Agricultural Development Bank Limited Visa Debit Card Features and Fees: A Comprehensive Overview

14th July 2026, Kathmandu

Agricultural Development Bank Limited provides a specialized Visa Debit Card to its expansive customer network.

ADBL Visa Debit Card

This alternative digital product allows account holders to perform standard retail transactions, access funds 24 hours a day, and eliminate physical cash handling entirely.

Core Product Features and Operational Perks

The payment option functions on an interconnected financial grid, introducing substantial everyday convenience for its holders:

• Flexible Account Access: Cardholders can withdraw cash from a wide automated teller machine network at any hour of the day or night.
• Point of Sale Acceptance: The card works as a secure payment mode at diverse merchant establishments and retail outlets equipped with standard point of sale terminals.
• Cross Border Functionality: The payment chip is fully valid for secured financial transactions in both Nepal and India.
• Extended Document Validity: The issued plastic instrument remains functionally valid for a convenient duration of 4 years from the date of creation.
• In Network Cost Waivers: The bank levies 0 operational fees when customers withdraw cash or execute retail transactions at official bank terminals.

Detailed Card Issuance and Maintenance Fee Structure

Operating the card involves specific baseline service charges and specialized system fees. These parameters ensure proper administrative handling and account maintenance over the lifecycle of the card:

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• Primary Issuance Fee: Acquiring a new card that remains valid for 4 years requires a baseline payment of 300 Nepalese rupees.
• Annual Maintenance Cost: The bank charges an annual service fee of 300 Nepalese rupees to keep the card active on the network.
• Card Replacement Price: If a user loses their card or requests a re-issue due to physical damage, the replacement charge is set at 300 Nepalese rupees.
• Personal Identification Number Regeneration: Requesting a brand new security code via system re-issuance costs 100 Nepalese rupees.
• Complementary Operations: Customers can change their code at native bank machines, reset their credentials, link the card to a different account, or stop an active card entirely for 0 fees.

Cross Network Transaction and Inquiry Charges

When users exit the primary bank infrastructure to utilize alternative banking networks, distinct interbank transaction rules apply:

• Cash Withdrawals: Transactions executed at native bank machines are completely free. However, utilizing other bank networks, including Smart Choice Technologies or the broader Visa ecosystem, incurs a low service fee of 15 Nepalese rupees per withdrawal.
• Balance Inquiries: Checking an active account balance remains entirely free across all networks, including native bank terminals, external local banks, and the wider international Visa system.
• Mini Statements: Printing or viewing a brief history log of recent account movements is completely free across all available machinery options.

Automated Teller Machine Cash Withdrawal Boundaries

The bank places strict daily and monthly caps on physical cash extractions to protect account balances from unauthorized access and manage liquidity:

• Limits Within Nepal: The maximum amount an individual can extract per single withdrawal is 20,000 Nepalese rupees. The cumulative withdrawal limit is restricted to 50,000 Nepalese rupees per day, capping out at an absolute maximum of 300,000 Nepalese rupees over a single month.
• Limits Within India: For cross-border transactions, the single withdrawal limit is set at 15,000 Indian rupees. The daily extraction ceiling matches this amount at 15,000 Indian rupees, while the monthly cumulative total is capped at 100,000 Indian rupees.

Point of Sale Terminal Transaction Limits

When purchasing goods and services directly at retail counters, alternative transaction caps are enforced to facilitate larger commercial purchases:

• Transaction Caps in Nepal: While there is no specific limit placed on an individual single invoice, the system restricts overall daily terminal spending to 100,000 Nepalese rupees. The total monthly point of sale spending ceiling is restricted to 500,000 Nepalese rupees.
• Transaction Caps in India: For merchant settlements across the border, the daily merchant spending limit is fixed at 62,500 Indian rupees. The total monthly expenditure limit via retail terminals scales up to a maximum of 312,500 Indian rupees.

Frequency Boundaries for Daily and Monthly Usage

Besides tracking numerical financial values, the bank security architecture counts the absolute number of interactions allowed over specific timeframes:

• Daily Frequency Caps: A cardholder can interact with automated teller machines up to 10 distinct times per day. Similarly, the system permits up to 10 separate point of sale merchant transactions within the same 24 hour window.
• Monthly Frequency Rules: The bank does not impose any maximum frequency restrictions on the total number of transactions compiled over a calendar month, provided the user stays within the established monetary ceilings.

For More: ADBL Visa Debit Card