Advertisement
NepseTrading
BFIS Compare
रू

Best Credit Cards in Nepal

We found 43 products

Compare credit cards from Nepal's commercial banks by interest rate, annual fee and grace period. Most Nepali cards charge around 2% a month (about 24% a year), so the rate you pay matters.

Used well — cleared in full within the interest-free period — a credit card can cost nothing. We sort by the lowest annual rate so you can find the cheapest to carry.

Sorted by lowest annual interest rate. Always pay within the grace period to avoid interest.

Lowest interest cards

Product typeAPR
Lowest-rate credit card18.00%See more
All credit cards18.00%See more

More cards

Product typeAPR
Debit cardsSoon
Prepaid cardsSoon
Travel / dollar cardsSoon

Coming soon

Product typeAPR
Gold / Platinum cardsSoon
Rewards cardsSoon
Dollar (USD) cardsSoon

Compare credit cards

43 products

HimalayanVisa/Mastercard Gold International Credit Card GoldLowest APR
Rate p.a.
18.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
HimalayanVisa Classic International Credit Card Classic
Rate p.a.
18.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
SCBUSD Visa Gold Credit Card Gold
Rate p.a.
18.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
2.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
ADBLADBL Visa Credit Card
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Free tool

Work out your monthly EMI in seconds

Enter the amount, rate and tenure — see your repayment before you apply.

EverestVisa Domestic Credit Card
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
45
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Global IMEVISA Domestic Classic Credit Card Classic
Rate p.a.
24.00%
Annual fee
—
Grace days
45
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
HimalayanVisa/Mastercard Classic Domestic Credit Card Classic
Rate p.a.
24.00%
Annual fee
Rs 1,000
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
HimalayanVisa/Mastercard Gold Domestic Credit Card Gold
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
HimalayanAmerican Express Gold Domestic Credit Card Gold
Rate p.a.
24.00%
Annual fee
Rs 1,500
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
HimalayanAmerican Express Blue/Green Domestic Credit Card
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
KumariVisa Credit Card (Domestic)
Rate p.a.
24.00%
Annual fee
Rs 1,000
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
KumariVisa Credit Card (International)
Rate p.a.
24.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
KumariKumari Fonepay Virtual Credit Card
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
—
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Nepal BankNBL Visa Credit Card
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
45
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Stay ahead

Rates change every Bikram-Sambat month

Get the best deposit and loan rates delivered before they move.

NIC AsiaNIC ASIA VISA Credit Card
Rate p.a.
24.00%
Annual fee
Rs 2,000
Grace days
45
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
NIMBNIMB Visa Gold Credit Card Gold
Rate p.a.
24.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
NIMBNIMB Visa Classic Credit Card Classic
Rate p.a.
24.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
PrimePrime Visa Classic Credit Card Classic
Rate p.a.
24.00%
Annual fee
Rs 1,000
Grace days
15
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
PrimePrime Gold Credit Card Gold
Rate p.a.
24.00%
Annual fee
Rs 1,500
Grace days
15
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
PrimePrime USD Credit Card
Rate p.a.
24.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
SanimaSanima Domestic Credit Chip Card Classic
Rate p.a.
24.00%
Annual fee
Rs 1,000
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
SanimaSanima USD Credit Card Classic
Rate p.a.
24.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
SiddharthaSiddhartha Standard Credit Card Classic
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
SiddharthaSiddhartha Platinum Credit Card Platinum
Rate p.a.
24.00%
Annual fee
Rs 5,000
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Borrowing?

Compare 400+ loans across 20 banks

Home, auto, business, margin & more — find your lowest effective rate.

