SBI Virtual Card Facilities and Services

How to Create Online SBI Virtual Card:
State Bank of India provides Virtual Card Facility to its customers. You can create your SBI Virtual Debit Card through Online SBI Portal. However, you must have SBI Net Banking Facility and required Account Balance for Virtual Card. You can Create as many as Virtual Cards in a day, SBI has not put any limit in Creation of SBI Virtual Card.

SBI Virtual Card

SBI Virtual Card is an alternate of SBI Debit cum ATM Card. You can use it for Online Payment for Shopping or other purposes. When you pay through SBI Virtual Card, your transactions are completely secure. Because SBI Virtual Card comes with One Time Usage or 48 Hours Validity, whichever is earlier.
So you don't need worry about sharing your Card Number, CVV or any other detail online. Because your SBI Virtual Card will expire when you use it for Online Payment on an e-Commerce Website. Thereafter, the Card Number or CVV of your SBI Virtual Card become useless. So there is no risk of online phishing or forgery.

The Payments made by SBI Virtual Card are highly secured and verified before processing the transaction. When you proceed to pay online through SBI Virtual Card, you will receive an OTP on your Mobile Number. And the Payment is confirmed after you submit the OTP (One Time Password).

When you Create an SBI Virtual Card, you have to Set Amount of Card from Rs.100/- to Rs.50,000/-. Please note that you cannot create SBI Virtual Card more than the Amount Limit of Rs.50,000/-. The Value of Virtual Card will be displayed as "Lien Marked" in your SBI Account Details. The money will be deducted from your Bank Account when you actually pay the money through SBI Virtual Card.

So you will keep earning interest on your SBI Bank Account Balance even after creating number of Virtual Cards on it. Nobody can use your SBI Virtual Card although they know your Card Number and CVV. Because the Payment Transaction will be completed after OTP Verification with your Registered Mobile Number.

Sometimes you receive the OTP late while making payment through SBI Virtual Card. If you enter Wrong OTP for three times, SBI will Block your Virtual Card instantly. Then you have to Unblock SBI Virtual Card by Logging in to SBI Online Portal at www.onlinesbi.com. After Unblocking, you can again use your Virtual Card for Online Payment.
SBI Virtual Card is completely free of cost, you can Create, View, Use and Cancel your Virtual Card at anytime. State Bank of India does not charge anything for Cancellation of SBI Virtual Card. But the "Lien Marked" Value Amount of your Virtual Card will be credited/refunded to your Bank Account within prescribed time.

If you don't use your SBI Virtual Card within 48 hours of creation, it will get expired and the money will be refunded back to your Account. In case you have any issue with your SBI Virtual Card, you can contact Customer Care Number 1800 102 8724. SBI Virtual Card Helpline Number is Toll Free from all Mobiles and Landline Phones.