Garima Virtual Credit Card: Complete Guide to Digital Credit, Fees, Limits, and Application

5th October 2026, Kathmandu

Garima Bikas Bank Limited offers the Garima Virtual Credit Card, bringing instant credit accessibility directly into Nepal digital financial ecosystem.

Garima Virtual Credit Card

Managed entirely through the Garima Digi Batuwa mobile banking application, the card eliminates the necessity of carrying physical plastic while offering nationwide scan-and-pay merchant integration over the Fonepay network.

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Key Features and Benefits

The Garima Virtual Credit Card delivers convenience, real-time control, and flexible repayment terms for daily purchases.

• Instant Digital Generation: Create and activate your virtual credit card directly inside the Garima Digi Batuwa mobile banking app without visiting a physical branch.
• Nationwide Acceptance: Scan and pay at over 1.7 million Fonepay network merchants across Nepal.
• Interest-Free Period: Benefit from up to 45 days of interest-free credit on qualifying transactions.
• Flexible Repayment Terms: Settle the complete monthly statement balance or pay a minimum of 10 percent of the outstanding amount by the due date.
• Smart Expense Management: Track purchases, monitor budgeting parameters, and view statements in real time via the mobile application.

Eligibility Criteria

Applicants seeking approval for a virtual credit card must demonstrate a clean credit record along with a verifiable, stable income source under one of the following criteria:

• Regular monthly salary income
• Fixed Deposit interest income
• Documented business or self-employment earnings

Required Documentation

• Recent passport-size photograph
• Copy of Citizenship Certificate, National ID, or valid Passport
• Official Employee ID Card (for salaried applicants)
• Latest Salary Certificate (for salaried applicants)
• Company Registration Certificate and PAN/VAT Certificate (for business applicants)
• Latest 6 months of official bank account statements

Fees and Service Charges

• Joining or Issuance Fee: NPR 1,000
• Annual Renewal Fee: NPR 1,000
• Limit Enhancement Fee: NPR 500
• Late Payment Fee: NPR 300
• Over-Limit Charge: NPR 300
• Dispute Management Fee: NPR 100
• Annual Interest Rate: 30 percent per annum

Credit Limits and Transaction Frequency Thresholds

• Minimum Credit Limit: NPR 10,000
• Maximum Credit Limit: NPR 100,000
• Daily Transaction Count Limit: Maximum 20 transactions per day
• Monthly Transaction Count Limit: Maximum 500 transactions per month
• Virtual Card Validity: 3 Years

Billing Cycle Schedule

• Monthly Statement Date: 1st day of every English calendar month
• Monthly Payment Due Date: 16th day of every English calendar month

Step-by-Step Application Workflow

• Download and open the official Garima Digi Batuwa application on your mobile device.
• Select the Cards menu and navigate to Virtual Card.
• Complete the on-screen application form and upload the necessary identification and income documents.
• Submit the digital application for automated bank verification and instant card setup.

For More: Garima Virtual Credit Card