450911 VCC - India Visa Virtual Card Review
Best hit rate in our run: Steam, Google Play, App Store. Timestamps in the log, no retries needed.
If you have a Visa card from ICICI Pockets that starts with 450911, this page is about your card. Country of issue is India, product class is Credit.
What the six digits say
- BIN
- 450911
- Card network
- Visa
- Issuing country
- India
- Card type
- Credit
- Issued by
- ICICI Pockets
- Card form
- Virtual only
- KYC tier
- Minimal KYC
- 3-D Secure
- No
- AVS check
- No
- Billing address
- IN General
- Funding methods
- Alipay / WeChat · Bank transfer
- Max cards per account
- 1 virtual card
- Issuer risk rating
- Medium-High
What it costs to run
Pricing, laid out: no issuance fee to open a card, no top-up fee every time you fund it, and no FX markup on conversion. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free (with Pockets account) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 32 | 29 | 91% | cleared first time; a second charge a week later also went through |
| Google Play | 26 | 22 | 85% | cleared first time; a second charge a week later also went through |
| App Store | 20 | 16 | 80% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Tidal | 13 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Hulu | 11 | 4 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a India-region account between 29 Jul to 19 Aug 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
Failures were rare but real: Tidal declined on three attempts, and we never did get it through.
What to change before you retry
- Tidal: 0 of 13 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
- Hulu: 4 of 11 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Practical notes
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Set the billing address to exactly what ICICI Pockets generates for India. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- Alipay and WeChat top-ups are supported, which makes this one of the easier ranges to fund without touching crypto. Keep individual top-ups small while you are testing.
Where we land
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. Treat the numbers here as a snapshot of 3 weeks, not a permanent rating.
BIN questions, answered
What does the 450911 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 450911 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 450911 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Credit card ICICI Pockets issues in India carries the same six digits. Two people on 450911 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a ICICI Pockets card, funded it, and pushed 102 charges through live merchant checkout pages between 29 Jul to 19 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 71 cleared.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 13 Sep 2026 14:40 UTC · rate last re-checked 21 August 2026 · 102 charges on record for this range.