Garima VISA Debit Card — Your Key to Smart, Secure, and Convenient Banking
Unlock a world of effortless transactions and enhanced financial control with the Garima Debit Card — the perfect companion for modern banking. Whether you're shopping in-store, making online payments, or withdrawing cash from ATMs, our debit card ensures your money is accessible, secure, and manageable — anywhere in the world.
Garima Debit Card now supports 3D Secure (Verified by VISA) — an advanced authentication system that protects your card against unauthorized online transactions.
How does it work?
- Real-Time Verification: Each online purchase triggers an extra verification step — like an OTP (One-Time Password) — ensuring only you can authorize the transaction.
- Fraud Prevention: Even if someone gets hold of your card details, they can't complete the purchase without the unique code sent to your registered phone or email.
Why Choose Garima VISA Debit Card?
- Dual Functionality: Use it for ATM withdrawals, in-store purchases, or online payments — all from one card.
- Instant Transaction Alerts: Stay informed with real-time SMS notifications for every purchase or withdrawal.
- Contactless Payments: Tap-and-go for faster, hassle-free checkouts at compatible merchants.
- SCT-UPI Integration: Pay seamlessly across Nepal and India — both online and offline.
Transaction Limit:
| Transaction Type | In Nepal 'NPR' | In India 'INR' |
|---|---|---|
| Per Transaction | 25,000.00 | 10,000.00 |
| Per Day | 100,000.00 | - |
| Per Month | 400,000.00 | - |
Do's and Don'ts
| Do's | Don'ts |
|---|---|
| Keep Your Card Secure: Always store your debit card in a safe place and treat it like cash. | Never Share Your Card or PIN: Not even with family or friends — your PIN is for your eyes only. |
| Memorize Your PIN: Commit your PIN to memory — avoid writing it down or sharing it with anyone. | Avoid Writing PIN on the Card: This makes it easy for anyone who finds your card to misuse it. |
| Check Statements Regularly: Monitor your bank statements or use the Garima Digital Batuwa app to track transactions. | Don’t Use Public Wi-Fi for Transactions: Avoid shopping or checking bank details over unsecured networks. |
| Enable SMS/Email Alerts: Ensure you receive instant notifications for every transaction to spot any unauthorized activity. | Don’t Click Suspicious Links: If you receive emails or messages asking for your card details, ignore them — Garima Bank will never ask for such information. |
| Use 3D Secure for Online Shopping: When making online purchases, always shop from websites that support 3D Secure (Verified by Visa) for added safety. | Don’t Ignore Alerts: If you get a transaction alert you didn’t authorize, report it immediately. |
| Report Lost/Stolen Cards Immediately: If your card is lost or stolen, contact Garima Bikas Bank immediately to block it. | Avoid Swiping on Suspicious Terminals: If an ATM or Point-of-Sale machine looks tampered with, walk away and find another. |
| Update Contact Information: Ensure your phone number and email are updated with the bank to receive OTPs and alerts. | Don’t Overlook Expiration Dates: Keep an eye on your card’s expiry date and renew it promptly to avoid interruptions. |
For more information, kindly visit the nearest branch or contact us at 01-5970179 or 16600145444.
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