Credit Card

The JBBL domestic credit card is an EMV chip-based secured card, providing a convenient and cashless way to make immediate payments for various expenses. It is commonly utilized to purchase goods and services through Point of Sale (POS) terminals, serving as a convenient alternative to traditional cash payments. This Visa credit card is accepted at all Visa POS and ATM terminals located in Nepal and India.

Eligibility

Any Nepalese citizen
Individuals with stable and regular sources of income

Features

Hassel-free solution of carrying cash
Easy tap-to-pay feature
Free transaction alert service for each card transaction.
Billing information in both mobile and email.
Valid in Nepal and India
Online Shopping (E-Commerce) facility in Nepal and India.
Easy bill payment through JBBL Account/Mobile Banking App/connect IPS/eSewa or over the counter.
Supplementary Card for immediate family members
Advance cash withdrawal facility of 10% of the credit card limit
Convenient payment options of 10% & 100%.
Validity 5 Years

Transaction Limits

Limits	Nepali (NPR)	India (INR)
Per Transaction (ATM)	25,000	10,000
Per Transaction (POS)	100,000	62,500
Per Day (ATM)	50,000	10,000
Per Day (POS)	200,000	100,000
Per Day (E-commerce)	200,000	100,000
Daily Transaction Count	10	10

* Transaction Limit shall be changed as per NRB circulars.

Card Service Fee & Charges

Issuance/Joining Fee (Customer)	NPR. 500
Annual Fee	NPR. 700
Card- Reissuance Fee	NPR. 500
Supplementary Card Issuance Fee	NPR. 500
PIN Re-generation Fee	NPR.150
Limit Enhancement Fee	NPR. 500
Late Payment Charge	NPR 500
Balance Inquiry From JBBL ATM	Free
Balance Inquiry From Other ATM	50
PIN Change From JBBL ATM	Free
Credit Limit	Up to 1.5 times of monthly income
Cash Limit	10 % of Credit Limit
Interest Rate	2% per month
Cash Withdrawal From JBBL ATM	NPR. 200+2% of transaction amount OR max 2000
Cash Withdrawal From Other Bank's ATM	NPR. 250+2% of transaction amount OR max 2000
Cash Withdrawal in India	NPR. 300+2% of transaction amount OR max 2000
Dispute Management Fee	As per VISA Rule
Transaction Alert Service	Free
Ecommerce Activation	Free
Card Unblock Pin Refresh Fee	Free

Documentation required availing JBBL Credit Card Facility:

For Salaried personnel

Credit Card Application form duly filled and signed.
Passport Size Photographs (2 Copies).
Copy of Citizenship Certificate/Passport/PAN.
Salary Certificate/ letter from employer disclosing the designation and present salary.
Copy of Bank Account Statement for last three months.
No income certificate required for those who would like to take credit card against lien on Fixed Deposit, Current or Saving Account maintained at JBBL.

For Business Income Earners/Self-employed

Credit Card Application form duly filled and signed.
Passport Size Photographs (2 Copies).
Copy of Citizenship Certificate/Passport/PAN.
Registration documents\PAN and latest tax clearance certificate.
Financial Statement of last two years.
No income certificate required for those who would like to take credit card against lien on Fixed Deposit, Current or Saving Account maintained at JBBL.

Click here to download the Application for Jyoti Visa Credit Card

Please contact us for any Credit Card related support to:

DB-Operation Unit
Jyoti Bikash Bank Limited
Corporate Office
Kamalpokhari-01, Kathmandu, Nepal
Phone: 01-5970306/307 Email: card@jbbl.com.np
Or
Jyoti help desk
Phone: 01-4525575
Mobile number: 9802314440 (WhatsApp/Viber)
Email: crm@jbbl.com.np

Quick & Easy Access