How to Create SBI Virtual Credit Card?

Reviewed by:
On May 16, 2015
Last modified:May 16, 2015


In order to generate SBI virtual credit card, you’ll need to have access to the SBI online banking. Follow the below steps carefully to get your VCC for free.

1.First of all, login to your SBI online banking using your credentials.

2.Once logged in, click on the ‘e-Cards’ option found in the menu bar.

3.You’ll then be given an option to create a virtual credit card. If you’ve multiple SBI accounts, select the one from which you wanted the amount to be debited to use with your VCC.

4.Next, in the ‘Virtual Card Limit’ text box, enter any amount starting from Rs.100 to Rs.50,000.

5.Checkmark the option that says ‘I hereby agree and accept the Terms and Conditions for usage of State Bank Virtual Card’ & then click ‘Generate’ button.

6.On the next page, you’ll be asked for a final confirmation. Click on the ‘Generate’ button again.

7.You’ll now receive an OTP or one time password on your registered mobile number. You can trust this as it officially comes from the SBI. Type the OTP into the text box and click ‘Confirm’.

8.Following this confirmation, a virtual credit card is generated for you. It resembles the real credit card and comes with the following details

Name of the card holder
16 digit VISA card number
Amount limit
CVV number
Expiry date

That’s it! You’ve now successfully created SBI virtual credit card for free.

validity of these cards is 24 to 48 hours or till a single transaction is completed