RBI has directed the payment aggregators, wallets and online merchants (entities in card transaction/payment chain other than card issuers/card networks) not to store any sensitive card related customer information including full card details. Hence, the card numbers can be replaced with 'token' as mentioned above. This RBI mandate would come into effect from October 1, 2022. Please be assured that this will not hamper your credit card experience but will make your credit card transactions more secure.