Credit Cards

Credit Card

A credit card is a financial tool that allows individuals to make purchases on credit, up to a predetermined credit limit View More

Visa Domestic Credit Cards

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Interest Rate

2 % per month

Card Validity Period

5 years

Credit Free Period

--

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Visa Platinum Credit Card

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Interest Rate

2.5 % per month

Card Validity Period

5 years

Credit Free Period

45 days

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Visa Classic Credit Card

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Interest Rate

2 % per month

Card Validity Period

5 years

Credit Free Period

45 days

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Key Features

  • Chip-based secured credit card.
  • Flexible payment option between 10% to 100%
  • Auto Debit Facility
  • Supplementary Card Facility
  • Wide acceptance in India and Nepal
  • E-statement service
  • Maximum 45 days of Credit facility
  • Convenient and Safe

Benefits

  • Saves time for withdrawing cash over the counter.
  • Inquire your account balance from any ATM terminals
  • The convenience of accessing an account from any ATM/POS 24 hours 365 days a year.
  • No more hassle of carrying cash and risk of it being stolen or lost.
  • Cash advance facility of 10% of the credit card limit

Eligibility Criteria

  • Applicant must be a Nepalese citizen
  • Regular Income Source required

Required Documents 

For Salaried personnel

  • Passport Size Photographs (2 Copies).
  • Copy of Citizenship Certificate/Passport.
  • Salary Certificate/ letter from employer disclosing the designation and present salary.
  • Copy of Bank Account Statement for last six to twelve months.

For Business Income Earners

  • Passport Size Photographs (2 Copies).
  • Copy of Citizenship Certificate/Passport.
  • Financial Statement of last two years.
  • Photocopy of Registration, PAN/VAT Certificate, and/or license from concerned authority
  • Copy of Bank Account Statement for last six to twelve months.
  • Memorandum and Articles of Association, Board Resolution to Borrow, paper disclosing percentage of ownership/shareholding, Partnership Deed.

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FAQ'S

With a debit card, you can withdraw funds directly from your bank account deposits.

In contrast, a credit card is similar to a short-term loan from the card issuer that allows you to make payments or withdraw cash. Rather than repaying this short-term loan on a per-use basis, at the end of the billing cycle, all of your credit card spending is combined into a single bill.

You can apply online from banks website and to open offline - visit nearest branch of selected bank to obtain application form of Credit Card. Fill up the application for  Credit Card. Submit it to the respective branch. Collect your Credit Card and Pin Code after the specified day to have your card activated.

Interest free credit period of minimum 15 days to maximum 45 days after being  used   for Purchase transactions.

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