Get a virtual credit card for safe and rewarding online shopping

Virtual credit cards enhance usability, allowing customers to enjoy the rewards and security of traditional credit cards. While some issuers may charge fees, others offer virtual credit cards for free. These cards also offer unmatched safety, reducing the risks of theft or fraud.

But what is a virtual credit card? Let’s understand and explore its key features.

What is a virtual credit card?
 

A virtual credit card is just like a physical card, with a unique card number, expiration date, and CVV, but without any physical form. UPI compatibility makes virtual credit cards in India ideal for all online payments.

Some of the key features of these cards are –

1. No physical existence, making it harder for fraudsters to access your card details
2. It is an instant credit card available immediately after approval
3. Easy to apply for and block when needed

How to use a virtual credit card?
 

Using your virtual credit card is simple -

1. Enter the card number and expiration date
2. Receive and enter the OTP for verification
3. Make the payment

Additionally, you can use it at NFC-enabled POS machines. You can also link them to your UPI app for seamless payments via QR codes.

How to get a virtual credit card?
 

IDFC FIRST Bank offers an attractive virtual credit card option with its FIRST EA₹N Credit Card. This instant credit card is backed by a fixed deposit (FD) having a minimum value of ₹5000 and is therefore quickly approved. Follow these steps to apply for FIRST EA₹N Credit Card -

1. Register your details and verify them on the IDFC FIRST Bank website
2. Create a Fixed Deposit (FD)
3. Furnish your KYC documentation
4. Receive your FIRST EA₹N Credit Card approval

Why the FIRST EA₹N Credit Card?
 

There are several compelling reasons to choose the FIRST EA₹N Credit Card as your virtual credit card. Some of them are -

1. Credit limit matches 100% of your FD value
2. 100% cashback up to ₹500 on your first UPI transaction done within 15 days of card creation through any UPI app
3. 1% cashback on every transaction via the IDFC FIRST Bank Mobile App and 0.5% cashback on other UPI app spends
4. A 25% discount of up to ₹100 on Paytm movie ticket bookings
5. Acceptance by over 60 million merchants, providing a credit period advantage
6. Lost card liability cover of ₹25,000 and personal accident cover of ₹2 lakhs
7. Complimentary roadside assistance of ₹1399
8. A fully digital card that eliminates risks of loss or theft

Spending in the virtual world
 

Enjoy the benefits of rewards, extended credit periods, and cashback with the added safety of a virtual credit card. Make the most of your digital transactions with the FIRST EA₹N Credit Card — apply today!