GoKiwi

Virtual Credit Card

Virtual Credit Card – What It Is & How It Works

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 Card – Benefits, Security & Best Options

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.


Which Indian Cities Have the Highest Credit Card Spend in 2025?

Indian Cities with Highest Credit Card Spend in 2025

Credit card spending in India has reached new heights in 2025. Rapid urbanization, digital adoption, and rising incomes have fueled this surge. The growth is not limited to metro cities anymore. Tier-2 and Tier-3 cities are now key players in the credit card market. Let’s dive into the numbers and trends shaping India’s top credit […]

Credit Card Usage in India: 2025 Trends and Consumer Behaviour

Credit Card Usage in India: 2025 Trends and Consumer Behaviour

Credit Card Trends : Growth in Card Numbers and Spending The credit card market in India reached about 108 million active cards by December 2024. That count doubled from roughly 54 million in 2019.The number of credit card transactions per month hit around 430 million in January 2025, up ~31 % year‑over‑year, but down 1 % from December via seasonal dip […]

Top 10 Signs Your Credit Card Has Been Hacked

Top 10 Signs Your Credit Card Number Has Been Hacked

Introduction Credit cards make life easier, but they also come with risks. Cybercriminals are getting smarter every day. Even if you’re careful, your credit card number can fall into the wrong hands. The faster you catch the signs of a breach, the less damage you’ll face. Wondering how to spot trouble? Here are the top […]

Manage your finances with UPI Credit Card

Manage your Finances with UPI Credit Card

India has advanced from having to wait in large lines to pay bills to being able to do transactions by only scanning a QR code. The widespread use of UPI (Unified Payments Interface), which has completely changed the way we manage money, has been one of the most significant changes. The UPI Credit Card is […]

The Safety Net: Why Credit Cards are the Safest Payment Option for International Travel

The Safety Net: Why Credit Cards are the Safest Payment Option for International Travel?

Safety is the main priority when you are traveling internationally. In fact, an excellent way to ensure your safety traveling abroad is by utilizing a credit card, simply because they come with so many safety features that can protect the traveller, and in turn will protect them from fraud, theft, and lost finances. In this […]

10 Benefits of Using RuPay Credit Card for Digital Payments

10 Benefits of Using RuPay Credit Card for Digital Payments

In today’s digital-first world, credit cards have evolved beyond being just a tool for borrowing money. They offer convenience, rewards, security, and seamless integration with online platforms. One such card making waves in the Indian market is the RuPay Credit Card — India’s homegrown card network. With its growing popularity and wide range of features, […]

Save Money on International travel with Credit Cards

Save Money on International Travel with Credit Cards

Travelling to other countries can be an exciting experience, but it can also be quite expensive. There are costs associated with flights, lodging, meals, and activities that can add up quickly. A great way to mitigate and minimise these expenses is to use credit cards designed for use abroad. While there are a number of […]

In this blog we are looking at the top 5 ways you can address getting a new credit card limit. We will also discuss how credit cards like Kiwi can help you with additional benefits and features to get your credit goals.

How can you increase your Credit Card Limit?

Having a higher credit card limit can be an effective financial option to work with when managing your spending, as well as helping you keep your credit utilisation low. It can give you more buying power, and it can help you have a safety net in case of emergencies.   In this blog, we are looking […]

How Credit Cards can Benefits you in Domestic Travel?

How Credit Cards can Benefit you in Domestic Travel?

Credit cards have become extremely helpful for travellers because there are several features offerings that translate into value for domestic travel in India. Credit cards can be very opportunistic—whether through rewards or different features—there are several ways credit cards can be helpful. Here is an overview of the top 5 reasons credit cards might be […]