Mastercard
Himalayan Bank
Himalayan MasterCard Gold
Annual Fee
NPR 3,000
Interest Rate
2.50%/mo
Cashback
0.25%
Lounge Access
No
Key Benefits
- Contactless payments
- 1.5 reward points per NPR 100
- Zero liability on lost card
- EMI facility
Compare Similar Offers
See how Himalayan Bank Himalayan MasterCard Gold stacks up against other cards before you decide.
|
Himalayan Bank Himalayan MasterCard Gold Viewing |
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Nabil Bank Nabil Visa Classic |
|
|---|---|---|---|---|
| Network | Mastercard | Mastercard | Visa | Visa |
| Annual Fee | NPR 3,000 | NPR 1,000 | NPR 1,500 | NPR 2,000 |
| Interest Rate | 2.50%/mo | 3.00%/mo | 2.75%/mo | 2.50%/mo |
| Cashback | 0.25% | 0.00% | 0.00% | 0.00% |
| Lounge Access | No | No | No | No |
| Currently viewing | View Details | View Details | View Details |
Frequently Asked Questions
Is there a minimum income requirement for a credit card?
Most banks require a minimum monthly income, usually starting around NPR 25,000–50,000 depending on the card tier.
What happens if I miss a credit card payment?
You’ll be charged a late payment fee and interest on the outstanding balance, and repeated missed payments can affect your CIB credit record.
Can I upgrade or downgrade my credit card later?
Yes, most banks let you upgrade or downgrade after a few months of account history, subject to eligibility.
How is the credit limit decided?
Banks assess your income, existing debts, and credit history to set a limit that fits your repayment capacity.
Are there any charges for using the card abroad?
Most cards apply a foreign currency markup (typically 2–3.5%) on international transactions — check your specific card’s terms.