What is Virtual Credit Card (HDFC)?
Virtual Credit Card (VCC) is a secure payment mechanism offered by HDFC Bank to make online payments conveniently and securely. It is a ‘One Time Use’ card that allows customers to generate a unique card number for use at any merchant/service provider website for a specific transaction. Here, the customer does not need to reveal any actual credit or debit card details.
Benefits of HDFC Virtual Credit Card
- Secure: This card is based on multiple layers of security as only a single transaction is allowed with it.
- Complete payment flexibility: HDFC VCC can be used to make payments online, over the phone, through mail-order, and more.
- User friendly: You can apply for and receive a VCC with ease and without any additional paperwork.
- Safe and Secure: It prevents fraud because an operating VCC uses a 16-digit card number that is different from your credit/debit card.
How to Generate HDFC Virtual Credit Card?
- Log in to your Netbanking account.
- Go to “Credit Cards” section.
- Under “Manage card/bank account”, select the “Virtual Credit Card” option.
- Next, you need to choose the “Generate Virtual Credit Card” option, select the required card type and specify the desired amount.
- Review the details, enter your secure pin and click on “Submit”.
- Done! Your Virtual Card will be issued and its details will be sent to you via SMS & email.
HDFC Virtual Credit Card is a convenient and secure way to make online payments and has a wide range of uses. It also helps to prevent fraudulent activities by keeping the customer’s actual credit or debit card information private.