Do you want to pay on international websites like Amazon US, Netflix, Canva, or ChatGPT but don’t have an international debit or credit card? The solution is simple — create a free virtual debit card that supports international transactions.
In this guide, you’ll learn how to create a virtual international card for free, which apps and platforms offer them in India, and how to use them safely for online payments.
What is a Virtual Debit Card?
A virtual debit card is a card issued by banks or fintech apps that:
-
Exists only digitally (no physical plastic card)
-
Has card number, expiry date, and CVV like any real card
-
Can be used for online payments, subscriptions, and shopping
-
Some support international payments, while others don’t
Why Use a Virtual Debit Card?
-
Ideal for secure online payments
-
Good option if you don’t want to share your main bank card
-
Helps students, freelancers, or creators pay for international tools
-
Works with platforms like PayPal, Netflix, Spotify, Canva, etc.
-
Can be created in minutes from mobile apps
Best Free Virtual Debit Cards for International Payments (2025)
Here are the most popular platforms in India offering international-enabled virtual cards:
1. Niyo Global Card
Niyo offers a zero forex markup virtual card with a linked savings account.
-
Issued by Equitas or SBM Bank
-
Supports all international payments
-
Can be used on Amazon, Netflix, and SaaS tools
-
Free virtual card instantly after account creation
-
Real-time expense tracking
✅ Best for freelancers, travelers, and international subscriptions
2. Zolve Virtual Card
Zolve offers US-based virtual debit and credit cards to Indian users.
-
Works on most international websites
-
Can be linked to Indian or US bank accounts
-
No SSN required
-
Targeted at students and remote workers
✅ Works well for people paying for US-based tools or platforms
3. Fi Money x Federal Bank
Fi offers a smart savings account and Visa virtual debit card.
-
Supports international payments (enabled upon request)
-
Track spending by categories
-
Works for Netflix, ChatGPT, Canva, etc.
✅ Simple setup, trusted bank support
4. Open (Banking for Freelancers)
Open is a neo-banking platform that provides business accounts and internationally enabled virtual debit cards.
-
Create a business account as a freelancer
-
Get a Visa or RuPay virtual debit card
-
Use for purchases, subscriptions, SaaS tools
✅ Best for solopreneurs and agencies
5. Kotak 811 International Card
Kotak’s 811 zero balance account now offers virtual cards with international access (request may be required).
-
Safe for online international transactions
-
Linked to mobile banking app
-
Easy KYC and activation process
✅ Ideal for students and online shoppers
How to Create a Virtual International Debit Card (Step-by-Step)
Here’s how you can set up a card using Niyo Global (as an example):
Step 1: Download the App
-
Visit Google Play Store or App Store
-
Search for “Niyo Global”
-
Install and open the app
Step 2: Register and Complete KYC
-
Enter mobile number, PAN, Aadhaar
-
Schedule video KYC (if required)
Step 3: Open the Account
-
After verification, your savings account is created
-
A virtual Visa card is issued instantly
Step 4: Enable International Transactions
-
Go to Card Settings in the app
-
Enable international usage
-
Set spending limits if needed
Step 5: Start Using
-
Use the card number, CVV, and expiry on international websites
-
Add it to PayPal, Google Pay, or App Store for subscriptions
Things to Keep in Mind
✅ Use only trusted apps and regulated fintechs
✅ Always enable international usage manually
✅ Set spending limits for safety
✅ Avoid sharing card details on unknown sites
✅ Some apps charge forex markup fees – read carefully
Final Words
If you’re a student, freelancer, or online creator, having a free virtual debit card that supports international payments gives you the power to use global tools and services without needing a traditional credit card.
Platforms like Niyo, Zolve, Fi, and Open make it easy to get started — with zero annual fees and full control from your phone.