Does HDFC or ICICI offer a Virtual Debit Card?

71°
Deal Newbie
RJ_

Hi,

I rely completely on credit cards for all my purchases and don't use the debit card at all, but still need it for the UPI registration. That's where the virtual card is a saviour, but not all banks offer it for their regular savings accounts. Has anyone ever seen or applied for a virtual card for HDFC or ICICI Bank? Please exclude the Instant/Online/ASAP bank accounts from consideration.

Thank you.

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
9 Comments  |  
7 Dimers
  • Sort By
Hunk Hunk
Link Copied

Screenshot2024-03-23-20-59-00-08bd8932927c2f663c8dc6336174633324@Watcher only this much info is there
Deal Cadet Deal Cadet
Link Copied

For UPI registration, you can use Aadhar I guess. I read somewhere that a debit card is not required now for UPI registration

Deal Newbie Deal Newbie
Link Copied
Yes they have been saying that since forever now, but still all the banks have not implemented it properly. SBI allows you to use Aadhar, but only when you have a valid debit card, Axis wasn't allowing it since last month but they offered me a free debit card so that was settled anyways.
View 1 more reply
Deal Subedar Deal Subedar
Link Copied

ICICI and HDFC don't have virtual debit card.

Hunk Hunk
Link Copied

Nowadays, debit cards are not compulsory for upi registration. Aadhar based authentication is also there for users with account with no debit card. Personally did for central bank of India, works fine.

Deal Newbie Deal Newbie
Link Copied
Yes, it depends on the bank and the UPI app too. Till last month, I had been using my Axis Bank account without any debit card since 4-5 years and it didn't allow me to register on any UPI app. I surrendered my SBI debit card too last month and before applying for the virtual debit card, gave a shot if SBI gives the option of Aadhar Authentication, but naah.
But I just checked now, IndusInd bank is giving that option on Paytm, but not on GPay (which is anyways slower to adapt new features anyway). Hopefully this gets normalized soon.
Benevolent Benevolent
Link Copied
In ICICI u can see debit card details thru netbanking.
but only virtual dc is not there, as they put 16 boxes grid at the back side of dc which have unique numbers. These numbers are asked at various times as 3rd factor of authentication.
Deal Cadet Deal Cadet
Link Copied

HDFC offer virtual debit card for mastercard and visa

I personally used this to create virtual master card and purchase from aliexpress before 2020

Google netsafe hdfc

replyuser
Click here to reply
Reply