How to generate State Bank Virtual Card (SBI e-Card)

SBI introduced virtual card for SBI net banking users. Other banks may also be providing Virtual Card, because I have listened about virtual card before SBI. Virtual card, by all the banks may be working the same way.

A virtual card is also known as Electronic Card or e-Card. Virtual card gives an extra layer of security for your credit or debit card. It works the same way as real debit or credit card works but it is virtual (not physical). And your actual card (plastic card) info will be safe from merchants. Virtual card has only card number so it is secure and makes your real card secure. There are some of the information about this card.

Advantages for using State Bank Virtual Card

• Virtual Card provides an easy and secure way of transacting online without providing the Primary Card/ Account information to the merchant.
• It reduces the risk of exposing entire Credit/ Debit limit/ as the Primary Card/ Account information is not communicated to the merchant.
• Card is valid for a Max. of 48 hours or till the transaction is complete.
• The amount is debited only when actual purchase, using the Virtual Card, is completed successfully.

State Bank Virtual Card Creation / generation:

Step 1: Visit SBI Internet Banking (https://www.onlinesbi.com/) and click on Login of Personal Banking.

Step 2: Login on using User Name and Password (Advisable to use Online Virtual Keyboard).

Step 3: Click on “e-Card” tab and select “State Bank Virtual Card” option.

Step 4: Select the appropriate Account No. from the list and enter the amount for which you want
a State Bank Virtual Card. Accept the Terms & Conditions and click on Generate.

Step 5: Verify Card Holder Name, Debit Account No. and Virtual Card Limit. On re-verification of particulars/values click on Generate and in case of any error click on Back for correction.

Step 6: Click on the specific Card No. which you want to view. On click the complete Card details viz. Name, Issue Date, Expiry, Merchant Name, CVV2, Limit Amount, Status, Source Account No. will be displayed on the screen.

How to Cancel generated/created State Bank Virtual Card:

Step 1: Visit SBI Internet Banking (https://www.onlinesbi.com/) and click on Personal Banking.

Step 2: Login on using User Name and Password.

Step 3: Click on “Requests” tab and select “State Bank Virtual Card” option.

Step 4: Click on Cancel Virtual Card. Select the Virtual Card and click on Cancel.

Step 5: Verify the Virtual Card No. you wanted to cancel and click on OK.

Step 6: Confirmation message “Your Virtual Card number 466XXXXXX462 has been successfully cancelled.” will be displayed on the screen and the blocked amount will be credited back to the account, within an hour.