Credit Card
What is Freedom unless you can enjoy it?
A credit card that truly puts you in control of your money, Laxmi Bank’s VISA Credit Card comes with exceptional financial benefits:
- No Stress Payment
- Flexi Payment
- Hassle-Free Payment
Credit Card Hotline: 014371484
Choose a payment structure that meets your needs
No Stress Repayment
Pay per your convenience. While you may buy a product anytime, you can choose to pay in parts per your convenience. All you have to do is pay a minimum of 5% of the total outstanding each month and the balance in installments that suit your budget.
Flexi Payment
The Bank provides the freedom to all our cardholders to make flexible payment of any percentage above 5% of their total outstanding each month which facilitates to manage their personal finance accordingly.
Hassle-Free Payment
You have a variety of payment modes on your monthly credit card bills. You can pay in any of our cash counters, make payment through standing instructions and through our very own Internet banking “Laxmi iBank”.
Credit Card Transaction Limit (VISA Network)
| For POS | ||
|---|---|---|
| Limit Type | Within Nepal | Within India |
| Per Transasction | NPR 100,000.00 | NPR 100,000.00 |
| Per Day Limit | NPR 100,000.00 | NPR 100,000.00 |
| Per Month Limit | NPR 200,000.00 | NPR 100,000.00 |
| For POS | ||
|---|---|---|
| Limit Type | Within Nepal | Within India |
| Per Transasction | NPR 25,000.00 | NPR 15,000.00 |
| Per Day Limit | NPR 100,000.00 | NPR 15,000.00 |
| Per Month Limit | NPR 200,000.00 | NPR 100,000.00 |
Cash Withdrawal max 10% of Credit Limit
Note: Some of the banks may charge ATM Access Fees differently for VISA cards used on their ATMs.
Interest free period
Enjoy interest free period of 45 days upon using Laxmi Bank’s Credit Card *
Month End Statement Summary
Do you know where you spend your hard-earned money? Your Laxmi Credit Card month End Statement Summary combines all your transactions during the month thus enabling you to plan better.
Our Credit card is accepted in all VISA’s 5,000 ATMs and 300,000 Point of Sales (POS) in India and Nepal, which give you instant accessibility in this region.
*Please confirm your Credit Card cycle to enjoy this facility.
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3D Secure Service
3D Secure is a new service from Laxmi Bank, in association with Nabil Bank and VISA, that lets you shop online securely using Laxmi Bank Credit Card, which may be used only on merchant websites that subscribe to services of “Verified By Visa™” (VbV). 3D Secure Service provides you with One Time Password (OTP) to protect your online transactions.
Now, you can purchase almost anything on the internet around the clock at your convenience. The registration is easy and simple. You can register to 3D secure services by following the link below (recommended) or at the time of online purchases. For further details or registration, please click here.
Disclaimer: Please note that Laxmi Bank as an associate member of Nabil Bank can offer the services in the above page to Laxmi Bank cardholders. Service Charges, Terms and Conditions and other aspects of the services remain the same and apply to Laxmi Bank cardholders when used.
To know more about Smart FoneLoan, please Click he
Security Features of 3D Secure Service website:
Laxmi bank
This is the standard brand mark of Laxmi Bank Limited as appears on the homepage of the Bank’s website.
Nabil Bank
This is the standard brand mark of Nabil Bank® Limited and appears on the homepage of Bank’s website.
Verified by Visa
Brand mark of Visa International authorizing 3D Secure Service and will appear on all screens of 3D Secure Service you interact with while making online payments through your Nabil Bank Visa credit/debit card.
Verified by Visa
Brand mark of Visa International authorizing 3D Secure Service and will appear on all screens of 3D Secure Service you interact with while making online payments through your Nabil Bank Visa credit/debit card.
Electra Card Services
This brand mark of Electra Card Services, the exclusive official partner of Nabil Bank in hosting 3D Secure Service services, will appear on the homepage of 3D Secure Service website.
DigiCert Inc
This brand mark of DigiCert Inc., which is the Digital Certificate Provider for 3D Secure Service, will appear on the home page on 3D Secure Service website.
Digital Certificate verified by DigiCert Inc
Look for the green colored Digital Certificate verified by DigiCert Inc on the top left to the address bar of your browser. The image above is just a sample for reference.