best virtual credit card India - prepaid virtual credit card - Wiki-Finance-Pedia

Top 10 – Best Virtual Credit Card Providers in India for 2025

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In-case you wish to know about top virtual credit card for international payments in India or from best domestic to international virtual credit card in India or sometimes may be virtual debit card, then your search ends here. Today we are going to showcase free virtual credit card in India, different credit card generator available in the market or how to create virtual credit card in India. Apart from this we are also going to see the top 10 – best virtual credit card provider in India for international payments in 2025. One of the most popular terms used frequently is virtual credit card in India. Most of the users are now trending towards shopping / buying / paying online for services or goods through best virtual credit card in India.

Many times you would have observed that your card details are saved when making payments through online gateway, with a specific end goal to make it helpful to utilize further. But at the same time your details are exposed and are at higher risk from getting stolen by third party. The customer may lose his hard earned cash to unknown web user.  Due to this major disadvantage there was a new need which arises and the new method of payment was born called virtual card payment. A virtual credit card can be utilized to maintain a strategic distance from such kind of risk and protect the cash from any online frauds.

Top 10 – Best Virtual Credit Card in India 2025

There are various Indian banks providers offering virtual credit card services for free in India 2025-2026. Before looking into this further, I would recommend you to check out our tutorial topics on what is a Virtual Credit Card. For the first time users, we have explained in detail with its benefits along the simplest steps to create virtual credit card online. Now here we are going to highlight best virtual credit card providers in India and virtual credit card for international payments India. Check it out below:

HDFC NetSafe Virtual Credit Card

Customer Rating:  Product - Customer - Rating 4.5 - Review 4.5 - Wikipedia of Finance (4.5 out of 5 Rating.)

Netsafe is a remarkable online secure card. This HDFC Netsafe Card creates the virtual card for international payments through the virtual card generator page using your existing debit card or credit card. NetSafe is offering FREE VCC for all HDFC Bank Mastercard and Visa Credit and Debit Card holders. It is also one of the best virtual credit card in India. The unique number created for the virtual card can be later used for online shopping or buying from e-store or online payments to your service providers. Using your debit cards, you can create upto five virtual credit card hdfc cards on day to day basis.

The HDFC Netsafe card highly secured with validity of 48 hours and then the card expires automatically. After then, the remaining balance is credited back to your respective debit card or credit card. The benefit or real advantage of HDFC Virtual Credit Card is that it can be used for transactions on merchant site that acknowledges Mastercard/Visa Card, giving you the highest secure online payment option.

Payoneer Virtual credit Card

Customer Rating: Product - Customer - Rating 5.0 - Review 5.0 - Wikipedia of Finance (5 out of 5 Rating.)

Much like Entropay, Payoneer also facilitates you to create a free virtual credit card. It charges you some small amount of fee to create Mastercard, but at the same time payment is 100% secure and safe. To create a payneer virtual card follow this simple steps mentioned here:

Payoneer Virtual Card - Virtual Credit Card for International Payments India

Visit the Payoneer website and signup to create new account.

  • To confirm the customer’s detail, you will require submitting the documents of proof. On successful a free bank account number will be generated which can be used later.
  • Then click on “help” menu and message with your registered email address and state why you want a virtual card.
  • In sometime you will get an email requesting your decision for the free instant virtual card or a plastic card. After confirming on email, you will receive a card numbers along with details on your email address.

Here is your VCC ready to use. You can start making payments in currencies like Euro, USD, etc. It doesn’t take much time to create virtual card. Just give a try once.

Oxigen Virtual Prepaid Visa Card

Customer Rating: Product - Customer - Rating 4.5 - Review 4.5 - Wikipedia of Finance (4.5 out of 5 Rating.)

Wiki-Finance-Pedia - OXIGEN - virtual credit card generator - RUPEES - DOLLAR - EURO

This is also called as Virtual E card. Oxigen virtual prepaid card is much similar to a physical visa card. You can utilize it to shop online at e-stores or shopping like Flipkart, Amazon, etc.  It gives you a convenience and enhanced way to your shopping experience. In India, this card is issued by RBL Bank. It is also one of the good option and best virtual credit card provider in India.

