KSBBL Visa Debit Card: Features, Fees, Limits & Benefits for the users

29th May 2026, Kathmandu

KSBBL Visa Debit Card is designed to provide customers with seamless access to cashless transactions and ATM services both locally and internationally.

KSBBL Visa Debit Card

This debit card combines advanced chip security, global acceptance through VISA, and flexible usage options, making it a practical financial tool for everyday banking needs.

What is KSBBL Visa Debit Card?

The KSBBL Visa Debit Card is an EMV chip-based card linked to a customer’s savings, current, joint, or sole proprietorship account. It allows users to access their funds conveniently through ATMs and POS machines displaying the VISA logo.

The card is valid for 5 years and supports secure electronic transactions, ensuring both safety and ease of use for customers across Nepal and India.

Key Features of KSBBL Visa Debit Card

The KSBBL Visa Debit Card offers a wide range of modern banking features that enhance everyday financial transactions.

• One of its major features is contactless payment capability, allowing customers to make quick and secure purchases without physically inserting the card in supported terminals.
• The card can be used at all ATMs and POS machines within Nepal and India that display the VISA logo. This ensures wide accessibility and convenience for domestic and cross-border users.
• ATM functionality includes cash withdrawals, balance inquiries, and mini account statements, making it a complete self-service banking tool.
• At POS terminals, customers can make payments for goods and services at various merchants such as supermarkets, hospitals, retail stores, and restaurants.
• The card is also internationally recognized through its association with VISA Inc., a global payment network that ensures secure and reliable transactions.
• Being EMV chip-based, the card offers enhanced security by protecting against cloning and fraudulent transactions.

Eligibility Criteria

The KSBBL Visa Debit Card is available to customers who maintain local currency accounts with Kamana Sewa Bikas Bank Limited.

Eligible account types include:

• Savings accounts
• Current accounts
• Joint accounts (where operation mode is “Any One Signature” with consent of all holders)
• Sole proprietorship accounts in the name of the business owner

This wide eligibility ensures that both individuals and business customers can benefit from the card.

Fees and Charges Overview

The KSBBL Visa Debit Card comes with structured fees depending on usage and service type.

The first-year issuance of the card is free of charge. From the second year onwards, a one-time issuance fee of NPR 1,400 applies, or customers may choose to pay in installments of NPR 350 per year over four years.

Re-issuance of lost or damaged cards costs NPR 350 for one year validity. Blocking a card costs NPR 100, while unblocking is free of charge.

PIN regeneration costs NPR 100, and uncollected cards or PINs after six months incur a fee of NPR 250. If a card is not returned at the time of account closure while still valid, a fee of NPR 100 applies.

Wrong claim charges are set at NPR 250 per claim. Linking the card to an overdraft account costs NPR 750, while linking it to another account of the same customer costs NPR 100.

ATM transactions within KSBBL branches are free for cash withdrawal and balance inquiry. For other ATMs within Nepal, the first two withdrawals per month are free, and from the third withdrawal, NPR 20 is charged per transaction. Balance inquiries at other banks’ ATMs cost NPR 20.

For international usage in India, ATM cash withdrawals cost NPR 250 per transaction and balance inquiries cost NPR 50.

Transaction Limits

The KSBBL Visa Debit Card comes with defined transaction limits to ensure safe usage.

• Within Nepal, the per transaction ATM withdrawal limit is NPR 20,000, while the daily limit is NPR 50,000. The monthly ATM limit is NPR 300,000, with a maximum of 10 transactions per day.
• For POS transactions in Nepal, the per transaction limit is NPR 100,000, daily limit is NPR 300,000, and monthly limit is NPR 600,000, also with a maximum of 10 transactions per day.
• In India, ATM transactions are limited to INR 10,000 per transaction and per day, with a monthly limit of INR 100,000. POS transactions in India are capped at INR 100,000 per transaction, daily, and monthly, with 10 transactions per day allowed.

These limits help maintain financial discipline and enhance transaction security.

Benefits of KSBBL Visa Debit Card

The KSBBL Visa Debit Card provides multiple advantages for users seeking secure and convenient banking.

• It enables cashless transactions, reducing the need to carry physical cash and improving financial safety. The card’s EMV chip technology ensures protection against fraud and unauthorized access.
• Its wide acceptance across Nepal and India allows users to perform transactions conveniently during travel or business activities.
• ATM and POS functionalities ensure that customers can manage both cash withdrawals and purchases efficiently. The contactless feature further enhances speed and convenience in everyday payments.
• Additionally, its integration with the VISA network makes it a globally trusted payment solution.

Security and Convenience

Security is a major highlight of the KSBBL Visa Debit Card. The EMV chip technology significantly reduces the risk of card cloning and fraud.

Customers can also block or unblock their cards easily through bank services, ensuring quick response in case of loss or theft.

PIN regeneration and transaction monitoring features further enhance account protection.

Conclusion

The KSBBL Visa Debit Card is a comprehensive digital payment solution that combines security, convenience, and international usability. With its chip-based technology, wide acceptance, and structured transaction limits, it is an ideal choice for modern banking customers in Nepal.

Offered by Kamana Sewa Bikas Bank Limited, this debit card ensures smooth financial transactions both domestically and in India, making everyday banking simpler and more efficient.

For customers seeking a secure, flexible, and widely accepted debit card, KSBBL Visa Debit Card stands as a reliable and practical option in Nepal’s evolving digital banking ecosystem.

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