VCC or Virtual Credit Card is a prepaid credit card or you can also call it as a debit card because there’s no credit facility on it actually. These cards are sfe to use online beacuse if your card gets hacked. The hacker is Compromised to use the preloaded amount in your card. So to get a VCC in india read this article carefully.
1. FreeCharge Go MasterCard
FreeCharge is an online recharge and bill payment facility which is now owned by Snapdeal. Recently freecharge expanded the usability of its wallet by offering users a free virtual card (called Freecharge Go card) powered by Yes Bank and MasterCard which can be used across any online merchant; eBay, Flipkart, Snapdeal, Amazon or anywhere you want to. 3D code authentication is done during the card usage by sending an SMS to the phone number registered with FreeCharge.
To get the card,
- Signin to FreeCharge account or create a new account.
- Go to Account section and choose FreeCharge Go MasterCard.
- Enter a 4 digit PIN and your card is ready.
- Load your wallet and start using!
2. Pockets Wallet by ICICI Bank
Pockets is a convenient wallet service backed by the trust of ICICI bank. Anybody can signup and make use of Pockets wallet and being an ICICI Bank customer is no compulsion. A free virtual visa credit card is offered with the wallet which can be used to make payments across all online merchants in India. Other than that, Pockets also offers an option to get a physical card link to the wallet, however the yearly fees applies for that. The advantage of a physical card is that it can then be used at offline retailers as well.
Pockets also brings a range of shopping offers from time to time, some of them which are exclusive to users of the Pockets card.
Slonkit does not offer a virtual card, instead a physical card, I’m still keeping it here because it is a nice offering. Slonkit is targeted at parents having young children. It offers a free prepaid Visa Credit Card which is re-loadable by using the Slonkit app. The idea is to teach money management to youngsters. The app offers mobile recharges, tracking of spends (card transactions) and creation of budgets for money-saving. The app also bundles a range of offers from various merchants.
Although targeted at children and parents, the service can be used by anyone (18+ users are supported too) to get a free visa debit card which is re-loadable as per wish and usable anywhere across India, online and offline. The cards can be instantly blocked for when some theft happens. However it is not possible to withdraw money from an ATM using Slonkit Visa cards.
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