State Bank Virtual Card  

Virtual CardState Bank Virtual Card, also known as Electronic Card or e-Card, is a limit Debit Card created for ecommerce transactions. It provides an easy and secure way of transacting online without providing the Primary Card/Account information to the merchant.

Virtual Cards can be used at any merchant location accepting MasterCards / Visa Cards online, without any difference from a regular plastic card.

The key features of Virtual Card are as follows:


  • It reduces the risk of exposing the underlying Credit/Debit limit as the Primary Card / Account details are not communicated to the Merchant.
  • Card is valid up to maximum of 48 hours or till the transaction is complete, whichever is earlier.
  • Card creation and online transaction are authorized only after successful validation of One Time Password (OTP) sent to your Mobile during the process.

Highly Flexible

  • It enables Bank customers to pay from any of their Internet Banking enabled accounts, having transaction rights.
  • Card can be created for any amount in round rupees.
  • Card can be used at any online merchant site that accepts Debit/Credit Cards.

Easy to Use

No separate setup/installation or registration is required, any customer having internet banking facility with transaction rights can create Virtual Card.

Zero Loss

No loss of interest as the Card is generated by marking a lieu on the underlying account and the amount is debited only when actual transaction using the Virtual Card is completed, successfully.

State Bank Virtual Card description and its features
Description Features
Eligibility All INB Customers with Transaction Rights having PAN registered with the Bank can avail this facility.
Card Type Visa (may be extended to Master Card Platform)
Currency of Issue Indian Rupee only.
Minimum amount of Issue Rs.100/-
Maximum amount of Issue Rs.50,000/-
Frequency of usage (Single / Multi) Single-transaction Card
Card Acceptability At any merchant outlet that has facility for Online purchase.
Domestic / International Domestic use only. (Valid for payment in INR in India, Nepal & Bhutan)
Card Validity "As soon as transaction is completed. Or If the card is cancelled. Or Card is not used for 48 hours after creation. (whichever is earlier)"
No of cards per customer per day No limit
Issuance / Maintenance Fee NIL
Refund / Cancellation Once card is cancelled or expired, the lien marked shall be lifted and the unspent /unutilized amount will automatically be available to the customer for use.

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