Prime International Travel Card: Usage Guidelines, Dos and Don’ts, and Limits

29th September 2026, Kathmandu

The Prime International Travel Card offered by Prime Commercial Bank Limited is designed to deliver convenience, security, and global accessibility for modern travelers.

Prime International Travel Card

Whether you are shopping abroad, making reservations, or withdrawing local currency at international ATMs, this card offers a hassle-free foreign currency payment solution.

In this comprehensive guide, we cover the critical security guidelines, essential rules, transaction limits, and key features to help you make the most of your Prime International Travel Card while keeping your funds safe.

What is the Prime International Travel Card?

The Prime International Travel Card is a prepaid foreign currency card issued by Prime Commercial Bank Limited. Tailored for personal international travel, it allows cardholders to make electronic payments at foreign merchant locations and withdraw cash at global ATMs without carrying physical currency notes.

To review official tariffs, schedule of charges, or fee updates, you can visit the bank’s official portal at [https://www.primebank.com.np/tariffs/digital-products](https://www.primebank.com.np/tariffs/digital-products).

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Crucial Security Guidelines for Cardholders

To safeguard your interest and ensure continuous access to your prepaid dollar balance, Prime Commercial Bank recommends adhering to best practices regarding card storage and PIN confidentiality.

Essential Dos for Safe Usage

• Keep the Card Secure for Personal Use: The Prime International Travel Card is strictly designated for personal use. Ensure it remains in your possession at all times.
• Inspect the PIN Mailer: When receiving your card package from the bank branch, verify that the PIN mailer has not been opened, tampered with, or damaged.
• Change Your PIN Immediately: Change the default PIN assigned in the mailer as soon as you receive the card. Additionally, form a habit of updating your PIN at regular intervals.
• Maintain PIN Confidentiality: Your Personal Identification Number (PIN) must be known only to you. Never share it with family members, friends, bank officers, or merchant staff.
• Activate at an ATM First: Before using your card at any merchant outlet, you must activate it using the initial PIN at any valid ATM. Merchant point-of-sale (POS) terminals will only accept the card after successful ATM activation.
• Monitor Point-of-Sale Transactions: Always ensure that bank operators or retail staff process your card in your physical presence during retail checkout.

Important Don’ts to Avoid Fraud and Delays

• Do Not Use at Non-EDC Merchants: Avoid swiping or dipping your card at merchant outlets that lack an Electronic Data Capturing (EDC) machine.
• Do Not Write Down Your PIN: Never store written records of your PIN on paper, digital notes, phone contacts, or anywhere that could facilitate unauthorized access.
• Do Not Disclose Confidential Credentials: Bank employees, merchant representatives, and customer support staff will never ask for your PIN. Do not disclose it under any circumstances.
• Do Not Attempt Overdraft Transactions: Always verify your available balance before initiating purchases or cash withdrawals. Attempting transactions without sufficient funds in the card account can lead to decline charges or temporary authorization blocks.

Transaction Limits and Service Charges

Prime Commercial Bank Limited outlines specific operational parameters to protect customer funds while providing flexible daily access to money. Understanding these limits helps you budget your overseas expenses efficiently.

POS (Point of Sale) Merchant Transactions

• Per Transaction Limit: USD 5,000 or equivalent currency
• Daily Transaction Limit: USD 5,000 or equivalent currency
• Daily Transaction Frequency: Up to 10 transactions per day
• Transaction Fee: No charge (Free of cost)

ATM Cash Withdrawals

• Per Transaction Limit: USD 300 or equivalent currency
• Daily Transaction Limit: Maximum USD 600 or equivalent currency
• Daily Transaction Frequency: Up to 5 transactions per day
• Transaction Fee: USD 5 per transaction

Emergency Steps in Case of Card Loss, Damage, or Theft

If your Prime International Travel Card is lost, stolen, misplaced, or physically damaged while traveling, swift action is essential to prevent unauthorized transactions.

• Contact Customer Support Immediately: Reach out to Prime Commercial Bank’s dedicated support helpline as soon as you discover the loss.
• Request an Instant Card Block: Inform the bank representative to immediately freeze or block the card account.
• Provide Account Verification Details: Keep your passport details, identification documents, and primary bank account info ready to verify your identity over the phone.

Prime Commercial Bank Support Contact Information

• Toll-Free Helpline: 18105000150
• Landline Phone: +977-01-4523436 / 01-4523215
• Customer Care Email: [email protected]
• General Information Email: [email protected]
• Central Office Address: Kamal Pokhari, Kathmandu, Nepal

Final Thoughts

The Prime International Travel Card offers an efficient, secure way to manage foreign expenses while traveling abroad. By completing the mandatory ATM PIN activation, maintaining strict PIN privacy, avoiding non-EDC merchant outlets, and keeping track of POS and ATM limits, you can enjoy a smooth payment experience wherever your journeys take you. For account reloads, balance checks, and tariff revisions, contact your nearest Prime Commercial Bank branch or visit their official website.

For More: Prime International Travel Card