Use Virtual Credit Card to Shop Online Safely

Credit cards security virtual card

Day by day online frauds are increasing very rapidly. The  craze of an eCommerce system attracting customers to buy their essential things from remotely, which is really appreciable & good thing !

But the counterpart  is safety of eCommerce. Which leads to various points while shopping online. In this age of internet you must be a “SMART” shopper instead of only knowledgeable. Your smartness helps you to  avoid fraudulent activities.We must maintain our privacy and security while shopping online or doing any online transactions.We already cover some online security and safety tips.Though we follow all security guidelines we can’t give guarantee of safe & secure  transactions, because hackers are more SMART than us 🙂 They know the security loopholes, so question is what to do for safe & secure  transactions ? Is there is any magic-shield for protection ? It is ! It’s nothing but VCC (Virtual Credit Card )

Credit cards security virtual card

Virtual credit card ( One Time Use Credit Card ) service is one of the essential services for the financial / banking sector but unfortunately  people aren’t aware of these services & not every bank offer  it 🙁 . VCC is nothing but a one time use machine generated credit card number protecting  your real credit card number from identity theft.e.g If you have the card number like 1234-5678-9012-124 having a balance of 50k & you want to use it for online shopping to buy a mobile phone of 10k that time instead of using your original card number you can generate  VCC from your online bank account by providing the withdrawal amount of 10k. After successful authentication you will get a VCC number like 1111-2222-3333-444 instead of original card number. Now you are free to use VCC for your 10k transaction. It implies the safety of the transaction  as well as the privacy of your original card. VCC  is a one time  use card so we don’t need to care about data security 😀

Virtual-Credit-Card-advantages HDFC

Point to consider before generating your VCC :

1. Ask your bank for VCC service, if it’s there then knowing the process of generating VCC is essential. (In India HDFC, ICICI, Kotak Mahindra, Axis bank supports VCC service for saving  a/c )

2. Before creating VCC you must ensure that you are holding international  Credit/Debit card verified by VISA/MASTER secure code.

3. Ask your bank for VCC limit,VCC limit totally depends on your account type.You can also use your debit card for VCC generation.

4. Use your VCC  within given time period, so generate it if you really want to use it. You can’t use it after expiration like an ordinary credit card.

5. Virtual process credit cards are responsible for handing transaction amount seamlessly i.e. if you generated VCC of 20k  and use it for 15k transaction then remaining  5k amount will get credited in your account after a few days.Its depend on your banking  policy !

6. Though you use VCC, always monitor your account activity log and statements .


Do’s & Don’ts  of VCC:

1. Do check Currency Conversion rate before generating VCC if you are going to do International transaction in another currency then make sure your amount is up to the mark !

2. Only online transactions are allowed  for VCC, you can’t do any offline transaction by providing VCC details.

3. Don’t use VCC where recurrent payments are done through online, because VCC  expires after a few days which leads to malfunctioning of further process.

4. Keep VCC details in safe place, don’t copy or upload it to your E-mail.It’s a better to generate it and use it prior to any  transaction.


Benefits of VCC :

1. Robust security.

2. Your original identity is not shared across the web.

3. VCC minimizes the chances of fraudulent activity.

4. You can use VCC for FREE  TRIAL offers.

Sample of HDFC bank VCC:

NetSafe Wallet HDFC VCC card

Online security and vulnerability are major concerns in  current internet age ! It’s our duty to secure yourself from such type of culprits. Shop Online by using  SMART ways of technology !

Saurabh Mukhekar is a Tech Blogger from Pune, India. He is also thinker, maker, life long learner, hybrid developer, edupreneur, mover & shaker. He's captain planet of BlogSaays and seemingly best described in rhyme. Follow Him On
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  • dekock warner Aug 10,2018 at 2:23 pm

    These are such great tips for online shopping. Thank you for sharing this type of helpful and interesting article. This post is very informative and for online shopping users. I love online shopping where you can get all fashionable or latest brand.

    • Saurabh Aug 12,2018 at 2:16 pm

      thanks hope it help you to secure your online shopping

  • Yalatechhub Jun 12,2018 at 4:34 pm

    this is a good information. i mostly use online banking system thanks!!

    • Saurabh Jun 16,2018 at 3:57 pm

      yes its important to understand this fact

  • Virtuous Payments May 7,2018 at 2:53 pm

    As fraud cases also happens in online shopping, so need to follow some guidelines for safe online shopping. Thanks for sharing your Information with us. Its really working and important for us. So please keep sharing.

  • Feb 5,2016 at 9:04 pm

    Get your International Prepaid virtual credit card with convenient payment options in INR using NEFT, IMPS, Branch Deposit in State Bank of India or USD in Paypal

    Very useful for people who does not have international credit card or do not want to use your own card in international site.

  • kamaalehsaan07 Mar 9,2015 at 9:31 pm

    People are more excited will all the stuff going around at Online Shopping with eye caching Deals and Offers and using there credit card for payment they need to be very much alert with these kind of issues. These kind of information and awareness is necessary because some people don’t know what goes bad around Online.

    • Saurabh Mar 11,2015 at 12:59 am

      Exactly kamaal its important to know the filed before going for any battle ! Securing your Credit card is more important as internet expanding worldwide very quickly

  • Rahul Aug 27,2012 at 11:51 am

    Thank’s dude… i will do for MS transaction

  • Online shopping Aug 18,2012 at 4:14 pm

    Online shopping be a popular trends for shopping nowadays but fraud cases also happens in online shopping, so need to follow some guidelines for safe online shopping. you have done a great work ………. its really working and important for us. so please keep sharing ….

    • Saurabh Aug 21,2012 at 7:49 pm

      Yes its necessary to take precaution before using online shopping option !

  • Amit Shaw Aug 15,2012 at 7:16 pm

    Thank you so much @Saurabh For this awesome Info. Now i have to book mark this 🙂
    Thank you so much.

    • Saurabh Aug 15,2012 at 7:49 pm

      You are most welcome 🙂 Do share your review about VCC !

  • Mahesh Verma Jul 26,2012 at 3:52 pm

    Awesome information sir thanks sharing this 🙂

    • Saurabh Jul 26,2012 at 4:31 pm

      Thanks I hope it will help you during any online payment 😀 VCC is best way to avail limited offers !

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