Virtual Credit Card from HDFC Bank



Did you ever think of a disposable credit card which can be used only once and can be used to transact online with a credit limit pre-set by you. HDFC Bank and VISA both joined hands to provide this free facility (aptly named as Netsafe) some times back.

NetSafe, the latest technology offering from HDFC Bank, is a unique service which makes online shopping completely secure. With NetSafe you create a virtual card (NetSafe Card) from your HDFC Bank Visa Credit / Debit Card Number that provides you with complete security while shopping online. The key benefits of NetSafe are as follows

1. Your Original HDFC Bank credit / debit card number is never used on the merchant website

2. The NetSafe card you create is a one time use card valid only upto 48 hours

3. You can set your own limit for the NetSafe cards you generate

4. You can use it on any merchant website that accepts VISA credit cards

5. It is a one time use virtual card

6. It is a free service offered by VISA and HDFC Bank7. Debit card holders can generate upto 5 virtual netsafe cards/day


It is actually a online debit card as the amount would be debited from your account at the moment you create a card. If you don’t use the card, full amount will be credited back to your a/c with out any charges. If you use part of the credit limit, then also you would get the unspent amount within a stipulated period.

All purchases you make with NetSafe Cards will appear on your statement, just like any other transaction.NetSafe offers a unique security feature, wherein your credit/debit card number is never revealed on the Internet. Instead, you generate a virtual card number, drawing funds from either your credit or debit card account [for debit card, you can generate upto 5 virtual cards daily subject to your Point of Sale(POS) limit per day, provided there is available balance in your savings/current account and for your credit card upto available credit limit]. You can then use this virtual card number at any online merchant site and complete your shopping with security and ease As an added safety feature, the virtual card number is valid only upto the expiry date of the virtual card. And, the limit of the card is the amount as chosen by you.The NetSafe Card is a virtual card that is generated through the NetSafe offering and can be used for shopping on the Internet. The NetSafe Card can be generated by logging onto the HDFC Bank website and can be used at any online shopping website that accepts VISA credit cards. Every NetSafe Card can be used for a single transaction only. Any unused amount from the NetSafe Card will be credited back to your credit/debit card account. The risk exposure on the NetSafe Card is limited to your self-chosen limit. To avoid any exposure, it is safe to generate the NetSafe Card for the value of your purchase and use the card immediately at your chosen shopping website.

For details click here


These cards can’t be used in websites which demand Xerox or original card for delivery of goods like railways ticket. It can’t be used in offline. If you purchase things in foreign currency, the currency conversion charges may be high.

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