Visa Debit Card
Laxmi Bank Visa Debit Card can be used in 2.5 million merchant outlets for the purchase of goods or services & approximately in 400,000 ATMs across Nepal and India that display the “Visa” logo. This card is designed to offer you security and convenience in managing your personal finances.
As a security measure, we advise you to sign on the reverse of the Card immediately and also change your PIN during your visit to a Laxmi Bank ATM. The debit card is EMV card and is a Chip and PIN module. Thus, you will have to enter your 4 digit PIN at the merchant location to process your transaction.
The card is also Verified by Visa (VbV).
Verified by Visa is a unique service offered by Visa International that uses a One Time PIN (OTP) to protect a cardholder against unauthorised use. Once activated, your Visa Card number cannot be used for online purchases at participating Merchants without the One Time PIN (OTP) that is sent via SMS to your mobile phone that is registered with the Bank. Alternatively, you can also choose to receive the OTP at your registered email address.
The ATM card allows the cardholder to withdraw cash, inquire about account balance, print mini statements and transfer funds between accounts. The card can also be used to pay for purchases in various stores, restaurants, shops and other merchant establishments having Point of Sales (PoS) terminals. The Card has unique feature of cardless cash which can be used in any of the Laxmi Bank’s ATM to remit fund.
Card Withdrawal Limits
| In Nepal |
|---|
| Maximum NPR 25,000.00 per transaction |
| Maximum NPR 100,000.00 per day |
| Maximum NPR 400,000.00 per month |
| Maximum use of card 25 times per day |
| In India |
|---|
| Maximum INR 15,000.00 per transaction |
| Maximum INR 15,000.00 per day |
| Maximum INR 100,000.00 per month |
Apply Now for a Visa Debit Card
The Card is valid for 5 years from the date of issuance and subject to card charges which will be debited from your account.
We request you to read the terms and conditions governing use of the Card carefully and refer to the current page for updates on terms and schedule of service charges. Please do not hesitate to contact your nearest Laxmi Bank branch or our Cards & Digital Channel Operations through 01-4371484, 4373181, 437183 or Email: card@laxmibank.com in case of further queries or problems.
Frequently Asked Questions
Verified by Visa is designed to give you an extra level of protection against unauthorised card use when making online purchases with your Laxmi Bank Visa Card. This is also called a 2 Factor Authentication which means you need access to both – your card and mobile phone and/or email, to complete an online payment.
All VISA Debit Cards issued by Laxmi Bank have Verified by VISA certification.
“Verified by Visa” is available as soon as your registration is confirmed successful by the Bank.
Online Merchants (Stores) will display the logo on their website (or payment page). These sites will automatically recognize that your card is registered for the service.
This would imply that the online merchant is not yet enrolled in the Verified by Visa service. You can choose to use this merchant and complete your transaction however it is strongly recommended that all online commerce be done only with trusted merchants.
Yes, you can register for “Verified by Visa” with your existing valid Laxmi Bank Visa Debit Card.
In case of a renewal card (card number is the same as you previous card) your earlier registration will continue to be valid. However, if you receive a new card (with a new number) then you will need to re-register your new card by following the steps mentioned above.
If you need help registering your card, you can contact the Card Service center at 977-1-4371484 from 8 Am till 8 PM or email at cardsupport@laxmibank.com