If you are looking for the best virtual debit card which you can get in India to make an International payment then you are in luck. This article is all about the top virtual debit card for Indian users to make their international payments easily.
With the increase in fraud, everyone is looking for getting a service that can provide them with virtual debit cards so that they can use them once and destroy them for good. No one is ready to use their personal debit card so avoid risks.
And keeping this in mind many of the banks came up with virtual debit cards to make an international payment, so in this guide, I will be coving all the banks or services which provide free virtual debit cards to make transactions abroad easily.
What is a Virtual Debit Card?
The virtual debit card also works the same just like any other debit card the only difference is that you will not be getting any physical card, you will just get the details of the card on your mobile app of which services you will be using. Also, the best thing about virtual debit cards is that you don’t need to wait to get a card, you will get it instantly.
You can use it to make your transactions online just like any normal debit card, the only difference is that you cant use it to make ATM transactions.
List of International Virtual Debit Cards in India
1. Kotak 811
When it comes to international virtual debit cards, one of the best services is offered by Kotak 811. Kotak virtual debit cards are the most used cards in India as its being a reputed bank provides seamless services for its virtual cards.
It will take only 5 minutes to create Kotak 811 account the only thing you need is your aadhar card and pan card number.
2. HDFC Payzapp
HDFC Payzapp is a prepaid virtual card service from HDFC itself, you can use it to get a virtual card free of cost and load money into it using any bank. Also, you can use it without OTP authentication as well, you just need to enter your pin instead of OTP for that and it will work just fine anywhere in India.
3. ICICI Pockets
ICICI Pocket is yet another prepaid card offered by ICICI. All you need is to create an account and complete your video KYC which will hardly take 5 minutes. You can also create Internet banking to manage the account easily and to add money into their account from any bank or card.
4. SBI Buddy
If you are looking for a prepaid SBI international debit card then SBI provides it through its app known as SBI Buddy. You can manually load money into your prepaid card using any payment option and use their card to make any purchase.
5. Digibank by DBS
Digibank by DBS is yet another option to get a prepaid virtual card, with their service you will also get a virtual account number and IFSC code to add money to your virtual card. DBS virtual card is accepted worldwide to make transactions.
Just like any other bank, you need to create an account and use your aadhar card and pan number to create your account online in just 5 minutes and you are ready to use their virtual card.
Why Should I use a Virtual Debit Card?
If you have concerns about your security then a virtual debit card is something that you should consider using. There are various benefits of using a virtual card, firstly you don’t need to use your personal card on any website, secondly, you can destroy your virtual card after one use to maintain your security.
When it comes to a virtual card, it provides users with the full flexibility to use the card on any website to make payment and to set limits on the card to protect them from illegal theft and online fraud. You don’t even need to worry about the card details getting stolen if you are using a virtual card.
There is one more main reason to use an international debit card if you reside in India because all the payments with we make from Indian banks doesn’t ask for an OTP, all international payments are made automatically without an OTP, and also not forget about autopay, virtual cards also help us to stay safe from autopay, only pay when you need.
What is the Limit of Virtual Debit Card?
If you are using a non-KYC account then you will be getting a limit of 20,000 INR with most of the providers. If you are looking to increase your limit you need to do Aadhaar based E-KYC to increase your limit up to Rs. 1 lakh.
How to Add Money to Virtual Card?
There are various ways to add money to your virtual card, commonly these virtual cards act as a wallet where you can add money just like any wallet, you can use net banking, IMPS, NEFT, or even use the provider bank account to directly add money to your card.
As India gets Digital, the need for online transactions increases, but with that online theft and cyber crimes are increasing, so it’s important to maintain our security and there is nothing better than using a virtual debit which also provides us with the flexibility to make international payments to abroad counties.
If you like our post, share it with your family and friends to increase awareness about international virtual cards and let them know they should use virtual cards to make international payments.