Is SBI Virtual Card Not Worthy?- See All Features(Benefits), Apply(Create)/Cancel & More

SBI Virtual Card is a type of debit card which we use for e-commerce transactions. We also call this virtual card an Electronic card and an E-card of SBI. This card gives you the facility to do money transactions securely. If you use this debit card then you do not need to use your primary debit card online.

So, in this article, you will learn everything about SBI Virtual Card like Features(benefits), charges, How to make & How To cancel(step by step process). If you will not complete this article, then you miss a lot of information about this SBI Virtual card. So read this 5 minutes article & Get genuine knowledge about this SBI E-Card.

FEATURES OF SBI VIRTUAL CARD

• This E-Card increases your security level in daily transactions.
• Once you activate the Virtual Debit Card, it remains active for a maximum period of 48 hours. If you are not able to use it within 48 hours, then it gets deactivated automatically.
• If you have created SBI Virtual Card then you do not need to share the details of the primary debit card online.
• You can also use this virtual debit card where an online debit card is accepted.
• If you have transferred your money to a virtual debit card and you do not use that money then that money will come back to your bank account.

BENEFITS OF SBI VIRTUAL DEBIT CARD

• You do not need to pay extra money to create SBI Virtual Card.
• You can create this virtual card through internet banking. You can create an amount in Road Rupees through this virtual card.
• To use this card, you do not need to install anything separately or register it anywhere.
• You can do a maximum online transaction of up to 50 thousand through this virtual card.
• Wherever Visa and MasterCard‘s Debit cards are accepted, you can do online transactions with the help of this virtual card.

HOW TO CREATE A SBI VIRTUAL CARD(Step by Step Process)

• First of all, you have to go to the website of SBI Internet Banking.
• You can log in thereby giving a username and password. If you don’t have a username & password, Click & Read this article & make a for you.
• After that, you will see the E-card tab button at the top, click on it.
• After clicking on the e-card, you will get an option to Generate Virtual Card, click on it.
• After that, you select your account from which account you want to transfer money.
• Whatever amount you want to transfer, you fill that amount there.
• After that, You can check by clic1king on the box of terms and conditions. After that, you click on generate button.
• When you will click on generate a button that you will be asked some questions for verification. You can verify yourself by feeling that question.
• When you complete your verification process, SBI will send you an OTP on your mobile number.
• You fill that OTP there and click on Confirm button.
• When you complete all this process, then you will see the all details of the virtual debit card on your screen.
• Now you can use that SBI virtual debit card for e-commerce transactions & more.

Also Helpful: 2 Simple Ways To Activate Debit Card in 5 Minutes(Step By Step Process) 

HOW TO CANCEL SBI VIRTUAL CARD

If you want to cancel SBI Virtual Card from certain regions, then you can cancel by following the steps given below.

• You have to go to the internet banking website of SBI.
• There you have to log in by entering your username and password.
• At the top, you will see an e-card tab, click there.
• After that, you have to click on SBI Virtual Card.
• After that you will see the option of ‘Cancel’, then you have to click on ‘cancel’ the virtual debit card there.
• As soon as you click on the Cancel button, you will have the option of Verify button.
• By clicking on the Verify button, you have to verify that you want to cancel this virtual card.
• After that, you will get a confirmation message on this screen that your virtual debit card has been cancelled.

Note: The amount of money you had when you cancel the virtual debit card. All that money in a virtual debit card will be transferred to your bank account.

SOME IMPORTANT POINTS TO KNOW-  SBI VIRTUAL CARD

• Your PAN card must be registered to your SBI Bank to generate SBI Virtual Card.
• You can send this virtual card only to Indian Rupees.
• You can send a minimum of Rs 100 on this card and a maximum of Rs 50 thousand.
• You can use only one virtual card for transactions at a time.
• You can use this card only in India and International only in Nepal and Bhutan. Apart from this, you cannot use this card anywhere else.
• You Can Create Multiple SBI Virtual Cards Within one day.
• When you create this card, you do not need to pay any separate maintenance for it.
• Once your virtual card expires, you cannot use that card again.

CONCLUSIONS

SBI launched this e-card basically for e-commerce, Whenever you do an eCommerce transaction, you must create a virtual card. You can use this card only in India, Nepal and Bhutan.

So, the main question you have is that Should you buy This Card?

In my opinion, If you do e-commerce transactions frequently. you should buy this card but if you need a debit card for another purpose. this e-card may not be helpful for you.