Information on Global Visa Gold International Credit Card

Visa Gold International Credit Card is valid worldwide. Any Nepalese citizen maintaining convertible foreign currency account except for Indian rupees are eligible to apply for this card. Foreign nationals maintaining bank account in convertible foreign currency can also apply for this card by submitting attested identification document from concerned embassy.

Features:

• Accepted as mode of payment worldwide
• Service charge free credit period from 15 – 45 days
• Lowest service charge rate 2% per month.
• Credit limit starts from USD 1,000.
• Cash limit will be 50% of credit limit.
• Lowest service charge – One time subscription fee of USD 50 and annual fee of USD 25.
• Card issuance within 3 working days of receipt of application with required documents.
  

Fees and Charges:

Types of Fees	Amount (US$)
A. Service Fees
1. Card Issuance Fee	50.00
2. Urgent Card Issuance Fee (Additional)	10.00
3. Annual Fee	25.00
4. Supplementary Card Fee	25.00
5. Replacement Fee	7.50
6. Re-Issuance Fee	7.50
7. Card Blocking Fee	Nil
8. PIN Re-Generation Fee	1.50
9. Limit Enhancement Fee	15.00
10. Retrieval Request Fee	5.00
11. Charge Back Handling Fee	5.00
12. Arbitration/Compliance Processing Fee	As per Visa
B. Transaction Fees
13. Cash Withdrawal from Own ATM	NA
14. Balance Inquiry from Own ATM	Nil
15. PIN Change from Own ATM	Nil
16. Mini Statement from Own ATM	NA
17. Balance Inquiry from Member Group (National Payment Network)	NA
18. Cash Withdrawal from Member Group (National Payment Network)	NA
19. Balance Inquiry from SCT Network	NA
20. Cash Withdrawal from SCT Network	NA
21. Balance Inquiry from Other Visa Network Bank	1.00
22. Cash Withdrawal from Other Visa Network Bank	5.00 or 2%
C. Service Charge
23. Service Charge (Interest)	24%
24. Late Payment Fee	5.00
25. Overlimit Fee	7.50

Procedure to Apply for Global Visa Gold International Credit Card

Click here to download Global Visa Gold International Credit Card application form.

• Fill up the application for Visa Gold International Credit Card.
• Submit it to the respective branch.
• Collect your Visa Gold International Credit Card and pin code after the specified day and have your card activated.
• You may now use your card worldwide wherever Visa is accepted.
  

Eligibility:

• Any Nepalese citizen aged 16 years and above that have a valid passport may apply for this card.
• Applicants must maintain foreign currency account preferably at Global Bank or any other commercial bank in Nepal.
• Foreign nationals who have valid visa may apply for this card after fulfilling the requirement of passport certification by the concerned Embassy.
  

Note:

• Card will be issued against Lien on FCY account maintained by the customer in any commercial bank of Nepal.

Procedure to use Global Visa Gold International Credit Card

It is very simple and easy to use your Visa Gold International Credit Card. Instead of paying cash, you can just swipe your card at the merchant location. Two receipts will then be printed for you to sign. The merchant will keep one copy and hand you over the second copy. At the end of the billing period, you will receive a statement which shows all the transactions that you have made during the past month. You are required to settle at least the minimum due amount within the due date. Failure to do so will add late payment penalty fee and interest to your statement.

Your credit card also allows for instant withdrawal of cash. This is very easy to do as described below:

• Insert you Visa credit card in the card slot. (Some ATM machines will pull the card inside the machine automatically while in others you have to dip the card in and pull it out quickly.)
• Select the language you desire either.
• Enter your pin number.
• Select withdraw funds to take money out from the ATM
• Enter the desired Amount. 
• Make sure to take your cash, credit card and a receipt.