Generate your Virtual VISA enable e-Card Instantly using State Bank of INDIA(SBI)

Have you came across the situation where you were not able to do online transaction where there is only option of VISA/MASTER credit card/debit card and there is no option for Internet banking. Here I am going to tell you how to create instant VISA card that is compatible for online payment where merchant website accept VISA/ MasterCard Debit Cards as a payment option (payment in Indian Rupee).This card is exactly same as physical  Plastic card but it will be virtual in nature.The Card will be issued by marking a lien on the selected account and actual debit to the account will take place only when the Card is used.

State Bank of India (SBI) has formulated this method to generate VISA e-card using ONLINE banking.
Without talking more lets have steps to generate VISA enable e-card
Steps to Generate Virtual VISA e-card


1) Login to your online banking account (www.onlinesbi.com) and click on "e-cards" tab and select "State Bank Virtual Card" option.
2) Click on "Generate Virtual Card" tab.
3) Enter the amount and select an account which will be debited for funding (initially lien-marking and later debiting) the Virtual Card.
4) Enter the secure 8-digit password (OTP), received on your mobile.
After successful validation, Card image with Card No., expiry date, etc will be displayed on the screen and your Card is now created and available for e-commerce transaction



How to use this Virtual e-card


1) Select required goods / services on merchant website
2) Select State Bank Debit Card / Visa Card from the payment options.
3) Enter the Virtual Card details on the website.
4) Enter your secure 8-Digit password (OTP), received on your mobile.
5) After successful validation, you will receive SMS on your registered mobile confirming the transaction.
After the transaction, the Card will be de-activated and cannot be used again.


More secure :
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 a maximum of 48 hours or till the transaction is complete, whichever is earlier.
as Card creation and online transaction is authorised only after successful validation of One Time Password (OTP) sent to your Mobile during the process.

Highly Flexible :

1. It enables Bank customers to pay from any of their Internet Banking enabled accounts, having transaction rights.
2. Card can be created for any amount, from Rs. 100 to Rs. 50,000 (Round rupees)
3. Card can be used at any online merchant site that accepts Visa Cards.
4. No, the Card is one-time/single-use card and cannot be reloaded/ topped up.

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 :

1. No loss of interest as the Card is generated by marking a lien on the underlying account and the amount is debited only when actual transaction using the Virtual Card is completed, successfully.
2. Card is one-time use Card and will get de-activated once used successfully.On cancellation, the lien will be released. (However, it may take few minutes in some cases).
3. You can cancel/deactivate card Yourself and the lien amount will be credited back to your account
4. You can use your Virtual Card for partial amount, provided the amount is below the Card value.After utilizing partial amount of this card the rest remaining amount will be released back to your account after card gets deactivate

For more FAQs click here