Credit cards may be a good option for people to enjoy alternate cash or finance while shopping. The technology has also given way for people to steal money with the help of online hacking. It is necessary for every bank or credit card to store details in a secure location to avoid any breaches. Most of the banks prefer using their own servers in order to store information without compromising on the security.

There are a wide range of companies offering security services with the help of server management practices. It is important for people to look out for a card which is offered by a reputed bank because they would have a list of protocols to follow while managing the data in servers.

Credit cards are issued without any fuss even to teenagers in the USA. But getting a credit card in India is not easy especially if you are not in a metro city. The bank will approve your credit card application only after a few years of doing business with them (if you are using a savings account with small transactions). Sometimes banks will issue a card soon after you open a current account with them but most of the general internet users do not need a current account.

A credit is a must for an internet user because most of the online merchants (products as well as service providers) have credit cards or PayPal as their only payment methods. If you are shopping within India, you can manage with direct net banking payments, but shopping in or other US stores is impossible with Indian net banking accounts. Also domain registrars and web hosting providers will only accept cards. In this post we will talk about the various methods with which we can get a credit card in India, or the closest alternative.

1. Get a Credit Card against a Fixed Deposit in India

Banks like, Axis Bank, HDFC Bank and ICICI Bank will issue a credit card with your fixed deposit as the security. Bank’s main concern while issuing a credit card to you is – what if you fail to repay your credit card debt?

Your card will be active as long as your fixed deposit is with the bank. Usually if you put a fixed deposit of Rs. 1,00,000 – you will get a credit card with a spending limit of Rs.75,000 to Rs.80,000 depending on the bank’s terms and conditions. That is, 75% to 80% of your fixed deposit’s value. In my opinion this is the best way to get a credit card in India if your bank declined your application.

2. NetSafe Card or netc@rd from HDFC / Kotak Bank

As far as I know, these two banks – HDFC and Kotak Mahindra provide a service where you can generate a virtual credit card number using your debit card. By the time you are reading this there may be more banks providing such services. If you have an account in HDFC Bank with a debit card, go to, click on netsafe and register. Then login with your username and password you just created. Enter your amount and a virtual credit card will be generated with the limit you just chose.

For example, if you generate a card for Rs.3000, you can use that card number to buy anything up to Rs.3000 online, Also the card that you generate is only valid for 24 hours.

If you have an account in Kotak Mahindra, the process should be similar. Since I have used only HDFC Bank’s services I cannot comment much about Kotak’s netc@rd.



  • They can be used only once
  • They expire in 24 hours
  • They cannot be used for recurring payments
  • All sites are not guaranteed to accept these cards. Some sites decline it.
  • I hope you got an idea about the alternatives to a real credit card in India.