Credit Card

Credit Card

NBL Visa Credit Card provides the service of plastic card with credit facility to the individual customers. This product is one of the value-added services to the customers of Nepal Bank Limited. 

Credit card business stands on the principle of "buy now- pay later". It allows customers to buy goods and services based on the holder’s promise to pay for them later. Normally, it is issued based on the credibility of the individual applicants.


  • Valid Only in Nepal, India & Bhutan.
  • Accepted as mode of payment at Visa merchant locations (POS) and Online transactions.
  • Cash Withdrawal from Visa accepting ATMs.
  • Convenient payment option of 10% (or minimum NPR 1,000) to 100% of outstanding amount.
  • Interest free credit period of minimum 15 days to maximum 45 days for purchase transactions.
  • Competitive interest rate @ 2% per month.
  • Credit Card Limit from NPR 20,000 to 5,00,000.
  • Cash Withdrawal Limit as per NRB Directive (which is 10% of Credit Card Limit).


Description Visa Domestic Credit Card
Per Transaction Limit (ATM)

NPR 25,000 in Nepal
INR 10,000 in India

Number of Transaction Per Day 10
Per Transaction Limit (POS)

NPR 1,00,000 in Nepal
INR 62,500 in India

Daily Transaction Limit (ATM)

NPR 50,000 in Nepal
INR 10,000 in India

Daily Transaction Limit (POS) 

NPR 200000 in Nepal
INR 100000 in India

Daily Online Transaction Limit NPR 2,00,000 in Nepal
INR 1,00,000 in India

Note: Transaction Limit will be as per NRB circular/ directive.


Description Visa Domestic Credit Card
Joining/ Issuance Fee NPR 750
Annual Fee  NPR 750
Replacement Card Fee NPR 750
PIN Re-Issue NPR 50
Late Payment Fee NPR 300 per instance
Over Limit Fee NPR 500
Limit Enhancement Fee NPR 500

*These charges are subject to change without prior notice.


Description Visa Domestic Credit Card
NBL Card NBL ATM – Cash Withdrawal NPR 100 + 2% per month of txn amount
NBL Card NBL ATM – Balance Enquiry No Charge
NBL Card Visa ATM – Cash Withdrawal NPR 200 + 2% per month of txn amount
NBL Card Visa ATM - Balance Enquiry NPR 20
NBL Card Visa POS No Charge
NBL Card Visa ATM (India) – Cash Withdrawal NPR 250 + 2% per month of txn amount
NBL Card Visa ATM (India) – Balance Enquiry NPR 50
Interest on Cash Withdrawal  2% per month

*These charges are subject to change without prior notice.


Description Rate
Interest Rate 2% per month (24% per annum)

Credit Card Transaction Billing Date shall be 23rd of English Calendar 
* Due date of credit card payment shall be 15th Days from Billing Date.


  • Customers having saving/current account in NBL are eligible for NBL Visa Credit Card.
  • Any Nepalese citizen with age of 21 years and above.
  • Monthly salary income of NPR 20,000 or above.
  • Annual business income of NPR 150,000 or above.


  • Copy of citizenship duly verified with the original.
  • Recent PP size photograph of applicant.
  • Latest Annual Salary Certificate duly issued and certified by the concerned employer for the salaried applicant. (mentioning, employment years, position, terms of employment salary amount etc.)
  • Three months’ bank statement of salary account for salaried applicant.
  • Company registration certificates, PAN, latest tax clearance certificate and latest audited/self-declared financial report for the self-employed businessman.
  • Other Income source documents for any other type of income source (i.e. Valid House rent/Lease agreement, pension etc.)
  • Duly signed debit authority.
  • Duly completed application form.
  • For existing loan customers, the details of credit card shall be recorded in credit file
  • No income certificate required for those who would like to take credit card against lien on Fixed Deposit, Current or Saving Account maintained at Nepal Bank Limited.


  • The initial credit card limit shall be maximum of 1.5 times of monthly income / salary (not more than maximum limit of product).
  • The credit card limit can be enhanced up to two times (not more than maximum limit of product) of monthly income upon the request of the customer, if satisfied from all aspects.
  • The credit card facility shall be preferred to the customers maintaining account with us having satisfactory deposit / credit relationship.

Download Application Form

Contact Details:
For further information, 
Hunting line: 00977-1-5347341
Mail address: