HDFC NetSafe Card – A Virtual Credit Card for Online Payments

Written by Chaks

Topics: Articles, Financial, News


HDFC NetSafe Card

It was about 6 years ago, I cancelled my HSBC credit card due to the in-general missing security while making the online transactions. Only Card number, Card Expiry date and CVV number were the authentication inputs for any online transaction. It was easy for anybody to commit online transactions somehow if they get access to your Card information. Two years back Reserve Bank Of India made mandate for all the banks in India to include a second layer of authentication to make online transactions secure. But this applies only to the transactions crossing Rs. 5000/-. In the recent years i am just using my debit card for physical transactions and net-banking for online transactions. For the last two years i am using HDFC bank’s NetSafe virtual cards for all my online transactions including international payments. It is very safe mechanism for doing any online payments. This article talks about how you can use your existing Debit Card or Credit Card to make an Virtual Card and also addresses few

Virtual Card Details

NetSafe: Complete Details Of Virtual Card

common concerns on using this cards.

The NetSafe Card is a virtual card that is generated through the HDFC NetSafe offering and can be used for shopping on the Internet. You need to do one time registration for NetSafe card and the registration is FREE as of now. The only requirement for creating NetSafe card is that one should possess a valid HDFC Debit Card or Credit Card.

  • NetSafe card is always act as a Credit Card, No matter how you created it  (either from Credit Card or Debit Card).
  • The NetSafe Card can be used at any online shopping website that accepts VISA/Mastercard cards.
  • Any unused amount from the NetSafe Card will be credited back to your source Credit/Debit card account.
  • The Validity period of your NetSafe card would be 24 to 46 Hours
  • If you created a NetSafe using with your existing Credit Card
    • For a completely unused NetSafe card, the amount is credited back at end of validity period
    • partially utilized, the balance amount gets credited to the source account within 7 days
  • If you created a NetSafe using with your existing Debit Card
    • the amount will be credited back in 3 working days to the source account
    • partially utilized, the balance amount gets credited to the source account within 35 days
  • The NetSafe Card is a one time use card and can be used for only one transaction on ANY online shopping site.  i.e., The single transaction is from the user side.
  • There is no risk involved in using the NetSafe card online.
  • NetSafe cards can be used only for online transactions.
  •  Always generate the NetSafe Card for the value of your purchase and Use the card immediately at your chosen shopping website.
  • As of now you can create 5 NetSafe cards per day
  • Avoid using your NetSafe Card when You will be required to present your actual plastic HDFC Bank Card to receive your purchase, including some airline and movie tickets – check each merchant’s policy carefully before you purchase!
  • Recurring charges will be automatically charged to your card. i.e., if any third party service charges would be taken from your virtual card after the main transaction completes.
  • You can also get the refunds to your source account, if the refund is made with in the Expiry date of your virtual card.

1) To use NetSafe card, you need to first register your existing Debit Card or Debit Card. This is one time activity

2) Login using your user id and password which you created in step 1. After successful authentication you will be provided the below Home page.

NetSafe HomePage

NetSafe: Home Page after Login

3. Select your card If you have registered multiple cards, enter the amount and click on “Go” button. Your virtual credit would be created for the specified amount.

NetSafe Card

NetSafe: Virtual Card

4. This virtual card has below fields

Name: Your name on the card

Card No: 16 digit credit card number

CVV2: 3 digit secret code

Expiry: Actual expiry of the virtual card. Note that the Expiry date is different than the Card validity date. The Validity would mostly between 24 to 46 hours only

Limit: The value of the card.

4. Now you will be able to use this credit card with in 24hours on any online shop including foreign transactions which requires payment in foreign currency. I used the above card to pay a client in US Dollars.

5. You can see the previous cards and their transactions when you click on the “All Accounts/Services” link in the Virtual Card image on the Home page.

NetSafe Previous Cards

NetSafe Previous Cards


There are confusions about the term “one time transaction” in the HDFC NetSafe FAQ. It meant that YOU can only make one transaction with the virtual card. Your virtual card would be in active status till card expiry (not Validity Period which is upto 46 hours maximum). Yu can also get the refunds to your source account, if the refund is made with in the Expiry date of your virtual card.




75 Comments For This Post I'd Love to Hear Yours!

  1. muskaan says:

    perfect post!! you have really given very good information about virtual credit card.. i would wish to see your comment on my website.. thanks :)

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  5. Abhinav says:

    I have a question that what happens when the merchant refund the transacted amount after 1 or 2 weeks after making the purchase????This virtual card is valid for just 1 does refund works post expiry of the virtual card.

