Kamana Sewa Bikas Bank’s KSBBL Visa Debit Card: Complete Guide to Features, Eligibility, Fees, and Limits

5th October 2026, Kathmandu

Kamana Sewa Bikas Bank Limited offers the KSBBL Visa Debit Card in collaboration with Visa International, providing account holders with a convenient, secure, and flexible solution for everyday financial transactions.

KSBBL Visa Debit Card

Linked directly to local currency savings, current, joint, or proprietorship accounts, this card enables fast cash withdrawals and Point of Sale merchant payments across millions of acceptance locations in Nepal and India.

Equipped with EMV chip security, contactless payments, and a extended validity period, the KSBBL Visa Debit Card delivers comprehensive personal financial flexibility without the need to carry physical cash.

Key Features of KSBBL Visa Debit Card

• Contactless Payment Technology: Integrated NFC functionality supports quick, touch-free transactions at POS terminals for small-value everyday purchases.
• EMV Chip Security: Built with EMV chip compliance to protect user account data against fraud, cloning, and unauthorized access.
• Wide Cross-Border Acceptance: Fully functional at all ATMs and POS terminals displaying the Visa brand logo throughout Nepal and India.
• Comprehensive ATM Services: Access instant cash withdrawals, real-time balance inquiries, and mini-statements showing recent transactions at any compatible terminal.
• Merchant Purchase Convenience: Conveniently pay for goods and services across retail stores, departmental outlets, hospitals, and service providers.
• Extended Card Lifetime: Issued with an operational validity of 5 years.

Eligibility Criteria

The KSBBL Visa Debit Card is available to individual customers holding local currency accounts with Kamana Sewa Bikas Bank Limited under the following account categories:

• Savings Accounts
• Current Accounts
• Joint Accounts operating under any one signature instructions upon a written request signed by all joint account holders
• Sole Proprietorship Accounts maintained in the proprietor name upon official request

Fee Structure and Service Charges

Kamana Sewa Bikas Bank offers clear pricing across card issuance, maintenance, and transaction processing.

Card Issuance and Administrative Charges

• First Year Issuance Fee: Free of charge for the initial year.
• Second Year Onward Issuance Fee: A one-time payment of NPR 1,400 in the second year, or the option to pay in four annual installments of NPR 350 per year starting from the second year.
• Re-issuance Fee for Lost or Damaged Cards: NPR 350 per card valid for one year.
• Card Block Charge: NPR 100.
• Card Unblock Charge: Free of charge.
• PIN Re-generation Charge: NPR 100.
• Uncollected Cards and PINs: NPR 250 charged if cards or PINs remain uncollected for more than 6 months.
• Card Not Returned Upon Account Closure: NPR 100 charged if the card is retained by the customer with remaining validity at the time of account closure.
• Wrong Claim Charge: NPR 250 per claim.
• Card Linking to Overdraft Account: NPR 750.
• Card Linking to Secondary Account: NPR 100 to link another account belonging to the same customer.

ATM Transaction Fees in Nepal and India

• KSBBL ATMs in Nepal: Cash withdrawals and balance inquiries are completely free.
• Other Bank ATMs in Nepal: The first 2 cash withdrawals per month are free. From the 3rd withdrawal onward, a charge of NPR 20 per transaction applies. Balance inquiries at other bank ATMs cost NPR 20.
• Visa ATMs in India: Cash withdrawals cost NPR 250 per transaction, and balance inquiries cost NPR 50 per transaction.

Transaction Limits for ATMs and POS Terminals

The card enforces daily, monthly, and per-transaction spending limits to safeguard customer funds across domestic and Indian locations.

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ATM Cash Withdrawal Limits

Within Nepal:

• Per Transaction Limit: NPR 20,000
• Daily Transaction Limit: NPR 50,000
• Monthly Transaction Limit: NPR 300,000
• Daily Transaction Count Limit: 10 transactions

In India:

• Per Transaction Limit: INR 10,000
• Daily Transaction Limit: INR 10,000
• Monthly Transaction Limit: INR 100,000
• Daily Transaction Count Limit: 10 transactions

POS Merchant Purchase Limits

Within Nepal:

• Per Transaction Limit: NPR 100,000
• Daily Transaction Limit: NPR 300,000
• Monthly Transaction Limit: NPR 600,000
• Daily Transaction Count Limit: 10 transactions

In India:

• Per Transaction Limit: INR 100,000
• Daily Transaction Limit: INR 100,000
• Monthly Transaction Limit: INR 100,000
• Daily Transaction Count Limit: 10 transactions

Conclusion

The KSBBL Visa Debit Card stands out as a practical financial companion for customers looking for safe, seamless digital payment options across Nepal and India. With its free initial issuance, reasonable interbank fees, robust transaction caps, and EMV chip protection, it ensures account holders maintain complete control over their daily expenses wherever they go.

For More: KSBBL Visa Debit Card