Muktinath Visa Debit Card: Complete Guide to Features, Fees, Limits, and Safety Rules
4th October 2026, Kathmandu
Muktinath Bikas Bank offers the Muktinath Visa Debit Card in collaboration with Visa International, providing account holders with a secure and convenient alternative to physical cash.
Muktinath Visa Debit Card
Linked directly to personal savings or personal current accounts, this card enables fast cash withdrawals and Point of Sale purchase transactions across millions of merchants and ATMs in Nepal and India.
Equipped with modern contactless Tap and Pay capabilities, transaction alerts, and e-commerce readiness, the Muktinath Visa Debit Card delivers comprehensive personal payment flexibility.
Key Features of Muktinath Visa Debit Card
- Flexible Account Linking: Cardholders can link the Visa Debit Card to personal savings or personal current accounts.
- Wide Acceptance: Fully functional for transactions across authorized Visa network ATMs and merchant POS terminals throughout Nepal and India.
- Contactless Tap and Pay: Integrated NFC technology supports quick, touch-free payments at POS terminals for small-value transactions.
- Domestic E-Commerce Enabling: The card can be upgraded to process online domestic e-commerce purchases in Nepal, India, and Bhutan.
- Real-Time SMS Alerts: Every cash withdrawal or POS transaction triggers instant SMS alerts to monitor account activity and catch unauthorized use early.
- Extended Validity: Each newly issued Muktinath Visa Debit Card remains valid for 5 years.
Fee Structure and Service Charges
Muktinath Bikas Bank provides low-cost digital card operations with generous free transaction thresholds.
ATM Cash Withdrawal Charges
- Muktinath Bikas Bank ATMs: Completely free cash withdrawals.
- Other Banks ATMs in Nepal (Visa Network): Free for up to 5 transactions per month. Beyond 5 transactions, a charge of NPR 15 applies per transaction.
- ATMs in India: NPR 250 per transaction.
Balance Inquiry Charges
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- Muktinath Bikas Bank ATMs: Completely free balance inquiries.
- Other Banks ATMs in Nepal: NPR 15 per balance inquiry.
- ATMs in India: NPR 50 per balance inquiry.
Transaction Limits for ATMs and POS Terminals
- The card enforces daily, monthly, and per-transaction spending caps to safeguard account balances across domestic and cross-border locations.
ATM Withdrawal Limits
Within Nepal:
- Per Transaction Limit: NPR 20,000
- Daily Transaction Limit: NPR 50,000
- Monthly Transaction Limit: NPR 300,000
In India:
- Per Transaction Limit: INR 10,000
- Daily Transaction Limit: INR 10,000
- Monthly Transaction Limit: INR 100,000
POS Merchant Purchase Limits
Within Nepal:
- Per Transaction Limit: NPR 50,000
- Daily Transaction Limit: NPR 300,000
- Monthly Transaction Limit: NPR 600,000
In India:
- Per Transaction Limit: NPR 50,000
- Daily Transaction Limit: NPR 100,000
- Monthly Transaction Limit: NPR 160,000
Card Safety Measures and Best Practices
To protect your funds against fraud, card theft, and unauthorized access, follow these security practices:
- Inspect Surroundings: Observe your environment before approaching an ATM. If you notice suspicious individuals or unusual physical alterations to the card slot, cancel your transaction and leave immediately.
- Shield the Keypad: Cover the PIN pad with your hand while typing your number so waiting bystanders or hidden cameras cannot see it.
- Keep PINs Confidential: Memorize your PIN and never write it down on paper, store it in your wallet, or record it on the card itself.
- Avoid Personal PIN Combinations: Do not select obvious PIN combinations based on birthdays, phone numbers, or vehicle registration details.
- Safe Storage: Store physical cards securely to avoid physical chip damage, demagnetization, or theft.
- Reconcile Receipts: Retain all ATM and POS transaction slips and verify them regularly against your monthly bank statements to spot discrepancies.
- Immediate Stolen Card Reporting: Report lost, missing, or compromised cards to Muktinath Bikas Bank immediately to block further transactions.
For More: Muktinath Visa Debit Card