Much like other cards, this card can be utilized for several transactions till you have your balance in your virtual E card. However, you can easily create the card by following this simply steps:

  • Download the Oxigen Wallet app in your phone and register with RBL bank by providing address, contact details and email address.
  • On the main page you will see the option of ‘Virtual E prepaid visa card’. Once you get inside click on agree terms and conditions and click on “Create my card”.
  • Fill the RBL registration details and click on “ok” button. Then enter the amount and ATM pin for which you want to create a virtual card and click on “create card”.
  • You Virtual-E Prepaid Visa Card is ready to use. You can now start online buy and enjoy shopping with your best virtual credit card in India.

ecoPayz – ecoVirtualcard

ECOCARD - international virtual credit card india - Top 10 - Best Virtual Card USA

Customer Rating: Product - Customer - Rating 5.0 - Review 5.0 - Wikipedia of Finance (5 out of 5 Rating.)

ecoPayz offers safe and secure international payment solutions and services to clients and businesses worldwide. The FCA (Financial Conduct Authority) manages ecoPayz. It is also an authorized MasterCard provider. This empowers clients and organizations with security, convenience, and peace of mind while paying online. With just 10 years experience, ecoPayz prides itself on consistently developing and growing the scope of virtual payments and physical payment products and solutions.

With ecoPayz Merchant Account enables merchants and retailers to send and receive funds hassle free from across the globe. While with ecoPayz Business Account you have access to minimal cost and hassle free payment solutions for paying staff, individuals, etc in 173 countries and 46 currencies.

EcoPayz is a safe and secured prepaid card. ecoVirtualcard works straightforwardly with your ecoAccount so you can safely pay online to merchants over web or via telephone, without showing any of your financial or personal information. You can instantly create ecoVirtualcard with no credit checks or bank account. You can also upgrade to Silver ecoAccount before you can apply for an ecoVirtualcard by confirming your address and identity. It is effortlessly a standout amongst the top virtual card provider in world. check it out.

For creating EcoPayz virtual card, it is a quick and straightforward process that exclusive requires that you input a couple of details for example: your email, name and address. Furthermore, you should include your debit card / credit card details to fund your EcoPayz prepaid card. Then your record must be verified through an email confirmation with an activation code. Once you finish this procedure, sign in to your account. Accept the terms and conditions. Then, complete the simple process of registering for an EcoPayz account.

Udio Wallet VISA VCC Card

UDIO - Best Virtual Credit Card - Create Virtual Credit Card Free - USA - Worldwide

Customer Rating: Product - Customer - Rating 4.0 - Review 4.0 - Wikipedia of Finance (4 out of 5 Rating.)

Udio is an another best virtual credit card provider in India. The best way to use this card is for example: give a gift card to your child on his birthday too that can be utilize for web based shopping.  You can start creating your VCC from udio wallet app. This wallet offers a free virtual visa card which can be used across India. Udio also gives a plastic card / physical card with nominal fees which allows you to shop at offline merchant too. These cards are issued by Udio in partnership with RBL Bank.

Company is providing various cashback and discounts as well. You can load your virtual card by means of a credit card /debit card or Netbanking of your bank. Also you can use your Udio cashpoint to load cash in card. Udio wallet app give privilege of standard facilities for example: receiving / sending money from other udio users or bank account.

Ewire Virtual Credit Card

Customer Rating: Product - Customer - Rating 4.5 - Review 4.5 - Wikipedia of Finance (4.5 out of 5 Rating.)

Ewire - Virtual Credit Card for International Payments India - Wikipedia of Finance

Ewire (earlier known as Cashier and website named as liveewire), an Instant Payment strategy delivers a perform business remedy that allows organizations in order to safely and securely collect, manage and supervise payments. It is one of the best virtual credit card in India for international payments which provides virtual card, CVV, time out of expiry automatically. Anywhere one app you ought to upload minimal balance.

3 Easy Steps to Apply for Virtual Credit Card (VCC):

1. Download the Ewire app from mobile app store.

2. Fill the required details and verify your mobile number.

3. Eventually, now you can click on Create VCC and generate a Virtual Credit Card.

Now you can make use of the digital card anywhere freely and safely. There are lot of offers and discounts available for the new users, this is a Best VCC in India where you can give a try for the first-time users and finally you will fall in love using it. Check out their website and enjoy using it.

Netc@rd – Virtual Credit Card by Kotak Bank

Customer Rating: Product - Customer - Rating 4.5 - Review 4.5 - Wikipedia of Finance (4.5 out of 5 Rating.)

Kotak Netc@rd  are also refer as Kotak Bank NetCard.  It’s another best virtual card for secured online payments. Kotak Mahindra Bank acts a virtual card service provider for creating Netcard using kotak netbanking account. The top best virtual credit card in India of Kotak can be use for any online payments to merchant site accepting visa cards. NetCard get expires after 48 hours from the creation; thus make this card securing for any online payments.