  6. Rajan K says:

    Thought the card had expired the entry for the card would still be available in the bank database. The restriction is only for the users end. So, you would get your money back. I got the money in my earlier transactions.

  7. Majid says:


    Thanks allot i owe you! this helped me allot, and solved my issues.

    Thank you thank you thank you!!

  8. balaji t k says:

    Hi sir,

    I have to pay 20dollar($) to buy service from a website. Shall i pay by using the virtual credit card. Because the currency is in INR. but i have to pay in dollar. Please give me the details how to convert the INR to dollar in the virtual credit card

  9. Chaks says:

    Yes, you can pay. The payment gateway you use for foreign transaction would give you the total amount along with tax/service charge to be payed. Convert it to Indian rupees. Currently 1$ = Rs. 54.32/- so you need a minimum of INR 1086/- + (You might need 200/- extra for other charges) in your virtual card. Anyway the unused amount from this virtual card will be given back to your actual bank account. Your bank would do the conversion from INR to dollar.

  10. Chary says:

    Thanks a lot for providing the updates on netsafe card. Please clarify the follow:

    1) I’ve created the netsafe card xxxx1234 for worth of Rs. 1500/- can i add additional amount of Rs. 1000/ to the existing card (or) I need to create one more netsafe card for the worth of Rs 1000/ ?

    2) After few months, My merchant was refund the amount by that time my netsafe card was expired in this case how im going to get my refund amount? Is there any provision for extending the expiry date of my netsafe card?

    3) For any refund from merchant, ARe they using my sourcing card number through which i have made my payment to the merchant (or) merchant always transfer our refund to the netsafe card number?

    Appreciate all your support.

    • Chaks says:

      Hi Chary,
      1. You need to create a new virtual card. Once a card is created, you cannot alter it.
      2. Usually the exp date is more than few months which is sufficient to get the refunds. If you made a transaction using your physical card which is about to expire in another month, What happens to your refund, it is the same? There is no way you can extend the exp date.
      3. Merchant doesn’t aware of your physical card number, that is the advantage of this virtual cards. But bank maintains the relationship of your physical and virtual cards.

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  13. Lalima Gagan says:

    I have an International Debit Card from HDFC for my account and routinely use the Netsafe card for online transactions. This time I am facing a very peculiar problem. I made a netsafe card for INR 2, 000 /- but the after processing the transaction the site said “Unable to log issuer” and NO NETSAFE CARD WAS GENERATED. I wonder what that means. Also, INR 2, 000/- was cut from my account and I also received an SMS for the same. When I went back to check unused cards on Netsafe, there was no card. Now where has my money gone ??? What about the refund ??? Anyone faced this problem before ??? What’s the solution to this ???

    • manik says:

      i m facing the same problem… i created the net safe card for the first time at 11 30 pm on 6th feb… but no card is shown in my profile… what to do?

      • Abdul says:

        If the card is created successfully, you can see all the created cards by clicking on “Unused Cards” link. Sometimes the popup blocker would kill the generated virtual card. Make sure you disable popup blocker. Incase if you cannot see any cards but the amount is withdrawn, they would give that amount back in one or two days.

  14. Rajan K says:

    Once i faced similar problem but the money is refunded with in a week. You should have received it by now otherwise you may contact the bank.

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  29. jatinder singh says:

    I used a hdfc netsafe virtual card in month of march,I need a copy of that card front and back. Where can I get one.As I need one for my records.

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  31. nazmul haque says:

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  58. Vinod kale says:

    Respected Sir,
    Myself Vinod R. Kale currently using hdfc credit card. I am using it for first time and i had register myself for online transactions. But by mistakenly i had created Hdfc Net Safe Card of 50000rs limit and i was not knowing about it. So I want to know that whether it will be charged in my next bill or it will be refunded to me if i did not use that card..
    please give me reply on my mail id. I am waiting for it.

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  61. Ravi says:

    I want to know that can we use this virtual card where a credit card is required but I have only debit card . Please reply me ASAP…

    • Nitish says:

      The virtual netsafe card is ALWAYS a credit card. It doesn’t matter if your physical card is a CC or DC. This information is written above in the original post. Please take the time to read it carefully before asking questions.

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  63. Nitish says:

    I used my Netsafe Card to make payments for a University Admissions in the US. The transaction went fine. But now in the Accounts/Services tab in netsafe card. The Status still shows as ‘In Use’ and the transaction amount is not filled. Its been approximately an hour that I’ve made the tranx. Has this happened with anybody here? Is this normal?

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