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Garima Virtual Credit Card
Nepal’s digital credit card — instant, secure, and accepted nationwide via Fonepay.
Instant • Virtual • Secure
Get it from Garima Digi Batuwa Mobile Banking App
Key Features
Instant Access
Create and use your virtual credit card within seconds from the Garima Digi app.
Scan & Pay Anywhere
Accepted at 1.7 million+ Fonepay merchants across Nepal.
Smart Spending
Real-time expense tracking and budgeting inside the app.
Interest-Free Period
Enjoy up to 45 days of interest-free credit.
Flexible Repayment
Choose to pay 10% of the monthly outstanding as minimum payment or settle the full amount by the due date. Manage payments easily through the Garima Digi app.
Who Can Apply?
Individuals with a stable income source (salary, FD interest, or business income) and a good credit history are eligible.
Documents Required
- Recent passport-size photograph
- Copy of Citizenship / NID / Valid Passport
- Official ID Card (if salaried)
- Latest Salary Certificate (for salaried applicants)
- Company Registration & PAN/VAT (for business applicants)
- Latest 6 months' bank statement
Grievance Handling Officer
Mr. Ishowari Prasad Dhakal
+977 9851350881 / 014545424 Ext: 104/131 gunaso@garimabank.com.np
Fd Rates
Product Comparison
Fixed Deposits
9.00%
Less Than 2 Cr
Individual Deposit (2 Yrs < 30 Mth)9.00%
Less Than 2 Cr
Individual Deposit (2 Yrs < 30 Mth) More Rates Open Fixed Deposite