The Kotak Virtual card can be utilize for online payments at domestic markets as well as for international markets. It facilitates you to perform transactions in international currencies as well, which turn this card into world-wide acceptance. If you are an existing customer of Kotak Mahindra Bank and having netbanking facility then you can Kotak Virtual card in following easy steps:

best virtual credit card India - prepaid virtual credit card - Wiki-Finance-Pedia
  • Step-1: Login to your Kotak Mahindra Bank – NetBanking account. Once login successfully, from the Dashboard tap on the tab “NetC@rd” to create VCC.
  • Step-2: The system will send the OTP to your enrolled phone number. Once authentication is successful, enter the amount for the virtual card. Tap the OK button. Your NetC@rd VCC (NetCard VCC) will be created instantly and is ready to use.

State Bank Virtual Card

Customer Rating: Product - Customer - Rating 4.0 - Review 4.0 - Wikipedia of Finance (4 out of 5 Rating.)

It is also referred as State Bank of India Virtual Card or SBI virtual card. You can create virtual card from the SBI net banking section of Electronic Card or e-Card. It is also one of the top best virtual credit card in India. The card get expires automatically after one successful transaction or 48 hours from its created, whosoever comes first.

A key feature of the SBI virtual credit card is that you won’t lose interest. These virtual cards are generated on your underlying debit or credit card. The amount is debited only after a successful transaction using the virtual card. This card is beneficial to those who want to make online payments for shopping, business, services, etc. in Indian Rupees only, as this card only allows you to create in Indian currency permitting for payment in India, Nepal and Bhutan only.

ICICI bank – Virtual Credit Card

Customer Rating: Product - Customer - Rating 4.0 - Review 4.0 - Wikipedia of Finance (4 out of 5 Rating.)

Instant credit card facilitates to virtual card ICICI powered by ICICI Bank as a service provider. It’s a brand attach with it making this as most trust worthy amongst Indian customers. Get free virtual credit card instantly to the existing ICICI customer by loading money from your ICICI net-banking through debit card or credit card or pocket wallet. The card can be utilized to make payment online across all Indian merchants.

Pocket app is the ICICI bank wallet service provider. The benefit of the Pocket wallet is that you can now transfer money through NEFT / IMPS via pocket app. ICICI Bank is now developing its applications to transfer the cash to virtual card from ICICI branches. Soon customer can opt. this additional service to create a virtual credit card for free in India.

Union Bank Digipurse Wallet

Customer Rating: Product - Customer - Rating 4.0 - Review 4.0 - Wikipedia of Finance (4 out of 5 Rating.)

Digipurse is another best Virtual Visa Card in India. Union Bank offers you a virtual card for both domestic and international transactions. The key feature of Digipurse Wallet is the ability of utilizing any debit card / credit card / net banking to produce and create virtual card. It is not restricted to have Union Bank account for creating Union bank virtual card.

You can use this card for international transactions. It works even in cases where the limited 3D code makes it difficult to use a physical charge card. You can utilize the Digipurse to make buys on Paypal, iTunes, Amazon and more.

* Entropay Virtual Credit Card – (Stopped for India):

Wiki-Finance-Pedia - ENTROPAY - Top 10 - Best Virtual Card Provider in India

Customer Rating: Product - Customer - Rating 5.0 - Review 5.0 - Wikipedia of Finance (5 out of 5 Rating.)

Entropay virtual card is one of the highly popular service providers for virtual credit cards in India. It offers the Entropay virtual visa card which is an international virtual card can be use to make payment world-wide. In any circumstances, when you require a virtual visa card in only seconds then EntroPay is the best among all VCC providers.

Some of the exiting features are like:

  • You can switch between currencies when making multiple payments.
  • Once you use the card, you can delete it and create a new virtual card as many times as you like, free of cost.
  • You can link your paypal account with Entropay virtual card which is currently not provided by most of the virtual card providers.
  • It offers you to transfer the remaining balance into another best virtual card provided by Entropay.

Your virtual Visa card is enabled immediately, allowing you to complete online transactions effortlessly. Currently, it supports international payments in currencies like USD, EUR, and a few others. You can create this virtual card free of cost, with no transfer fees.

Conclusion

Here we have seen the top 10 – best virtual credit card provider in India for 2025 – 2026. This list is also useful for those you are looking forward for best virtual card provider or best prepaid card provider. I hope you would have liked this article. If you feel you can suggest some other better options to our user then do comment and provide your feedback on it. Thanks 🙂

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