5th August 2025, Kathmandu
Garima Bikas Bank has positioned its Garima VISA Debit Card as a powerful and indispensable tool for its customers, offering a blend of smart technology, robust security features, and a seamless transactional experience.
Garima VISA Debit Card
Designed to cater to the financial needs of a contemporary user, this debit card provides a secure and convenient gateway to a wide range of banking services, accessible both domestically within Nepal and internationally. This detailed overview explores the card’s key features, advanced security measures, transaction limits, and best practices for safe and efficient usage.
Enhanced Security with 3D Secure Technology
In an increasingly digital world where online fraud is a growing concern, the Garima VISA Debit Card distinguishes itself with its advanced security protocols. The bank has integrated 3D Secure technology, an advanced authentication system also known as Verified by VISA, to provide an extra layer of protection for online transactions.
This innovative feature works by requiring a real-time One-Time Password (OTP) for every online purchase. This unique code is sent to the customer’s registered mobile number or email address, ensuring that only the authorized cardholder can approve the transaction. Even if a third party were to compromise the card details, they would be unable to complete a purchase without this unique verification code. This proactive security measure protects users from unauthorized activity and significantly mitigates the risk of financial fraud, boosting user confidence in e-commerce and other online payment platforms.
Key Features and Functionality
The Garima VISA Debit Card is a multi-functional instrument designed for maximum utility and convenience. It seamlessly supports a variety of transaction types, making it an all-in-one solution for daily financial needs.
Multi-purpose Use: The card can be used for a variety of purposes, including cash withdrawals from any ATM that accepts VISA, in-store payments at POS terminals, and online shopping. This versatility makes it the only card a customer needs for their day-to-day transactions.
Contactless Payments: The card comes equipped with contactless payment technology, allowing for swift and effortless transactions. By simply tapping the card on a compatible point-of-sale terminal, users can complete payments quickly, reducing checkout times and offering a hygienic, hassle-free experience.
Instant Transaction Alerts: To ensure complete transparency and user control, every transaction made with the card, whether it’s a purchase or an ATM withdrawal, triggers an immediate SMS notification to the customer’s registered mobile number. This real-time alert system allows users to monitor their account activity instantly and detect any suspicious transactions without delay.
SCT-UPI Enabled: The Garima VISA Debit Card’s functionality extends beyond Nepal’s borders. With its SCT-UPI enablement, the card can be used for both online and offline transactions across a wide network of merchants in both Nepal and India. This feature is particularly beneficial for travelers and individuals with business or personal connections in India, providing seamless and convenient cross-border payment capabilities.
Transaction Limits for Local and International Use
To ensure responsible spending and mitigate risk, the bank has established clear transaction limits for the Garima VISA Debit Card.
Transaction Type Nepal (NPR) India (INR)
- Per Transaction 25,000 10,000
- Daily Limit 100,000 –
- Monthly Limit 400,000 –
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These limits are designed to provide sufficient flexibility for daily transactions while also serving as a protective measure against large-scale unauthorized withdrawals.
Best Practices for Secure Card Management
Garima Bikas Bank emphasizes that while its debit card is equipped with advanced security, user vigilance is paramount. The bank provides a clear set of best practices to help customers protect their cards and financial information. This includes memorizing the PIN and keeping the card in a secure place, regularly checking transaction statements via the Garima Digital Batuwa App, and ensuring that any online transactions are conducted on secure networks and through websites that support 3D Secure. In the event of a lost or stolen card, immediate reporting to the bank is crucial to prevent misuse.
Conversely, the bank explicitly warns against common pitfalls that could compromise card security. These include sharing the PIN or card details with anyone, using public or unsecured Wi-Fi networks for banking activities, ignoring suspicious transaction alerts, and using ATMs or POS terminals that appear to be tampered with.
In summary, the Garima VISA Debit Card is more than just a payment instrument; it is a sophisticated, secure, and user-friendly banking solution that empowers customers with unprecedented control and convenience. By combining state-of-the-art security features with a wide range of functional capabilities, Garima Bikas Bank has created a debit card that is not just safer, but truly smarter.
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