Kumari Bank Card Transaction Limits Guide: Debit, Credit, USD & eCom Cards Explained
28th June 2025, Kathmandu
Kumari Bank has advised all its debit and credit card users to regularly check and understand their daily and monthly transaction limits. The bank emphasized that being aware of transaction caps is essential to avoid failed payments, especially in emergencies or while shopping online and abroad.
Kumari Bank Card Transaction Limits
The initiative is part of the bank’s customer education campaign to promote secure, efficient, and smart digital banking.
Why Knowing Your Transaction Limit Matters?
Kumari Bank encourages customers to be proactive and informed. When a card exceeds its limit, transactions fail, not due to technical errors, but because of preset usage boundaries. These limits help prevent misuse, fraud, and unnecessary financial stress. By understanding them, users can plan and ensure smoother transactions across ATM withdrawals, online purchases, and POS payments.
Debit Card Limits For Domestic Use
Kumari Bank issues various Visa debit cards with specific usage ranges. For local transactions in Nepal:
ATM withdrawals are typically limited to NPR 100,000 per day
Monthly limits can go up to NPR 400,000
POS transactions are often capped at NPR 500,000 per day
Individual withdrawal or swipe limits may vary depending on card type (Classic, Gold, Platinum)
These limits ensure customers stay within responsible financial boundaries while providing flexibility for daily use.
Credit Card Spending And Cash Advance Restrictions
Kumari Bank’s credit cards allow users to spend up to their approved credit limit. However, the bank has defined daily and monthly caps:
Up to NPR 500,000 per day for purchases
NPR 1,000,000 monthly spending limit
Cash advances are restricted to 10% of the card’s total credit limit
This structure protects both customers and the bank from potential risks while supporting high-value transactions within controlled thresholds.
Cross-Border Transactions In India
For Nepalese users traveling to India, Kumari Bank cards are accepted at Indian ATMs and POS machines. However, the limits differ:
INR 15,000 is the maximum ATM withdrawal per day
Credit and debit card purchases are typically capped at INR 100,000 per month
These restrictions align with Nepal Rastra Bank’s foreign exchange policies and help ensure secure international usage.
International USD Card Services
To support global travelers, students, and online buyers, Kumari Bank offers USD-based Travel, Debit, and Credit Cards. These cards are valid worldwide and subject to usage ceilings:
USD 2,500 daily and USD 5,000 monthly for travel and debit cards
USD 15,000 monthly for credit cards
Cash withdrawals are limited to USD 1,000 per transaction or USD 2,500 daily
Cash advances from credit cards are again limited to 10% of the approved limit
These limits ensure compliance with NRB foreign currency regulations and offer safe, transparent global payments.
eCom Card for Safe Online Shopping
Kumari Bank has also introduced the eCom Card, a prepaid card designed for secure international e-commerce use. Ideal for platforms like Amazon, Netflix, and more, the eCom Card comes with:
USD 500 annual usage limit
Five-year validity
Activation for verified online merchants only
This card gives customers control over digital spending while reducing the risk of fraud or overuse.
Omni Mobile And Omni Web Banking Transaction Caps
Kumari Bank’s Omni Mobile and Web banking platforms allow users to conduct financial transactions with ease. But each mode has its own transaction limits:
Mobile app users can transfer or pay up to NPR 300,000 daily
Web platform users have a higher ceiling of NPR 2,000,000 daily and NPR 5,000,000 monthly
Wallet loads, fund transfers, and QR payments all fall within set limits for security and compliance
These tools enhance digital access for both personal and business banking.
Smart Banking Tips To Avoid Declines
Kumari Bank recommends the following to stay limit-smart:
Check your card’s daily and monthly transaction limits regularly
Split large transactions into smaller ones if they exceed the cap
Keep a record of your spending to avoid surprises
Contact the bank for personalized limit upgrades if needed
Conclusion: Know Your Limits, Spend With Confidence
Kumari Bank’s transparent limit structure empowers users to spend, swipe, and withdraw with confidence. Whether shopping online, traveling abroad, or handling daily expenses, knowing your card limits ensures safe and stress-free banking.
By staying informed, planning, and using cards responsibly, customers can avoid failed payments and enjoy a smoother banking experience.
For more:- Kumari Card Bank Transaction Limits
