCC.

The good thing with VCC is that non-Kotak bank users also register in the app and are able to use VCC instantly. For full Kotak 811 service upgrade your account by manual Bio metric verification.

4) Digi Bank App By DBS Bank

Digi Bank is Very popular in India it helps many young age students. As you know Young users don’t have Bank debit or credit cards so they easily create an Account on the Digi bank Android app and Instantly Get Free Virtual debit/Credit cards.

instant approval virtual credit card

After that they load their Digi wallet by UPI, debit, or net banking they easily use Digi Virtual credit card on any online shopping portal.

Digi Bank is backed by DBS Bank which is Aisa’s No. 1 bank so you can imagine you get full security and an easy user interface.

5) Pockets App by ICICI Bank

Previously ICICI Bank also offered VCC On their net banking as SBI & HDFC do But now they closed that service and they introduce that VCC in their latest Android app name Pockets.

Pockets app is a new area Banking app that gives you multiple options as banks do and anyone can use the Pocket app and Get a Virtual Card.

free virtual credit card india

In the pockets app You get a Virtual card as you sign up and do basic KYC you also request a physical debit card without having any bank account for the extra card.

You can load Pocket VCC via UPI, Net banking, debit/credit card, etc. or If you are an existing ICICI Bank customer you can load directly from your bank. From this, you get an extra layer and an extra debit card which makes your online shopping more secure.

6) PayZapp App By HDFC Bank

free virtual credit card for netflix
PayZAP Virtual credit card / Debit Card

Pocket was launched by ICICI Bank. HDFC bank also launched its PayZap app which offers the same benefits with a virtual card facility.


BHIM is Gov initiative UPI App and Indian Bank like Yes Bank use this initiative service in their BHIM YES PAY app which gives you UPI Benefits & Virtual card benefits.

8) Paytm Payments Bank

Paytm Payment Banks is a newly launched bank in India. As it launched it started giving banking services to its large user base which include virtual debit cards which help you greatly in online shopping.

9) Solknit (Closed)

Solknit is an individual platform that is not linked by any bank directly but gives VCC facility to all its users and many benefits if you use a Solknit card.

10) EntroPay

Now I am sharing with you my one of Favorite Virtual cards EntroPay. It is a Foreign Virtual card provider that works all over the world and Gives you more options than others.

EntroPay signup process it a little bit tricky but I am sure you will register easily and create your Free Virtual credit card easily.

11) OneCard

OneCard is another new Online VCC which is still in the Beta stage and providing a Free Virtual credit card. It is simply a credit card and on signing up on the app you will get Free VCC and when you receive a metal Credit card then VCC is disabled.

there are many new VCC providers coming in the market these days, they are providing VCC on sign up and when you get a physical credit card then VCC will be disabled so you can create an account on those apps & generate VCC and use it for your work.

(Bonus) ICICI Bank Virtual Card

Yes, It is a 2023 bonus for all of you.ICICI Bank is also giving Free virtual cards to all its users they changed their name to ICICI Expression Gift Card which works the same as VCC.

icici expression gift card VCC


You need to go specific Link to generate an ICICI Expression Card and you can generate it and gift it to others or use it by sending it to your own.

icici gift card

Remember one thing You can generate this card only in ICICI Net banking no other method is allowed so if you are an ICICI bank user go ahead and enjoy.

Also check: 5 Highest Paying Credit Card Affiliate Programs in India,5 Best Apps to Pay Credit Card Bill in India [Cashback Loot]


How can I get a free virtual credit card?

To get Free VCC you just need to use any VCC provider app like HDFC, ICICI, etc. create your account load some money then go to card settings and generate New Free VCC.

How do I get an instant virtual credit card?

Virtual Credit Card is the same As VCC because you have to generate that amount which is in your wallet or bank available. To generate it go to your virtual provider app or web and generate it.

How To Get a Virtual Credit Card Free Without Verification?

To get free VCC without verification you have to buy it from someone who is selling it online platform like eBay etc.

How can I get a free virtual card in India?

You can often get a free virtual card in India by signing up for digital payment platforms like Paytm, PhonePe, or Google Pay, which offer virtual cards as part of their services.

Is Wise VCC free?

Wise virtual cards are free to customers with personal or business accounts, except those from the U.S. or Japan

Which banks offer VCC?

Citibank, Bank of America, and Capital One

So guys That’s it for today! Let me know what you think about my Top 10 Free Virtual Credit card providers and In your knowledge any VCC provides do comment so we can add them here and help others too. This VCC providers are updated list of 2023.

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“They all laughed when I said I'd become a Blogger. Well, they're not laughing now.” Now being one, I always love to share my knowledge with others. :) I find myself good in Tech Field & Apps Promotion. You can catch me up at Linkedin or Facebook.

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