Saturday July 22,2017

NabilSmart Visa International

Get your travel card as your travel companion each time you travel abroad….make your foreign trip fully secure, convenient and hassle free with smart alternative to paper based instruments like cash, Bank Draft & traveler's cheque etc.

Eligibility: Individuals (major) travelling abroad are eligible to apply for travel prepaid card.

Key Features

  • Perfect Travel Companion
  • Instant (over the counter) Issuance
  • Avail your card without having bank account
  • Get your personalized card (not issued over the counter)
  • EMV prepaid Card (CHIP +PIN based) for secured withdrawals, purchase and online payment solutions
  • Easy & Convenient way to register your card for online purchase with Nabil e-Secure
  • 4 years validity
  • Unlimited/wide acceptance worldwide except India
  • Get SMS and E mail alert of your transaction
  • Hassel free solutions of carrying cash

Required Documentation Checklist

  • Photos (PP size)
  • Citizenship Certificate/Passport with valid VISA
  • Confirmed Air Ticket
  • NRB permit (as applicable)

Frequently Asked Questions (FAQ’s)

What is Nabil International Prepaid Card?

Nabil International Prepaid Card is a chip based prepaid card introduced in partnership with Visa Worldwide Inc. The card offers you a convenient and secure way to carry forex currency. This card offers you the freedom to shop anywhere in the world except India and provides access to the currency of your destination at competitive market rates. It can be used at Visa ATMs and Merchant establishment worldwide.

Can non-traveler purchase International Prepaid Card?

No, International Prepaid Card is issued only to Travelers visiting countries other than India.

Who can purchase International Prepaid Card?

We issue International Prepaid Card to customers travelling abroad on the basis of valid passport/confirmed air ticket, or NRB permit (as applicable).

Who should I contact for my replacement Card? Is there a charge for replacement?

You can request at your nearest Nabil Bank branches or Cards & e-Banking Division for replacement of your International Prepaid Card. The charge towards replacement of International Prepaid Card is given in our schedule of fees/charges.

How can I check the balance on my International Prepaid Card?

You can check the balance of your International Prepaid Card by requesting Prepaid Card account statement at any of our nearest branches.

How do I know if an ATM will accept my International Prepaid Card?

International Prepaid Card is accepted at Visa ATMs. Please look out for the VISA logo while searching for an ATM.

Do I need to pay additional amount over and above Cash withdrawal Charges levied by the Nabil Bank for ATM transaction?

In certain countries, ATM service providers are authorized to charge ATM Access Fee from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by Nabil Bank and Nabil Bank has no control over the charges as these charges are not levied by the bank.

What documents should I submit when I purchase International Prepaid Card?

You just need to submit completed application form, valid passport, visa and confirmed air ticket.

How does this card work?

Your International Prepaid Card is activated, however you need to change the PIN provided by the bank prior to your first transaction. Please note that the PIN can be changed in Nabil Bank ATMs only. Then you can use the card at any international location for making payments at POS terminals or to withdraw cash at ATMs.

Can I issue Cheque for loading of International Prepaid Card?

Customer can load International Prepaid Card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realization of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized.

Where do I get this card?

International Prepaid Card (Personalized) is issued from Cards & e-Banking Division and International Prepaid Card (Non-personalized) is available over the counter at any of Nabil Bank branches which is issued instantly. You simply need to visit your nearest Nabil Bank branch with required documents and walk out with International Prepaid Card.

How can I cancel my International Prepaid Card?

To cancel your International Prepaid Card, please visit your nearest Nabil Bank branch and please fill-up cancel/refund of card balance request form available at the branch.

Who should I contact if my card is lost or stolen?

If your card is lost or stolen please contact at our hotline service numbers i.e. +977-1-4226681, +977-1-4228538 & Viber helpline service number +977-9802002095 immediately that is open from 7:30 AM to 10:30 PM throughout the year. They will block your lost/stolen card instantly.

What is the maximum value for which the card can be used?

