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e-shopping.... How to ?

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  • #1

    e-shopping.... How to ?

    e-shopping.... How to ?

    Need some things to buy but not available in local market or available at higher rate .
    Then the answer is eshopping .

    But how to ?

    For ex . I found some led's for bikes on ebay at very cheap rates than in local market , but when i tried to pay the money for them paypal arrives with 2 ways either pay by logging into paypal account or as a guest .
    Though paypal says debit card can be used but it keeps rejecting every debit card i entered with both ways creating account at paypal or trying them as guest .
    So with several phone calls to card cells & visit to local branch , what i found is "Indian debit card's can't be used for online shopping . As per the RBI rule ."
    There is no problem if you have credit card .

    But as i have complete my BE last year & preparing for govt. exam's , in short in a struggle mode . So i don't have credit card . So while searching for alternative way , i found that some bank's in india provides virtual credit cards , which are useful for online shopping .

    1) Central Bank of India

    There are 2 types of virtual credit card Rev Master Card & Gift Card
    But there are no details about rev master card on cetral bank of india web site also the rev virtual card web giving 403 error so i thinks its ended https://www.revvirtualcard.co.in/
    There is mentioning for gift card on central bank of india web but no details about charges , requirements etc. https://www.centralbankgiftcard.co.i...?ActiveID=1072
    The local branch here have no idea about gift card . Only one thing they told is , it is not arrived in our branch yet .

    2) HDFC Bank

    Virtual credit card by HDFC bank are called as Netsafe . Online Credit Card Payment | HDFC Bank - Virtual Credit Card, Secured Visa Credit Card, Safe Online Shopping One can create unlimited Netsafe cards if he/she has an account with a debit card in HDFC bank.
    Upon checking for the details of documents required to create new account in HDFC bank branch here , they provided info about various facilities HDFC provides & how it is useful & blah blah .... but you need to maintain atleast 30000 per month in account & atleast 1 swap of debit card in 3 month .


    3) ICICI Bank

    ICICI bank's virtual credit card is an add-on visa credit card issued to on primary credit card .
    By logging into Infinity account customers of ICICI bank can create virtual credit cards . https://infinity.icicibank.co.in/Login.jsp

    4) Axis Bank

    Axis bank's virtual credit card is known as Eshop card . User having credit card can create it .
    Axis Bank | eShop Card

    5) Kotak Mahindra Bank

    Virtual credit card by Kotak Mahindra Bank is known as Netcard. Gold Net Cards | Gold Visa Debit Cards | Bank Gold Visa Debit Cards |Universal Acceptance
    No branch here .


    This is what i found so far , if anyone knows more please share it .

    Mod's if this topic won't gonna help other members then trash it . I putted this to get some info & share the info i found . If there is any typing mistake or punctuation error i am sorry for that .
    Tags: None
  • #2
    Discussion approved.
    (Been There Done That) x 3.25

    Comment

    • #3
      Originally posted by sunilg View Post
      Discussion approved.
      Thanks for the approval .

      Comment

      • #4
        Dont know about the virtual credit cards... But one of my friend has used his Axis bank debit card on Paypal...

        Comment

        • #5
          Originally posted by abhinavsri01 View Post
          Dont know about the virtual credit cards... But one of my friend has used his Axis bank debit card on Paypal...
          VeryHipHop also told me axis bank debit card supports paypal , but on there website paypal is not in list Axis Bank | Debit Cards - Verified By Visa Merchant List
          Also local branch officers are not sure about it . But will check with them again .

          Comment

          • #6
            Originally posted by Above_All View Post
            e-shopping.... How to ?


            2) HDFC Bank

            but you need to maintain atleast 30000 per month in account & atleast 1 swap of debit card in 3 month .
            Arey yaar,you took it wrong.

            You need to open an account with just Rs10000/- and they give debit card at the same time.
            Ask for a VISA DEBIT CARD
            Opening an account is an instant process,you just deposit the amount and they make an account and give you a kit.(It contains debit card,pin,etc)
            Then You go to Hdfc netsafe and register your card and you are done.

            Go ahead and make any no.of virtual cards,also you can use that Rs.10000 !!!

            Remember-You should give spaces between after every four numbers in the credit card input bx otherwise you get an error in paypal's website.

            Comment

            • #7
              Originally posted by shoeb2015 View Post
              Arey yaar,you took it wrong.

              You need to open an account with just Rs10000/- and they give debit card at the same time.
              Ask for a VISA DEBIT CARD
              Opening an account is an instant process,you just deposit the amount and they make an account and give you a kit.(It contains debit card,pin,etc)
              Then You go to Hdfc netsafe and register your card and you are done.

              Go ahead and make any no.of virtual cards,also you can use that Rs.10000 !!!

              Remember-You should give spaces between after every four numbers in the credit card input bx otherwise you get an error in paypal's website.
              I got call from HDFC head office & they also said its 10,000/- , But now i don't wanna put that much money as in comparison our nationalised banks 1000/- rupees account .

