How to Create SBI Virtual Card – Complete Guide

State Bank of India SBI Virtual Card

The cyber attacks on Banking websites are increasing day by day. To tackle this problem most of premium banks come with the idea of Virtual Cards. State Bank of India is one of such banks who allow the user to create Virtual Cards for their online payment protection. SBI Virtual Card is for temporary use.

SBI virtual card

The creation of the SBI Virtual card can be done from the official SBI website. I.e. It is easy to create and also a convenient option for a user who is worried about privacy. Note down that SBI virtual Card is one type of debit card, Not a credit card. It is useful for only online payments, Not offline payments. 

When you create a virtual card, you need to select your account number from which the amount will be debited. When you shop with your virtual card, the amount will be debited from your account. SBI Virtual Card is one type of E-card (electronic Card). Temporary credit card number created with the help of And this number is used against use of Debit card.

Benefits Of State Bank of India SBI Virtual Card

  • It allows the user to protect their actual debit card
  • Fraud related activities can be stopped
  • Protection against Hacking
  • Protection against phishing attack
  • Useful where VISA or Mastercard payment is accepted
  • Great security
  • Free of cost issued
  • The transaction can be done without providing the primary card/account information to the merchant.

Terms for using State Bank of India Virtual Card

  • Only SBI customer is allowed to create SBI virtual card
  • The transaction will be done in the Rupee currency
  • Only used in Online transactions
  • Useful only in India, Nepal, Bhutan
  • Only used for one transaction

Steps To Create a State Bank of India Virtual Card

Step 1: Go to the SBI Official website. i.e.

SBI official website

SBI official website

Step 2: Log in to your account with your username and password. You can use a Virtual keyboard for your protection.

Step 3: Now Go to E-Card Option. Select the E-card Option.

create SBI Virtual card

Step 4: Now go to Generate virtual Card Option.

Step 5: Now enter the amount in option. The amount will be used in an online transaction when you do transaction. You need to select an account from which the amount will be debited against your virtual card transaction.

Step 6: On the next selection, you will receive OTP for creation of a Virtual Card. VAlidate it with your OTP.

Step 7: Now your SBI Virtual card is ready to use. You can use for your next transaction.

Remember: when you create state bank of India virtual card, a certain amount will be blocked in your account. The unused money will be credited to your account. Insuregrams other article on SBI HRMS is available on a website.