SiddharthaSiddhartha Uno Credit Card
Rate p.a.
24.00%
Annual fee
Rs 1,000
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
SiddharthaSiddhartha Fonepay Credit Card
Rate p.a.
24.00%
Annual fee
Rs 750
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Laxmi SunriseVisa Classic Credit Card Classic
Rate p.a.
27.00%
Annual fee
Rs 1,000
Grace days
45
Network
visa
Min payment
5.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Laxmi SunriseVisa Platinum Credit Card Platinum
Rate p.a.
27.00%
Annual fee
Rs 5,000
Grace days
45
Network
visa
Min payment
5.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
NabilNabil Visa Domestic Credit Card
Rate p.a.
27.00%
Annual fee
Rs 0
Grace days
—
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
NabilNabil Visa International Credit Card
Rate p.a.
27.00%
Annual fee
—
Grace days
—
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
NabilNabil Mastercard Credit Card
Rate p.a.
27.00%
Annual fee
Rs 0
Grace days
—
Network
mastercard
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
NMBNMB Bank Visa Credit Card Classic
Rate p.a.
30.00%
Annual fee
Rs 5,000
Grace days
45
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
NMBNMB Bank Visa Platinum Credit Card Platinum
Rate p.a.
30.00%
Annual fee
Rs 8,000
Grace days
45
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
PrabhuPrabhu Visa Credit Card
Rate p.a.
30.00%
Annual fee
Rs 1,000
Grace days
45
Network
visa
Min payment
10.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Explore

Every bank, profiled in one place

Products, branch network, base rates and contacts — all in one profile.

SCBVisa Classic Credit Card Classic
Rate p.a.
30.00%
Annual fee
Rs 750
Grace days
—
Network
visa
Min payment
2.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
SCBVisa Platinum Credit Card Platinum
Rate p.a.
30.00%
Annual fee
Rs 1,500
Grace days
—
Network
visa
Min payment
2.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
CitizensVisa Credit Card (Domestic)
Rate p.a.
—
Annual fee
—
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
CitizensVisa Credit Card (USD)
Rate p.a.
—
Annual fee
—
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Global IMEVisa International Gold Credit Card Gold
Rate p.a.
—
Annual fee
—
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
MBLMBL Credit Card
Rate p.a.
—
Annual fee
—
Grace days
45
Network
visa
Min payment
5.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
MBLMBL International Credit Card
Rate p.a.
—
Annual fee
—
Grace days
45
Network
visa
Min payment
5.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
MBLMBL Student Credit Card
Rate p.a.
—
Annual fee
—
Grace days
45
Network
visa
Min payment
5.00%
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
RBBRBB Visa Credit Card (Contactless)
Rate p.a.
—
Annual fee
—
Grace days
45
Network
visa
Min payment
—
Features
Card figures are indicative — confirm interest, fees and grace period with the bank.
Advertisement

How to choose a credit card in Nepal

A credit card is cheap or expensive depending on how you use it. Here's how to choose and use one well:

1

Know the monthly interest: Most Nepali cards charge about 2% per month — roughly 24% a year. A lower rate matters most if you ever carry a balance.

2

Use the interest-free grace period: Pay your statement in full within the grace window (typically 15–45 days) and you pay no interest at all.

3

Watch the minimum payment: Paying only the minimum (usually 10% or NPR 1,000) leaves the rest accruing interest — it's the most expensive way to use a card.

4

Weigh the annual fee against perks: Higher-tier cards charge more but may add lounge access, insurance and a higher limit. Pick for how you'll use it.

5

Mind cash-advance costs: Cash withdrawals carry a fee and start charging interest immediately — there's no grace period on cash.

6

Pay in full to stay free: Cleared within the grace period every month, a credit card effectively costs nothing while building your credit history.

Types of cards

Nepali banks issue several card types for spending, travel and access to cash.

Credit Card

Borrow up to a limit and repay monthly. Around 2%/month interest, with an interest-free grace period if paid in full.

Debit Card

Spends directly from your account. Issued with most accounts; low annual fee and wide ATM/POS acceptance.

Dollar (USD) Card

A prepaid or credit card in USD for international use, subject to NRB's annual foreign-exchange limit.

Travel Card

Prepaid foreign-currency card for trips abroad, letting you lock a rate and control spending.

Gold / Platinum

Premium tiers with higher limits and extras such as lounge access and travel insurance. Higher annual fee.

Rewards Cards

Cards offering points or cashback. Still rare in Nepal — a clear gap, and one to watch as the market matures.

Disclaimer

All rates and fees are subject to change without notice. Demo figures shown here are illustrative. Please confirm interest rates, fees and terms with the bank before applying.