              Have got net banking service activated by Maharashtra Bank & found these two web sites saying they can make virtual credit card after we add money there with our net banking .
              Send Money to Your Paypal Account. Without a Credit Card.
              Entropay, a subsidiary of Nium
              https://www.entropay.com/entropay-fees-straightforward-charges-no-surprises
              Entropay, a subsidiary of Nium

              Anyone have any idea about them then please share .

              Comment

              • #8
                But you can remove the entire amount the same day.
                They just want to make sure the account opener is capable of having atleast 10000Rs..
                I don't recommend using the websites you mentioned,they can be fraud or have very high usage charges.
                Better use a HDFC Net-safe.

                Did you try using your card ? Make sure you enter spaces after every 4 nos.

                And regarding RBI's new regulations : You need a pan card to recieve monery and not for spending money .

                Comment

                • #9
                  Originally posted by Above_All View Post
                  "Indian debit card's can't be used for online shopping . As per the RBI rule ."
                  I use my normal SBI maestro ATM-cum-debit card for my purchases from ebay. It gets through the payment gateway and the order is booked. No issues.

                  Comment

                  • #10
                    Originally posted by shoeb2015 View Post
                    But you can remove the entire amount the same day.
                    They just want to make sure the account opener is capable of having atleast 10000Rs..
                    I don't recommend using the websites you mentioned,they can be fraud or have very high usage charges.
                    Better use a HDFC Net-safe.

                    Did you try using your card ? Make sure you enter spaces after every 4 nos.

                    And regarding RBI's new regulations : You need a pan card to recieve monery and not for spending money .
                    Remove whole amount on same day ? Is it not needed to maintain balance ? No Fine ? Cause normally in nationalised bank we need to maintain 1000 rupees , if balance goes lower than 1000 then deduction starts .

                    Originally posted by vickks View Post
                    I use my normal SBI maestro ATM-cum-debit card for my purchases from ebay. It gets through the payment gateway and the order is booked. No issues.
                    Have you done anything like verified by visa needed for visa card .
                    Cause i have a central bank of india's maestro atm card but paypal rejects it .

                    Comment

                    • #11
                      I had a doubt incase product bought on eay is faulty and seller offers a refund, is it possible that the amount will get credited back to the virtual credit card and then back to our account, as HDFC site says that netsafe is a on time use virual card after which its not valid, then what happens in the case of refund.

                      Edit- If this helps anyone I did get refund after a month when my deal didn't go through paypal.
                      Last edited by harishmenace; 06-23-2012, 02:45 PM.
                      sigpichttps://www.facebook.com/profile.php?id=1789170419

                      Comment

                      • #12
                        I am so tempted to buy a credit card only to buy online!!!

                        GOd save me from the "Debt Trap"
                        Vikram.....

                        http://vikramDixit.blogspot.com...


                        sach kadwaa hota hai .. ;)

                        Comment

                        • #13
                          Get the ICICI credit card. Get the card guard insurance.
                          Self set your spending limit by calling up the call centre and forget the rest.
                          Super CommuTOURer� - Talk less, Ride more

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                          #Give thy opinion, write em, dont throw em
                          #Everyone errs, accept it, defending/cribbing about it only makes it worse
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                          #Be kind in your choice of words, you never know who would make you gulp em
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                          • #14
                            kotak mahindra allows virtual credit cards
                            CRAP Blog

                            Comment

                            • #15
                              Originally posted by Above_All View Post
                              Remove whole amount on same day ? Is it not needed to maintain balance ? No Fine ? Cause normally in nationalised bank we need to maintain 1000 rupees , if balance goes lower than 1000 then deduction starts .
                              You can have upto 0 balance, but you should make sure you have a quarterly average balance of 10K.

                              For example
                              if you had 20K in your account from Jan1 till Feb 15 (45 days) now you can withdraw that 20k and enjoy 0 balance in your account for next 45 days in that quarter.
                              20K * 45days = 9L/90days = 10K per day. Hence average balance is maintained for that quarter.

                              typically the average is nothing but : sum (everyday closing balance) /no of days

                              Originally posted by satyenpoojary View Post
                              Get the ICICI credit card. Get the card guard insurance.
                              Self set your spending limit by calling up the call centre and forget the rest.
                              OP is unemployed and hence the chances of getting a credit card is not there.
                              Originally posted by Above_All View Post
                              But as i have complete my BE last year & preparing for govt. exam's , in short in a struggle mode . So i don't have credit card . So while searching for alternative way , i found that some bank's in india provides virtual credit cards , which are useful for online shopping .
                              Last edited by yuv_biKING; 02-21-2012, 06:59 PM.
                              _________________________________________________
                              Yuv

                              2010 The Southern Sojourn, ISG2G - Yercaud
                              2011 The Megha Maharashtra Monsoon ride
                              2012 Meghamalai, ISG2G -Chikmagalur

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