Fonepay Credit Card: Nepal's Revolutionary Virtual Credit Solution

Transforming digital payments across Nepal with cutting-edge virtual credit technology 

Nepal's digital payment landscape has undergone a remarkable transformation, and at the forefront of this revolution stands the Fonepay Credit Card, the nation's first fully virtual credit card scheme. This groundbreaking financial tool brings the power of credit directly to your smartphone, eliminating the need for physical cards while providing unprecedented convenience and accessibility.

With over 1.7 million merchant locations accepting Fonepay QR payments nationwide, from local shops to high-end retailers, the Fonepay Credit Card has a wide range of accessibility. Furthermore, this service of Fonepay is a secure, seamless, and paperless experience while adding a change in the digital economy of Nepal. 

Banks Offering Fonepay Credit Cards in Nepal  

Currently, the following banks are offering Fonepay Virtual Credit Card services:  

• Citizens Bank International  

• Laxmi Sunrise Bank  

• Everest Bank  

• Kumari Bank  

• Shine Resunga Bank  

• Mahalaxmi Bikash Bank  

• Garima Bikash Bank 

What Makes Fonepay Credit Card Special? 

The Fonepay Credit Card is a comprehensive digital credit ecosystem designed for modern Nepal. This fully functional virtual card solution empowers users with unmatched convenience, flexibility, and complete control over their credit experience. 

Key Innovation: Scan any Fonepay Business QR code across the country and pay instantly using credit all through your existing mobile banking app. 

Benefits and Features of Fonepay Credit Card 

Below are some of the benefits that you can get by using a Fonepay Credit Card: 

100% Virtual, 100% Powerful 

• No Physical Card Required: Your credit card lives securely in your smartphone 

• Instant Access: Available directly through your mobile banking app 

• Zero Paperwork: Completely digital application and management process 

Nationwide Acceptance 

• 1.7+ Million Merchants: From neighborhood tea shops to premium shopping centers 

• Universal QR Compatibility: Works with every Fonepay Business QR code in Nepal 

• Complete Coverage: Urban centers to remote villages — pay anywhere, anytime 

Lightning-Fast Setup

• Instant Issuance: Get your card activated within minutes 

• Real-Time Activation: No waiting periods or lengthy approval processes 

• Seamless Integration: Works with your existing mobile banking app 

Flexible Financial Management 

• Customizable Repayment: Choose 10% minimum or pay 100% monthly 

• 45-Day Interest-Free Period: Extended grace period for smart money management 

• Real-Time Tracking: Monitor spending and manage budgets instantly 

• Smart Budgeting Tools: Stay on track with built-in financial controls 

Security & Convenience 

• Advanced Encryption: Bank-grade security for all transactions 

• PIN Protection: Secure transaction verification 

• Instant Notifications: Real-time alerts for all activities 

How to Get Your Fonepay Credit Card 

Getting started is incredibly simple — follow these streamlined steps: 

Step1: Log in to your Mobile Banking App 

Step 2: Tap the Fonepay Credit Card Banner at the home screen 

Step 3: Swipe up to Get Started 

Step 4: Set your desired credit limit, review and accept terms & conditions 

Step 5: Select your preferred repayment option 

Step 6: Set this card as your Primary payment Account  

Step 7: Verify your Details and confirm  

Step 8: Enter you Transaction PIN for final verification 

Step 9: Set Fonepay Credit Card as your default payment method 

Card Ready: Your virtual credit card will be active within seconds! 

Limited Time Offer for New Users: 

The new users of the above-mentioned banks can get 50% off, up to Rs 500, while making payments from Fonepay Credit Card. This offer is valid from Bhadra 11 for limited time period only. 

Terms and Conditions 

Following are the terms and conditions regarding the Fonepay Credit Card Campaign Offer: 

• Offer valid from Bhadra 11, 2082 for a limited period. 

• Exclusive to new Fonepay Virtual Credit Card users 

• Maximum cashback capped at NPR 500 per user 

• Cashback applies only to Virtual Credit Card transactions via Fonepay QR 

• One user can have the limit up to Rs. 500. For instance, if the user consumes Rs. 100 cashback for the first time, the user can get Rs. 400 cashback in the next transaction unless there is full consumption of Rs. 500. 

• Fonepay and partner banks reserve the right to change or withdraw services or offers at any time without prior notice 

Application Guidelines: 

• Terms may vary between different partner banks 

• Consult your mobile banking app for bank-specific conditions 

• Visit your nearest branch for detailed information 

• Eligibility criteria determined by individual banks 

The Future of Digital Finance in Nepal 

The Fonepay Credit Card represents more than just technological advancement, it's a paradigm shift toward a truly digital economy. By combining the convenience of virtual cards with the extensive reach of Fonepay's merchant network, this solution addresses the real needs of modern Nepali consumers. Whether you're a tech-savvy professional, a small business owner, or someone new to digital payments, the Fonepay Credit Card offers an intuitive, secure, and powerful way to manage your financial life. Application terms and conditions of this service may vary from bank to bank. So, people who want to apply for this service, please read the information provided while applying for the card on your mobile banking app or visit the nearest branch of your bank to get detailed information on this service.