Deciding on the best credit card in Nepal can feel like a puzzle as you see ads for different cards from top banks like Nabil, NIC Asia, Siddhartha, and Global IME, each promising attractive benefits. The real challenge is figuring out which one offers the best value for your lifestyle. A great credit card isn't just about making payments, it's a financial tool that offers security, rewards, and exclusive perks.
In this guide, we've done the hard work for you by breaking down and comparing the credit card offerings from Nabil, NIC Asia, Siddhartha, and Global IME. We look at fees, benefits, and features side by side so you can confidently choose the card that fits your lifestyle and financial goals.
In a country where festivals like Dashain demand extra spending power, the best credit cards in Nepal stand out by blending affordability with exciting benefits.
We've spotlighted offerings from four leading banks: Nabil, NIC Asia, Siddhartha, and Global IME. These cards cater to various needs, from domestic shopping to international travel, with features designed for our evolving economy.
Let's break them down one by one, highlighting what makes each a contender for your wallet in 2025.
Nabil Bank has long been a go-to for reliable banking in Nepal, and their credit cards are no exception. Their cards are known for their reliability and a strong network of merchant partnerships. The Nabil credit card lineup includes options that focus on both domestic and international (India, Bhutan) usage.
NIC Asia Bank is one of those banks that aim to become Nepal’s most digitally-forward banks. So, the NIC Asia credit card is known for its wide network of merchant offers and its suitability for tech-savvy users, particularly those seeking flexible payment options.
A Siddhartha Bank credit card is an excellent choice for those who value exclusive, community-driven benefits and extensive discounts.
Global IME Bank offers a range of cards tailored for both domestic and international use, making the Global IME credit card a great choice for travelers and online shoppers.
To make your decision crystal clear, here's a handy table comparing key aspects. Note: Fees and limits can vary based on your eligibility—always verify with the bank.
| Bank | Card Type | Annual Fee (NPR) | Reward/Cashback | Credit Limit (NPR) |
| Nabil | Domestic Mastercard and Visa | 0 (Lifetime Free: Limited time offer) | Up to 5% cashback on select categories | 25,000–5,00,000+ |
| NIC Asia | VISA and the FCY Freedom Card | 3,000 (for 5 years) | Discounts & 0% EMI | 25,000–5,00,000+ |
| Siddhartha | Gold/Platinum | 750 to Rs. 5,000 | Up to 40% discounts at partners | 25,000–5,00,000+ |
| Global IME | Classic/Gold | 600 to Rs. 1,000 | Cashback & exclusive rewards | 25,000–5,00,000+ |
Note: Fees and limits are subject to change based on bank policy and individual eligibility. Please check the bank's official website for the most up-to-date information.
Choosing the perfect credit card is about more than just picking a name you recognize. It's about finding the right financial partner for your unique lifestyle and spending habits. Before you apply, use this checklist to narrow down your options and make a smart decision.
The key to making the best choice is to have all the information you need in one place. Instead of visiting four different bank websites, you can use a single, reliable platform like Saral Banking Sewa to get a side-by-side comparison.
So to make an informed decision and find the perfect credit card for you, use our credit card comparison tool on Saral Banking Sewa. We’ve compiled all the latest details on annual fees, rewards, and benefits from top banks like Nabil, NIC Asia, Siddhartha, and Global IME, so you can compare, choose, and apply with confidence.
Getting the right credit card in Nepal for 2025 empowers you to manage your expenses efficiently, whether for daily needs, festive celebrations, or international travel. While Siddhartha Bank’s credit cards deliver exclusive discounts through partnerships, perfect for lifestyle-focused individuals, Nabil Bank offers a cost-effective, fee-free option that’s best fitted for budget-conscious users.
So, each bank offers something special, but the key is choosing based on your personal needs, be it cashback for daily spends or EMI for festive splurges. Remember, responsible use builds your credit score and unlocks even better perks down the line.
Want to find out your current credit score? Check our Saral Credit Score tool and directly apply for the best offers today and start swiping smarter.
The best credit card in Nepal depends on your priorities: Nabil for no fees, NIC Asia for EMI options, Siddhartha for partner discounts, or Global IME for international use.
To apply for Siddhartha Bank’s credit card, you can either visit the bank’s or Saral Banking Sewa’s website or visit any neared branch with ID (citizenship), income proof (salary slip or bank statements), and photos.
Credit card fees and charges range from Rs. 0 to NPR 5,000 whereas rewards include cashback up to 5%, discounts up to 40%, and EMI options. Always check current promos and compare them in Saral Banking Sewa’s website.
Yes, cards from Nabil, NIC Asia, Siddhartha, and Global IME use secure chip technology and offer e-commerce compatibility, ensuring safe online purchases on platforms like Daraz.
NIC Asia and Global IME offer USD-based cards for international use, while all cards are valid in Nepal, India, and Bhutan. Check with the bank for specific international transaction fees.
The minimum salary varies by bank and card type, typically NPR 15,000 to 25,000 monthly for salaried individuals. Whereas self-employed applicants require annual income of over NPR 1,50,000.
Nabil Bank was the first bank to introduce credit cards in Nepal during the early 1990s AD, marking the start of modern banking innovations in the country.
As of Bhadra 2082, most banks in Nepal are offering 1.5% to 2.5% per month interest rate on a credit card.
