29th June 2025, Kathmandu
Muktinath Bikas Bank has rolled out its Instant Card, a Visa-branded debit card available immediately upon opening a personal savings or current account.
Muktinath Bank Instant Visa Card
With this launch, the bank aims to make everyday transactions more efficient, secure, and cashless. The card supports ATM withdrawals, in-store purchases, and even online transactions once upgraded. It is accepted widely across Nepal and India, offering a smart alternative to physical cash.
Instant Issuance For Instant Convenience
Muktinath Bank’s new Instant Card can be issued right when customers open their accounts. There is no waiting period, paperwork hassle, or lengthy approval time. This card enables users to withdraw money from ATMs and make purchases through Point-of-Sale (POS) machines, all within minutes of receiving the card.
For customers looking for immediate access to digital payments, this card stands as a quick and accessible solution. It offers a fast transition into Nepal’s growing digital banking ecosystem.
Wide Acceptance Across Nepal And India
One of the strongest features of the Muktinath Instant Card is its wide usability. As the card is linked with the global Visa payment network, it can be used across thousands of merchant locations and ATMs in both Nepal and India. Whether you are making a retail purchase in Kathmandu or withdrawing money from an ATM in New Delhi, this card delivers a smooth transaction experience.
This cross-border usability makes it ideal for travelers, students, business professionals, and frequent cross-border commuters.
Tap And Pay: Contactless Payments Made Easy
The Muktinath Instant Card comes equipped with Tap and Pay, or contactless payment technology. Cardholders can simply tap the card at supported POS terminals without needing to insert it or enter a PIN for small transactions.
This not only speeds up checkout times but also enhances safety and hygiene, making it highly relevant in today’s fast-paced and health-conscious environment.
Real-Time SMS Alerts For Transaction Monitoring
Every time the card is used, the cardholder receives an SMS alert. This feature improves transparency and account monitoring. It helps users track their spending in real time and spot any unauthorized activities quickly.
The SMS notification system gives customers confidence in using digital payment tools by keeping them informed and in control of their finances.
Supports Online Shopping After Upgrade
While the basic Instant Card is designed for in-person transactions, users can upgrade the card for domestic e-commerce use. Once upgraded, the card supports online purchases within Nepal through secure payment gateways.
This feature adds significant value, especially as online shopping and digital payments grow across Nepal. Customers can enjoy online retail access, bill payments, and e-ticketing with ease.
Safety Tips And Secure Usage Guidelines
To enhance safety, Muktinath Bank advises all users to follow strict security practices. Customers should memorize their PIN and avoid writing it down. They must shield the ATM keypad while entering the PIN and avoid using predictable numbers like birthdays.
If the card is lost or stolen, customers should report it to the bank immediately. Additionally, keeping ATM receipts until they are verified with monthly statements is recommended. These steps reduce the risk of card fraud and unauthorized usage.
Clear And Transparent Fee Charges
The fee structure of the Muktinath Instant Card is user-friendly and transparent. Balance inquiry and cash withdrawal at Muktinath Bank’s ATMs are completely free. When using other banks’ ATMs in Nepal, customers get five free transactions per month. After that, each transaction is charged at NPR 15.
In India, the charges are NPR 50 for balance inquiries and NPR 250 for cash withdrawals. These costs are competitive for a cross-border Visa debit card service.
Daily And Monthly Transaction Limits
Muktinath Bank has set structured limits to ensure safety and compliance. In Nepal, ATM withdrawal limits are NPR 25,000 per transaction, NPR 100,000 daily, and NPR 400,000 monthly. For POS transactions, the per-transaction limit is NPR 50,000, with daily and monthly limits of NPR 300,000 and NPR 600,000, respectively.
In India, ATM withdrawal limits are INR 10,000 per transaction, day, and month. For POS in India, the card allows up to NPR 50,000 per transaction, with daily and monthly caps of NPR 100,000 and NPR 160,000.
These limits provide enough flexibility for personal and business use while maintaining account security.
Ideal For Digital Banking And Daily Spending
The Muktinath Instant Card is not just a debit card. It is a tool designed for modern banking and cashless living. It replaces the need to carry large sums of money and offers users greater control over their financial activities.
The card suits a wide audience—working professionals, college students, travelers, and online shoppers—who want safe and reliable banking access across Nepal and India.
How To Apply For The Muktinath Instant Card?
To obtain the Instant Card, customers need to open a savings or current account at any Muktinath Bank branch. The card is issued on the spot and becomes active immediately. The card remains valid for five years.
Muktinath Bank also offers full customer support for card-related issues and upgrades. More details, including terms and conditions, can be found on their official website.
Conclusion
With contactless functionality, real-time alerts, cross-border acceptance, and instant issuance, the Muktinath Bank Instant Card stands out as a leading digital banking solution in Nepal. It supports the nation’s push toward financial digitization and provides customers with a fast, flexible, and secure way to manage their money. Whether at home, on the move, or shopping online, this card makes banking seamless and stress-free.
For more:- Muktinath Bank Instant Visa Card