How to Get State Bank Virtual Card and Generate SBI VCC

State Bank Virtual card, also known as Electronic Card or e-Card,
SState Bank Virtual Card
State Bank Virtual card, also known as Electronic Card or e-Card,
SState Bank Virtual Card

SBI (State Bank) Vitual 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 froma regular plastic card.

What is State Bank Virtual Card?
State Bank Virtual Card is a limit Debit card, which can be created using the State Bank Internet Banking facility for ecommerce (online) transactions.
The Card can be used to shop online at any merchant website that accepts Visa Cards, without any difference from a regular plastic Card.
The Card will be issued by marking a lien on the selected account and actual debit to the account will take place only when the Card is used.

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 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 lieu on the underlying account and the amount is debited only when actual transaction using the Virtual Card is completed, successfully.

How can I create Virtual Card?
1. Login to your online banking account ( and click on “Requests” tab and select “State Bank Virtual Card” option.
2. Click on “Generate Virtual Card” tab.
3. Enter the amount and select an account which will be debited for funding (initially lien-marking and later debiting) the Virtual Card.
4. Enter the secure 8-digit password (OTP), received on your mobile.
5. After successful validation, Card image with Card No., expiry date, etc will be displayed on the screen and your Card is now created and available for e-commerce transaction.


got account request section and generate here
Click Request


Description Feature
Eligibility 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 NIL
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.


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