12th October 2025, Kathmandu
In the modern, fast-paced world, seamless access to funds, whether at home or abroad, is essential for every bank customer. Kumari Bank Limited recognizes this need and has established clear, competitive, and user-friendly transaction limits for its extensive range of debit and credit cards.
KBL Updates Transaction Limits
By setting robust but accessible limits, the bank ensures both the convenience of digital transactions and the paramount security of customer funds, reinforcing its commitment to providing secure and reliable financial services. Understanding these thresholds is the first step toward maximizing the utility of your Kumari Bank card, especially for those frequently traveling or conducting business across the border in India.
The transaction limits are thoughtfully segmented by card type, transaction nature—either cash withdrawal or purchase—and the geographical location of the transaction, catering to the distinct regulatory and operational environments of Nepal and India. This comprehensive approach ensures that whether you are performing a significant online purchase in Kathmandu or withdrawing cash in a major Indian city, your transaction is covered by a transparent policy.
Optimizing Transactions Within Nepal (NPR)
Kumari Bank’s transaction limits within Nepal are structured to support the high-volume needs of daily life and commercial activity. For Debit Card holders, the withdrawal capacity is substantial, ensuring immediate access to cash when required. Customers are permitted a maximum cash withdrawal of NPR 25,000 per single transaction. To ensure responsible spending and fund security, the daily cumulative withdrawal limit is set at a generous NPR 100,000 per day, with a total monthly allowance reaching NPR 400,000.
When it comes to retail and online expenditure, the purchasing power of the Kumari Bank Debit Card is robust. Customers can make single purchase transactions of up to NPR 300,000, with the total daily purchase limit set at NPR 500,000. Furthermore, the bank allows for a significant monthly purchase ceiling of NPR 1,000,000, easily facilitating large-scale monthly expenses or e-commerce requirements for individuals and small businesses alike.
Credit Card usage in Nepal offers even greater flexibility, tailored to the customer’s approved financial standing. While cash withdrawal remains restricted to 10% of the customer’s total credit limit per transaction, per day, and per month, the power of the card truly shines in purchase transactions. Here, the limit is set as per the credit limit extended to the customer, but with a practical daily cap of NPR 500,000 and a monthly maximum of NPR 1,000,000. These high limits are designed to accommodate large, essential purchases, providing a crucial liquidity buffer for cardholders.
Seamless Cross-Border Banking in India (INR)
One of the most valuable features of Kumari Bank’s cards is their seamless operability in India, a critical benefit for the significant movement of people and commerce between the two nations. The limits for transactions in Indian Rupees (INR) are designed to provide convenience while adhering to cross-border regulations.
For Debit Card users traveling in India, the cash withdrawal facility is set at INR 15,000 per single transaction, which is also the maximum permissible daily limit. The total monthly cash withdrawal ceiling stands at INR 100,000. This ensures that customers have adequate funds for their travel and daily necessities while maintaining security checks.
The purchase limit for the Debit Card in India is also straightforward and highly convenient. Customers can spend up to INR 100,000 per transaction, with the daily and monthly limits also capped at INR 100,000. This makes the card an excellent tool for retail shopping, hotel bookings, and various services during an extended stay or business trip in India.
Similarly, Credit Card transactions in India follow a precise structure. Cash withdrawals are capped at 10% of the customer’s credit limit per instance, per day, and per month. For purchase transactions, customers can utilize their full credit limit, provided the daily and monthly expenditure does not exceed INR 100,000. This structured limit simplifies financial planning for cardholders operating in the Indian market.
Digital Security and Customer Support: The Kumari Bank Promise
The implementation of these distinct transaction limits is a core component of Kumari Bank’s dedication to digital banking solutions and secure services. The bank understands that higher limits must be balanced with robust security protocols. All card transactions are secured by EMV (Europay, Mastercard, and Visa) chip and PIN technology, as well as the 3D Secure service for online purchases, ensuring that customers can transact with confidence.
Furthermore, the bank offers extensive support for any inquiries or assistance required regarding these limits or any other card-related issue. This commitment to accessibility is a key driver of customer trust and satisfaction. The readily available helpdesk is an important line of defense and assistance.
Kumari Bank is continually integrating the latest technologies into its card services, ensuring the transaction process is not only secure but also incredibly fast and efficient. The flexibility provided by these limits across both Nepal and India ensures that customers are well-equipped for all their domestic and international financial needs, solidifying Kumari Bank’s position as a leading proponent of secure and convenient digital finance in the region.
Customers seeking personalized clarification, troubleshooting assistance, or details on specific card products are encouraged to reach out directly. For any inquiries or support, customers can contact the bank at 01-5970499.
For More: KBL Updates Transaction Limits