SBI Virtual Card
SBI Virtual Card is a traditional bank card issued on Mastercard, rated 6.0/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
SBI Virtual Card is the strongest fit for free issuance, and asks for ID + proof at signup — we carry it at low (state bank of india) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | SBI Virtual Card · Traditional Bank Card |
| Official site | https://www.onlinesbi.sbi |
| Best for | Free issuance |
| Network | Mastercard |
| Rating | 6.0/10 (3.0★, 569 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | None (free) |
| Minimum deposit | ₹100 (max ₹50,000 per card) |
| FX / conversion fee | Varies (bank rates) |
Verification and risk
| KYC required | Yes (existing SBI internet banking customer) |
| Risk level | Low (State Bank of India) |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (linked SBI account) |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited per day |
Billing
| Billing address | IN General |
| Billing country | India (domestic: India, Nepal, Bhutan) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
SBI Virtual Card has no BIN range of its own in our current review. It still appears on the merchant and comparison pages below through the ranges we did log, so the decline notes there are the evidence to read before you fund it.
Where to go next
Other Mastercard virtual cards
Frequently asked
What does SBI Virtual Card cost to run?
The cost lines stack like this: issuing the card is free; conversion is priced at Varies (bank rates); you need ₹100 (max ₹50,000 per card) to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for SBI Virtual Card?
SBI Virtual Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (existing SBI internet banking customer)
How can I fund SBI Virtual Card?
You can fund it with bank transfer (linked SBI account). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does SBI Virtual Card need?
Setting it up: the billing address type is IN General; cards are issued against India (domestic: India, Nepal, Bhutan); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Will SBI Virtual Card trigger 3-D Secure?
Yes. SBI Virtual Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with SBI Virtual Card?
The issuer allows Unlimited per day. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.