How to apply for IPPB RuPay Virtual Debit Card online– IPPB has informed its customers via their official Twitter handle that they can download the mobile banking app and generate a virtual debit card for secured digital transactions such as online shopping, utility bill payments, and ticket bookings. The IPPB RuPay Virtual Debit Card is a digital card that can be created by customers using their mobile banking app.
How to apply for IPPB RuPay Virtual Debit Card online?
1 To get started, please download the IPPB application and log in.
2 To access virtual debit cards, please select “Rupay Cards” and then click on “Virtual Debit Cards.”
3 On the following page, please select ‘Request Virtual Debit Card’. Once selected, the subsequent page will provide you with the details of your Rupay card.
4 Please check the box indicating your agreement to the terms and conditions. Then, click on ‘Continue’ and confirm your selection.
5 Please enter the One-Time Password (OTP) that was sent to your registered mobile number.
A virtual debit card will be created and the corresponding amount will be deducted from your account.
What is IPPB RuPay Virtual Debit Card?
The IPPB Virtual Card is a digital debit card that is designed for e-commerce transactions in India. It can be used just like a regular plastic card to shop online at any merchant website or online portal that accepts RuPay Cards. Customers can easily generate this digital debit card by using their mobile banking App.
IPPB RuPay Virtual Debit Card Charges
| Card Variant | RuPay Classic | |
| Daily purchase limit (e-commerce) | Minimum | Rs. 1 |
| Maximum (per card) | Rs. 5,000 | |
| Issuance charges | Rs. 25 (inclusive of GST/ CESS) | |
| Usage/ Transaction charges (e-commerce) | NIL | |
| Reissuance charges | Rs. 25 (inclusive of GST/ CESS) | |
| Annual Maintenance Charges | Rs. 25 (inclusive of GST/ CESS) | |
| Blocking/ Unblocking charges | NIL | |
IPPB RuPay Virtual Debit Card Features
The IPPB Virtual Card is a debit card designed for e-commerce transactions in India, which can be used like a regular plastic card to shop online at any merchant website or online portal accepting RuPay Cards. Customers can easily generate this digital debit card using their mobile banking app.
1. You can generate, block, or unblock your card using the IPPB Mobile Banking App.
2. Users have the ability to establish their own daily limits.
3. You can use RuPay on all e-commerce and merchant sites that accept it.
4. There are various enticing e-commerce deals such as cashback incentives for paying bills and instant discounts available.
Tokenizing Your Card Information
1. Payment aggregators, wallets, and online merchants have been directed by RBI to avoid storing sensitive card information of customers, such as full card details. This can be accomplished by using tokens in place of card details. This change will not affect the user’s card transaction experience but will enhance the security of their card transactions.
2. To ensure secure transactions, the Debit card will be tokenized at the E-commerce merchant website or mobile application. The e-commerce merchant will obtain customer consent and authenticate with an OTP prior to the tokenization process.
3. Starting on October 1st, 2022, you can either enter your full card details each time you pay or choose to use tokenization.
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