State Bank Virtual Card

State Bank Virtual card, also known as Electronic Card or e-Card, is a limit Debit Card created for ecommerce transactions. It provides an easy and secure way of transacting online without providing the Primary Card/ Account information to the merchant.

Virtual Cards can be used at any merchant location accepting MasterCards / Visa Cards online, without any difference from a regular plastic card

The key features of Virtual Card are as follows:
  • 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.

  • Card creation and online transaction are authorised only after successful validation of One Time Password (OTP) sent to your Mobile during the process.

Highly Flexible
  • It enables Bank customers to pay from any of their Internet Banking enabled accounts, having transaction rights.

  • Card can be created for any amount in round rupees. Card can be used at any online merchant site that accepts Debit/Credit Cards.

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
  • 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.

Detailed Product Features:


All INB customers with Transaction Rights can avail this facility.

Card Type

Visa (May be extended to MasterCard Platform)

Currency of Issue

Indian Rupee only.

Minimum amount of Issue

Rs. 100/-

Maximum amount of Issue

Rs. 50,000/-

Frequency of usage (Single / Multi)

Single-transaction Card

Card Acceptability

At any merchant outlet that has facility for Online purchase.

Domestic / International

Domestic use only. (Valid for payment in INR in India, Nepal & Bhutan)

Card Validity

As soon as the transaction is completed. Or If the card is cancelled. Or Card is not used for 48 hours after creation. (Whichever is earlier)

No of cards per customer per day

No limit

Issuance / Maintenance Fee


Refund / Cancellation.

Once card is cancelled or expired, the lien marked shall be lifted and the unspent / unutilised amount will automatically be available to the customer for use.

For more information, contact: State Bank Helpline at 1800-102-8724 (Toll Free) or email your request to