HDFC Bank Virtual Credit Card

The biggest worry of card users when shopping online is exposing their credit card or debit card information on merchant websites. HDFC Bank has launched HDFC NetSafe, a virtual credit card, which addresses this concern by generating a unique virtual card number for credit or debit cards that can be used instead of your real numbers for online transactions. Similar to a prepaid credit card, NetSafe is a payment solution that protects your personal details (like credit card number, PIN, etc.). 


What is a Virtual Credit Card?

HDFC virtual credit card is a card where the physical card details are not used for payments. Instead, a virtual card number is generated for each payment to avoid duplication/ phishing of information entered for making a payment online.

Key Features & Benefits of NetSafe

  • HDFC NetSafe keeps your real card information safe by letting you use a virtual card number on merchant websites. 
  • You can even create a unique password for additional protection.
  • For protection against phishing attacks, you can create a unique personal message that must be confirmed during every transaction.
  • Currently, NetSafe is free for all HDFC Bank Visa and Mastercard Credit Card and Debit Card users.
  • The amount to be loaded onto the HDFC virtual credit card is preset, keeping the rest of your funds secure.
  • The amount will be refunded to your account if the transaction is not made within a specific period (which is usually 24 hours).
  • Any balance amount is refunded to the credit/ debit account of the cardholder.
  • The HDFC virtual credit card number is auto-generated and gets expired after the specified time period lapses.
  • For a debit card, you can generate up to 5 virtual cards daily subject to your Point of Sale limit per day, provided there is an available balance in your savings/ current account and for your credit card up to the available credit limit. You can then use the virtual card number at any online merchant site and complete your shopping with security and ease.

Key Benefits of NetSafe

  • The HDFC virtual card created by you is a one-time use card.
  • Your HDFC Bank credit card/ debit card number is never used on the merchant website.
  • You can set your own limit for the HDFC virtual cards you generate.
  • You can use the card on any merchant website that accepts VISA/Mastercard cards.
  • All purchases made with NetSafe Cards will be displayed on your statement, just like any other transaction.
  • With NetSafe’s unique security feature, your credit/debit card number is never revealed on the internet. Instead, you generate a virtual card number, withdrawing funds from your credit/ debit card account. 
  • The virtual card number is valid only up to the expiry date of the virtual card. 
  • The limit of the card is the amount chosen by you.
  • Registration for NetSafe is a one-time process, post which you can generate NetSafe Cards anytime, anywhere.

HDFC Bank Virtual Credit Card Fees and Charges

Currently, HDFC Bank does not levy any fees or charges for the HDFC NetSafe virtual credit card to make online transactions safer and more secure. It is provided free of cost until further notice.

HDFC Bank Virtual Credit Card Eligibility

With the aim of making the facility accessible to all individuals, HDFC Bank has set the following eligibility criteria for its virtual credit card:

  • The applicant must have an existing HDFC credit card/ debit card.
  • The applicant must have the required funds or enough credit for the transaction to take place.

How to Generate HDFC Virtual Credit Card?

You can create the NetSafe Card by following the steps mentioned below:

  • Visit the official website of HDFC Bank.
  • Log into NetSafe with your Login ID and Password.
  • Select your preferred account from which you want to draw funds for creating a NetSafe Card.
  • Click the ‘OK’ button to generate the NetSafe Card.

You can also generate the card by downloading a plug-in which will remain on your computer. On clicking the plug-in, it will directly take you to the page to generate the NetSafe Card.

Virtual Credit Card Vs. Physical Credit Card

Following are the key differences between a virtual credit card and a physical credit card:

Physical Credit CardVirtual Credit Card
Can be used for online as well as offline transactionsCan’t be used for point-of-sale purchases
Interest-free period availableGenerally interest-free period isn’t available
Generally expires after a few years from issuanceValid for 24 - 48 hours
Facility to earn reward points & cashback No such benefit available in the majority of cards 
Helps build a credit score in the long runDoesn’t contribute to building a credit score

Some HDFC Bank Credit Card

HDFC Bank offers the following credit cards:

  • HDFC IndianOil Credit Card
  • Freedom Credit Card
  • Millennia Credit Card
  • INFINIA Credit Card
  • Diners Black Credit Card
  • Paytm HDFC Bank Credit Card
  • Paytm HDFC Bank Select Credit Card
  • Paytm HDFC Bank Mobile Credit Card
  • HDFC Swiggy Credit Card
  • Regalia Credit Card
  • Diners Club Privilege Credit Card
  • HDFC MoneyBack Credit Card
  • MoneyBack Credit Card
  • Regalia First Credit Card
  • Diners ClubMiles Credit Card
  • Platinum Times Card
  • Titanium Times Card6E Rewards - IndiGo HDFC Bank Credit Card
  • 6E Rewards XL- India
  • Go HDFC Bank Credit Card
  • InterMiles HDFC Bank Diners Club Credit card
  • InterMiles HDFC Bank Signature Credit card
  • InterMiles HDFC Bank Platinum Credit card
  • Paytm HDFC Bank Business Credit Card
  • Paytm HDFC Bank SELECT Business Credit Card
  • Business Regalia
  • Business MoneyBack Credit Card
  • Best Price Save Max HDFC Bank Credit Card
  • Best Price Save Smart HDFC Bank Credit Card
  • CSC Small Business MoneyBack
  • All Miles Credit Card
  • Bharat Credit Card
  • Business Bharat Credit Card
  • Business Freedom Credit Card
  • Business Gold Credit Card
  • Business Platinum Credit Card
  • Business Regalia First Credit Card
  • Diners Club Premium Credit Card
  • Diners Club Rewardz Credit Card
  • Doctor's Regalia Credit Card
  • Doctor's Superia Credit Card
  • JetPrivilege HDFC Bank Select / Titanium
  • Platinum Edge Credit Card
  • Platinum Plus Credit Card
  • Solitaire Credit Card
  • Superia Credit Card
  • Teachers Platinum Credit Card
  • Titanium Edge Credit Card
  • Visa Signature Credit Card
  • World MasterCard Credit Card

FAQs on HDFC Bank Virtual Credit Card

How can I get HDFC virtual credit card?


You can get an HDFC virtual credit card by registering for NetSafe via HDFC NetBanking.

Can I use 2 credit cards of HDFC Bank?


Yes, you can use two credit cards from HDFC Bank.

Can I use the netsafe card to withdraw cash?


No, the NetSafe card cannot be used to withdraw cash as it can only be used to make online payments.

Can I use the NetSafe Card at all websites?


Yes, you can use your NetSafe Card at all the websites that accept Visa/ Mastercard cards as payment options. 

How do I cancel a NetSafe Card, after generating it?


Follow the steps given below mentioned for cancelling a NetSafe Card:

  • Login to NetSafe and select your account.
  • Select ‘Card List’ which will display all the generated cards.
  • Select the card that you want to cancel.
  • Click on the ‘Cancel Card’ option.
  • The amount will be credited back at the end of the validity period.

Is there an annual fee for the HDFC Bank NetSafe Card?


No, NetSafe is currently free for all HDFC Bank Visa/ Mastercard Credit Card and Debit Card users.