19th August 2025, Kathmandu
Laxmi Sunrise Bank offers a diverse portfolio of payment cards designed to cater to the varied financial needs of its customers, from daily transactions to international travel and online shopping.
Laxmi Sunrise Bank Card Products
The bank’s card services include a standard debit card for day-to-day banking, a prepaid dollar card for online international purchases, a credit card for “buy now, pay later” convenience, and a travel card for global use. Each product is integrated with robust security features, including 3D Secure, to ensure safe and reliable transactions.
Laxmi Sunrise Debit Card: Your Everyday Financial Companion
The Laxmi Sunrise Debit Card, powered by the VISA network, offers a secure and convenient way for savings account holders to manage their funds. It is widely accepted at ATMs, Point-of-Sale (POS) terminals, and for online transactions across both Nepal and India. A standout feature is its TAP & Pay functionality for transactions under NPR 5,000, making small purchases faster than ever. For added security, the card is equipped with 3D Secure, providing an extra layer of protection for all online payments.
The card gives users a high degree of control through the bank’s mobile app, allowing for real-time card blocking/unblocking and PIN resets. Transaction alerts via email provide an additional layer of security by notifying users of any activity on their account. The card has a validity of 5 years.
Transaction Limits:
- Nepal: You can withdraw up to NPR 25,000 per transaction and NPR 100,000 daily. The monthly withdrawal limit is NPR 400,000.
- India: The transaction limit is set at INR 15,000 per transaction, with a daily limit of INR 15,000. The monthly withdrawal limit is INR 100,000.
- Contactless (TAP & Pay): A maximum of NPR 5,000 per transaction, with a limit of 5 contactless transactions per day.
Laxmi Sunrise Dollar Prepaid Card (Orange E-Card): For International Online Shopping
The Dollar Prepaid Card is a specialized product for Nepali citizens who need to make international online purchases. It is accepted globally wherever VISA is accepted and is exclusively for online transactions, meaning it cannot be used for ATM withdrawals or at POS terminals. The card is secured with 3D Secure technology, ensuring the safety of online payments.
Usage Limits:
- The default annual usage limit is USD 500.
- For individuals with a verifiable source of foreign income, an additional amount of up to USD 5,000 can be loaded onto the card.
- Only one card can be issued per user and is restricted to legally permitted online purchases as per Nepal’s regulations.
- The card provides real-time control through the mobile app and sends transaction alerts via email, allowing users to monitor their spending and maintain security.
Laxmi Sunrise Credit Card: The Power to “Buy Now, Pay Later”
Laxmi Sunrise’s Credit Card offers the convenience of deferred payments and flexible repayment options. It is accepted in both Nepal and India and features TAP & Pay functionality for quick, low-value transactions. The card gives users the flexibility to pay as little as 5% of their total outstanding balance each month or up to 100%, based on their financial preference. Card payments can be made through various channels, including cash, standing instructions, mobile money, or internet banking.
The card provides a credit period of up to 45 days, a key benefit for managing cash flow. It also comes with real-time card control via the mobile app and sends alerts via SMS/email.
Eligibility:
- Applicants must be Nepali citizens aged 21 or older with a regular income.
- The card is also available to Laxmi Sunrise account holders who have maintained an average balance of over NPR 100,000 for the last six months.
Transaction Limits:
- Nepal: Cash withdrawals are limited to NPR 25,000 per transaction, NPR 100,000 daily, and NPR 200,000 monthly.
- India: Withdrawals are limited to INR 15,000 per transaction, with a daily limit of INR 15,000 and a monthly limit of INR 100,000.
Buy Now, Pay Later (BNPL) Scheme
The bank’s BNPL scheme is a valuable feature for credit card holders. It allows customers to convert large purchases into easy EMI payments with 0% interest. The minimum purchase amount to qualify for BNPL is NPR 30,000.
There are two ways to avail of the BNPL scheme:
- Credit Card Conversion: The customer requests a conversion of their transaction into EMIs via the mobile app or a bank branch. This option incurs a flat fee of NPR 500 per month.
- Merchant-Induced Conversion: When purchasing from an approved BNPL merchant, the merchant can request the EMI conversion on behalf of the customer. In this case, no fees are charged to the customer.
Laxmi Sunrise Travel Card (Orange International Card)
For travelers, the Travel Card is a convenient solution for international transactions, with the exception of India. This VISA card allows users to make payments in USD or the local currency of the country they are visiting. Like the other cards, it is equipped with TAP & Pay and 3D Secure features for secure and fast transactions.
Transaction Limits:
- Withdrawals & Purchases (in Nepal): Up to USD 200 per transaction, with the same daily and monthly limits.
- Withdrawals & Purchases (Abroad): Up to USD 3,000 per transaction, with the same daily limit. The monthly limit for international use is USD 5,000.
This card is a reliable and secure option for passport holders and foreign exchange account holders who need a hassle-free way to manage their finances while traveling.
For More: Laxmi Sunrise Bank Card Products