Best Credit Cards in Nepal 2026 — Fees, Interest & Rewards Compared
Compare credit card interest, fees, networks and grace periods in Nepal for 2026 (Asar 2083).
Here is what to compare on credit cards in Nepal for Asar 2083 (June 2026): the card network, the annual interest rate, the annual fee, and the interest-free grace period.
Credit cards at a glance
| Card | Network | Interest (p.a.) | Annual fee | Grace period |
|---|---|---|---|---|
| Nabil Visa Domestic Credit Card | Visa | 27.00% | — | — |
| Nabil Visa International Credit Card | Visa | 27.00% | — | — |
| Nabil Mastercard Credit Card | Mastercard | 27.00% | — | — |
Market snapshot
Card interest runs from 27.00% to 27.00% a year, averaging 27.00%. On a Rs 1.00 lakh balance carried for a year, that is roughly Rs 27,000 in interest at the average rate — and more with monthly compounding.
How credit card interest, grace and fees work
If you pay your full statement balance by the due date you pay no interest — the grace period covers you. Carry a balance and interest applies from the statement, compounding monthly, so the true annual cost is higher than the headline rate. The annual fee is a flat yearly charge; many banks waive it if you spend above a threshold.
How to choose
Pick the lowest interest rate if you might carry a balance, the lowest annual fee if you always pay in full, and the longest grace period for breathing room. A widely accepted network (Visa/Mastercard) matters for overseas use.
Eligibility in Nepal
Banks typically require a steady income (salary or business), citizenship/KYC documents, and a clean credit history. Limits are set against your income or a fixed-deposit lien.
How we sourced these figures
Every rate on this page is taken from each institution's published rate sheet for the Asar 2083 (June 2026) period and cross-checked against Nepal Rastra Bank (NRB) disclosures. We re-verify the numbers each Nepali month, and the comparison table and the figures quoted in the text are generated from the same dataset — so they always agree. You can explore the live, filterable data on the BFIS Compare comparison page.
Related comparisons
Rates are revised every Nepali month and can change. Figures are for Asar 2083; always confirm the current number on the BFIS Compare comparison page before you apply.
Frequently asked questions
How is credit card interest charged in Nepal?+
On any balance unpaid after the due date, compounding monthly. Pay in full and you owe no interest.
What is the grace period?+
The interest-free window between your statement and due date — pay within it and you avoid interest.
Can I avoid the annual fee?+
Often yes — many banks waive it if your yearly spend exceeds a set threshold.
What do I need to apply?+
Steady income, citizenship/KYC documents, and a clean credit history.
How is my credit limit decided?+
Against your income, or secured by a fixed-deposit lien.
Which network should I pick?+
A widely accepted one (Visa/Mastercard) if you shop or travel abroad.
Written by
Sandeep Kumar ChaudharyFounder of BFIS Compare, writing about Nepal's banks, deposit rates and loans. sandeepkumarchaudhary.com