Your Netsafe Card for Online Shopping
Many of us have a fear of fraud while using our Credit/Debit Card for online shopping – it may be stored at the merchant website or it may be charged extra, etc.
Most of the merchant sites are still not accepting Debit Cards. You can’t think about online shopping if you are not having any Credit Card and your friend is not interested in giving his/her Credit Card number 
Students can’t own a Credit Card, as they are not eligible to have it, then what should they do for purchasing a domain, for web hosting or buying gadgets at e-bay.
Virtual Credit Cards play a great role in this scenario, as using them is easy and they are safe and secure. Most of the banks are now providing such kind of services. I am using the HDFC NetSafe Card for two years. It is very convenient and safe and till now I didn’t have any problem with it. So I would like to share it with Devils Workshop.
What is a Netsafe Card?
NetSafe is a unique kind of Virtual Credit Card service by HDFC Bank, that offers complete security while shopping on the online merchant sites, without revealing your actual HDFC Bank Credit/Debit Card details. You can decide the NetSafe Card limit according to your useage, and it can be used one time only at one merchant site.
How Does It Work?
This service is free. The only thing is that you should have an HDFC Credit/Debit Card for it. You can get a Debit Card simply by opening a regular savings account with the HDFC Bank, then register your Credit/Debit Card for NetSafe service on the HDFC Bank website.
You can then generate a NetSafe card and use it for online shopping only. The limit of the card is the amount set by you. The purchase will appear in your statement just like any other transaction. NetSafe card is valid for maximum 48 hours and after which the unutilized amount will be credited back to your Credit/Debit Card account. If you don’t want to use the card, you can cancel it, and the amount will be credited back to you.
HDFC Bank has a very good Video Demo about NetSafe card: Netsafe Demo
Link: HDFC Bank Netsafe Card
(Editors Note: This guest post is by Aashish Kumar Mahaswary. He is about to start his first blog at rcanblog.
If you too like to write for Devils Workshop, please check this. Details about our revenue sharing programs are here.)
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I guess even paypal a/c can be verified using such netsafe cards by HDFC..
Anyone ever tried it out?
@Deepak
Ya we can use this during verifying PayPal, but according to their policy it should be real one.
you can use your debit card for paypal verification
@Deepak @AKM
Did you guys forget that this card is valid only for 48 hours, so I think you should not use it with paypal.
I think b2 account is wise idea: http://www.devilsworkshop.org/use-and-verify-paypal-without-credit-card-legal-method/
The video is very bad in that it does not explain anything in clear, everything is running very fast, no one can follow it unless trying it.
@ Rahul,
Did you forget to introduce AKM to us?
@Pavan
We have a new Editor here at Devils Workshop.
I just updated all posts of AKM to reflect his introduction.
@Pavan
>I am Aashish K Mahaswary aka AKM, I am freelance software engineer, my area of interest is opensource products.
>We can verify paypal with NetSafe Card, but i don’t know this is legal or not. I raised a support ticket to PayPal about it. I will post it , when i will get reply from them.
>I am using NetSafe for two years, let me know where you are not clear about the process.
Well, what I thought is b2 account discussed here would be more convenient for the one who does not have an account with hdfc. I think the initial deposit and all are little higher for hdfc than nationalized banks. I will think of it when I really need for more regular and repeated transactions.
Well, nice to see you here Aashish
Great post Aashish, most of Indian blogger never buy a host because of payment method..
VCC is one of the best way to get rid of any issue while payment. Though I never used it with paypal but for regular payment it is very good.
Online shopping very popular way to purchase everything i.e. cloths, shoes, furniture and appliances. There are no crowds to contend with and it’s convenient. Shop as and when you want, instead of when a store is open. Additional benefits of Online shopping are price comparisons and reviews by many purchasers about products and merchants. However, the Internet has unique risks. It is very important to take protective steps when you Online shopping.
I have written a post on verifying PayPal with Virtual Credit Card
http://rcanblog.com/paypal-verification-with-virtual-card-40/
Hello All,
Beware of HDFC Netsafe Card. Your money could get stuck for 3 to 30 days. They have this information in fine print.
I just xfrd 10,000 to my virtual card and if I decide to shop for 2,000/- now, my 8,000 will get stuck for 30 days. If I do not shop at all, my 10,000 is stuck for 3 days (5 days according to Cust Care Rep).
This is ridiculous as my money is stuck now!!!
Quote from HDFC FAQs:
What happens if I do not use the NetSafe Card at all or if I use only part of the NetSafe Card amount?
For a completely unused NetSafe card created from your Credit Card, the amount is credited back at end of validity period. For Netsafe cards created from your Debit Card, the amount will be credited back in 3 working days to the source account.
In case the NetSafe Card was partially utilized, the balance amount gets credited to the source account within 7 days (for Netsafe Card created from Credit card) or at the end of 35 days (for Netsafe card created from Debit Card) from the date of transaction.
- Unquote from HDFC FAQs.
Worst is Credit Card amount which gets credited back only at the end of validity period!!! Shame on the policy!
What HDFC can do is give the users the option to how long do they want to keep the selected amount in virtual card.
I called up immediately and was hung up thrice by your reps. Have already given feedback at HDFC website Feedback form.
I have been using Netsafe Card for the last four years. But stopped it. Now it just does not work exactly when you need it. Without going into details what I can just share is- to the point communication with the bank yielded only one thing- few links of their netsafe webpage. And afterward- refusal to help. No one at the bank branches know anything details about it and the help centers are hopeless. Finally, I had to scrap the idea of using netsafe anymore. It is like death of a nice product just for few incompitent HDFC bank workers.
As a student I am facing lots of problems to verify my paypal.Can I use SBI YUVA?