1. Where are the Cards accepted?
- Your Credit Card is accepted at all merchant
locations displaying the sign of MasterCard / Visa Cards.
Some of our cards are confined to usage within India and
Nepal due to the rules and regulation of Nepal Rastra
Bank. Please check where your card is accepted and can
be used.
2. How often can I use my Card?
- You can use your card as often as you
wish, provided you do not exceed your pre-set credit limit.
Once a card is used, the card limit decreases until the
time payment is received from you.
3. How do International Credit Cards work?
- An international Credit Card gives you
the privilege and flexibility of using a Credit Card instead
of heavy cash / traveller's cheques and the billing system
is same as stated above.
4. Can I know all the facts related to my Credit
Limit?
- A Credit Card is always issued with a
pre-set limit, which is determined by financial history
and the income source of the applicant and also complying
with the rules and regulation set by Nepal Rastra Bank.
A cardholder is requested not to exceed its limit at any
point of time or else further credit may be denied at
any merchant location and an excess over limit fee is
also charged. In case of cash advance, the limit are assigned
50% of the total limit including cash advance fee as under
mentioned.
- If it becomes necessary for you to enhance
your limit on temporary or permanent basis on events such
as travelling on a long vacation, business promotion tour
or willing to make a major purchase, you are requested
to inform us in writing at least a week prior to your
pre-planned tour or purchase.
5. What if I am not able to pay my bill on time?
- On the payment due date if you do not
have sufficient balance resulting in outstanding due then
interest will be charged. This will effect your credit
limit as well as your credit history and might create
trouble for you while making further transaction. Hence,
to avoid such embarrassing circumstances you are requested
to make the payment on time.
6. What security measures should I follow to protect
my card?
Following security aspects should be given due consideration
for secure card transaction.
- Affix the signature on the signature panel at the back
of the card immediately after receiving the card.
- Do not give the card or reveal the card number to anyone
in any circumstances. (Except to the merchant you are
transacting with).
- Do not sign on blank charge slips.
- Keep the charge slips till final settlement is made.
- Do not use the card for mail / telephone order and
internet transactions. These are very risky transaction
and your card number can be compromised. You will be held
liable for all transactions appearing on your card statement.
- Inform the card issuing bank immediately in case the
card is lost/stolen.
- Please maintain the record of the card number and the
telephone number of the Bank separately as the need may
arise.
7. What if my Card gets lost or stolen?
- In such cases, please inform the Bank or any nearest
MasterCard/Visa card agent bank to block the usage and
request for replacement immediately.
8. How safe is my Card?
- A Credit Card is a safe, secure and convenient financial
management tool that offers many benefits. It is important
to remember that owning a credit card carries many responsibilities.
When used improperly, credit card can get you into trouble.
We hope all the above mentioned information will be useful
for our cardholder to manage the usage of their credit card
efficiently and to get the maximum possible benefits.
