A Comprehensive Guide to Sanima Bank’s VISA Card Ecosystem
10th November 2025, Kathmandu
Sanima Bank Limited offers a meticulously structured range of Visa-based credit, debit, and prepaid cards designed to cater to the diverse financial needs of its clientele. From seamless domestic and cross-border transactions within the South Asian region to specialized payment solutions for international travel and online commerce, Sanima Bank’s card services prioritize convenience, security, and exceptional value.
Sanima Bank Card Services
This comprehensive ecosystem ensures that individuals, salaried professionals, and international travelers are equipped with the right tool for every financial scenario, all while embracing the security and wide acceptance of the Visa network.
I. Sanima VISA Domestic Credit Card: Flexible Finance for Everyday Life
The Sanima VISA Domestic Credit Card is the bank’s primary credit solution, providing financial flexibility for major purchases and everyday spending. Its usage extends across Visa merchant locations and ATMs in both Nepal and India, fully supporting both POS and essential e-commerce transactions.
Eligibility and Financial Features
To ensure responsible lending, the bank has clear criteria: applicants must be Nepalese citizens aged 20 to 65, with a minimum monthly salary of NPR 20,000 or an annual self-employment income of at least NPR 240,000. The required documentation is straightforward, including Citizenship proof, a photograph, salary or business proof, and property documents if required for security.
The card’s features are highly competitive, offering a free credit period of 15 to 45 days and a transparent, competitive interest rate of 2% per month. Customers benefit from flexible repayment options, allowing them to pay a minimum of NPR 1,000, 10% of the outstanding balance, or the full outstanding balance.
Cross-Border Transaction Limits
The credit card is a powerhouse for regional use, with high transaction ceilings:
Nepal: Per transaction limit is NPR 200,000, with a daily ceiling of NPR 300,000 and a monthly ceiling of NPR 600,000.
India: The limits are substantial for cross-border needs: INR 100,000 per transaction, daily, and monthly, providing ample financial access while traveling.
II. Sanima VISA Domestic Debit Card: Daily Convenience and Cash Access ️
The Sanima VISA Domestic Debit Card is the essential card for accessing funds directly from a savings or current account. It provides functionality for cash withdrawal from ATMs, POS payments, and online payments within Nepal and India.
Usage and Fee Structure
The card has a 4-year validity and offers fundamental features like cash withdrawal, POS usage, online payment capability, balance inquiry, and the Green PIN facility for enhanced security. The card is issued with an Issuance/Re-issuance fee of NPR 500. For transactions at other banks, the fees are set: NPR 15 for ATM withdrawal on other banks in Nepal and INR 250 for withdrawal at ATMs in India. Essential services like PIN regeneration cost NPR 150, and a card unblock request costs NPR 100.
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Withdrawal and Transaction Limits
Nepal: ATM withdrawal is capped at NPR 20,000 per transaction and NPR 50,000 daily, with a monthly limit of NPR 300,000. POS and e-commerce limits are significantly higher, at NPR 200,000 per transaction, NPR 300,000 daily, and NPR 600,000 monthly.
India: ATM withdrawal is limited to INR 15,000 per transaction and INR 15,000 daily, with a monthly limit of INR 100,000.
III. Specialized Foreign Currency Cards: Travel and Online Commerce ✈️
Sanima Bank provides two specialized USD cards to meet the specific demands of international travel and online purchasing, strictly adhering to Nepal Rastra Bank (NRB) regulations.
Sanima VISA Dollar Travel Card
This dedicated travel card is for foreign travel (excluding India and Bhutan), offering worldwide acceptance at ATMs and POS terminals. Eligibility requires Nepalese passport holders with a valid visa and confirmed air ticket.
Usage and Fees: The card has a 4-year validity and offers instant issuance. The Issuance/Re-issuance fee is USD 10 or NPR 1,200, whichever is higher.
Limits: The limits are set for traveler convenience: USD 1,000 per transaction for ATM withdrawal, with a daily limit of USD 1,500 and a monthly limit of USD 2,500. The POS/e-Commerce limit is a single ceiling of USD 2,500 per transaction, daily, and monthly.
Sanima USD eCard
The Sanima USD eCard is strictly for online transactions in USD, facilitating international payments for educational purposes (like IELTS, TOEFL, SAT), as well as digital platforms (Facebook, YouTube, etc.) as permitted by NRB.
Eligibility and Fees: Customers with a Sanima Bank savings or current account, a PAN number, and updated KYC can avail of this card. The Issuance/Re-issuance fee is NPR 500. The card offers highly convenient online top-up services via Sanima Sajilo eBanking or the bank’s website for a fee of NPR 300, while a branch visit top-up costs NPR 500. The card is designed for online payments only, has a 4-year validity, and can be blocked if used in violation of Nepalese laws or AML/CFT provisions.
Through this diversified card portfolio, Sanima Bank ensures that whether a customer is transacting locally, travelling regionally, or paying for international services, they have access to a secure, convenient, and compliant payment method, solidifying the bank’s commitment to supporting the financial aspirations of its customers in a digitally connected world.
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