At Kiwi, we make it easy for you to understand and use virtual credit cards—the smarter, safer way to shop online. A virtual credit card is a digital version of your physical credit card. It exists only on your phone or email, and you can use it to make secure online payments without exposing your main card number.
Most major Indian banks and fintech platforms like HDFC, ICICI, SBI, Axis Bank, and even platforms like Paytm and Fi offer virtual credit card options. These cards come with a unique 16-digit number, CVV, and expiry date, generated instantly through your bank’s app or website. They link to your existing credit limit but allow you to transact without using your physical card.
We help you understand how virtual credit cards work, how to generate one, and where you can use them. Our guides explain the setup process for each bank, how to use the card on shopping apps, and how to track and manage your usage. You can start using one within minutes—without any paperwork, delay, or extra cost.
We also break down different types of virtual credit cards, including one-time-use cards for secure single transactions and reloadable virtual cards for regular usage. Whether you’re shopping online, subscribing to streaming services, or making cross-border payments, we show you how to do it securely and efficiently.
Virtual credit cards don’t just offer convenience—they protect you from online fraud, unauthorized usage, and data theft. Since they’re not physically present, they’re impossible to clone. You can block or delete them instantly if anything feels off, reducing your exposure to cyber risks.
At Kiwi, we highlight the key benefits of virtual credit cards: instant issuance, zero physical risk, usage limits, and no risk if stolen. We also show you how to set transaction caps, expiry timers, and merchant restrictions, giving you more control over your online spending than ever before.
We review the best virtual credit card options in India, including lifetime free cards and digital-first credit cards from neobanks. You’ll find details on reward programs, interest-free periods, EMI conversions, and how these virtual cards compare with physical cards in terms of charges and usability.
We also stay updated on RBI regulations and bank-specific policies regarding virtual cards. When new features roll out—like tokenized cards for added security or integration with UPI—we break them down in plain language so you can make the most of every tool.
At Kiwi, we believe virtual credit cards are the future of online spending. They put you in control of your financial security while keeping payments fast, easy, and rewarding. Explore this category to find trusted recommendations, step-by-step guides, and everything you need to manage your virtual credit card like a pro.