Garima Bikas Bank Limited offers Visa Credit Card with various facilities to our esteemed customers. Once a limit is approved, the customer can make various payments through POS Machine, MOCO app or even can withdraw cash up to the specific credit limit from ATM.

Since, the Credit Card is based on the "Buy Now, Pay Later" principle, we offer our customers to enjoy every purchase in a hassle free and secure manner through Garima VISA Credit Card.

Card Features & Benefits:

• Joining Fees: NPR 1,000.00
• Annual Fee: NPR 1,000.00
• Minimum limit shall be NPR 15,000.00 and Maximum limit shall be 1.5 times of month's Gross Salary income or NPR 500,000.00 (whichever is low)
• Can be linked in MOCO App and used on various utility payments (i.e. Airplane Ticketing, Mobile Top-up, Electricity Payment, etc)
• Credit Period: Service charge free credit period up to 45 days from the previous billing date shall be provided.
• Billing Date: 23rd day of every month based on Gregorian Calendar.
• Payment Due Date: Due date shall be after 15 days of billing date.  

Transaction Limit:
There shall be the limit in transaction amount which shall be controlled at SWITCH level. Transaction limit will be as follows;  

Description	In Nepal	International
Minimum withdrawal amount per transaction	NPR 500.00	NPR 800.00
Minimum withdrawal amount per transaction	10% of approved limit or maximum NPR 20,000.00	10% of approved limit or maximum NPR 16,000.00
Number of cash transaction per day per card	10	10
Maximum amount withdraw per day	10% of approved limit or maximum NPR 50,000.00	10% of approved limit or maximum NPR 24,000.00
Number of POS Transaction Per day Per card	25	25
Payment through POS per transaction	NPR 100,000.00	NPR 160,000.00
Payment through POS per day	NPR 300,000.00	NPR 160,000.00
Payment through POS per transaction for travelling and entertainment	NPR 100,000.00	NPR 160,000.00
Payment through POS per day for travelling and entertainment	NPR 100,000.00	NPR 160,000.00

*The limit will be subject to change as per regulator and VISA.