You can withdraw/utilize any amount, up to the value loaded on International Prepaid Card at any ATM/POS. However, there are some ATMs service providers which have put in per day/per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases, you might need to do multiple transactions if you want to withdraw any amount higher than that allowed in one transaction. Please refer to welcome letter provided by the Bank related to transaction velocity prescribed on the International Prepaid Card.

Do I need to have Nabil Bank account to purchase Nabil International Prepaid Card?

No, you don't need to have an account with Nabil Bank to purchase Nabil International Prepaid Card. You can just walk into any of our Nabil bank branches and purchase it over the counter on submission of relevant KYC documents, passport along with Visa, confirmed air ticket etc.

Do I need to change PIN of my card before use?

Yes, you need to change PIN provided by the Bank at any of Nabil ATMs prior to your first use of the card. Please note that PIN can be changed at Nabil ATMs only.

What happens if my card is lost?

In case your card gets lost or stolen, all you have to do is contact our Card Hotline Service Numbers i.e. +977-1-4226681, +977-1-4228538 or Viber Helpline Services No. +977-9802002095 immediately that is open from 7:30 AM to 10:30 PM throughout the year, and report the loss of your card. They will block your lost card instantly. Then you can request at your nearest Nabil Bank branches or Cards & e-Banking Division for replacement of your International Prepaid Card to transfer balance from your lost card to replacement card. Balance transfer will be carried out instantaneously.

Can I make online payments using International Prepaid Card?

Facility of making e-commerce payments is available on International Prepaid card. However, as a security feature you will first need to register your card using NabileSecure service to enable e-commerce facility. Please visit trusted merchant websites only to protect your confidential information like card number, expiry dates, CVV etc.

Step 1: Log on to NabileSecure service

Step 2: Enter details of your prepaid card, confirming your identity

Step 3: Create your 3D secure password and your security question

Once register successfully, e-commerce facility will be available on your card.

Can the value of the card be topped up?

Yes, your International Prepaid card can be reloaded multiple times in future till the card gets expired.

I have renewed my passport with new number. Do I need to update my new Passport number in my International Prepaid Card?

Yes, we request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records.

What do I need to know about Nabil International Prepaid card?

Embedded with a chip, this International Prepaid card offers you a convenient and secure way to carry your foreign currency. With this card, you can shop anywhere in the world except for India.

Are there extra charges to be aware of?

There are also certain ATMs in other countries that may levy a charge for transactions made by non-bank customers. These fees are normally displayed during the transaction. Check for this, so that you can decide if you want to proceed with the transaction.

Is there a usage limit?

No upper limit for usage limit on Point of Sale transactions. Usage is restricted to the extent of balance available in the card.

In which currencies International Prepaid card is available?

International Prepaid card will have USD loaded on to it (just like Traveler's Cheque). The Card will work in all countries except in India and will dispense local currencies only on usage at ATMs, but in case the International Prepaid card is used in say Europe, conversion charges from USD to Euro will be applicable.

Why should I use Nabil International Prepaid card?

Nabil International Prepaid card ensures that you have a hassle free business or pleasure trip abroad. Instead of spending time changing money though banks or money changers, this card ensures that you have 24 hours instant access to your funds. Apart from time and effort, you would also save money by getting the most competitive foreign exchange rates. Since it is a pre-paid card, it also helps you budget and plan your expenses. It also ensures that you spend your time in your business or leisure trip or abroad productively with an assurance of having an access to a wide network of people who is in standby in case you were to need any help.

How does this International Prepaid card work?

Your International Prepaid card is loaded with funds at the time of purchase. You can use the card for cash withdrawal or for shopping at merchant outlets. With each transaction, the remaining value on the card decreases. You can continue to use your card as long as some funds remain on the card account. You can reload the card with more funds before your next trip when you return to Nepal.

What is the amount one can load on purchase?

Usage of International Prepaid card should be in strict accordance with Nepal Rastra Bank (NRB) foreign exchange regulations.

How can I maximize saving using International Prepaid card?

You can maximize saving by using the card at POS terminal, swiping the card to make payment rather than withdrawing currency from ATMs and thereby incurring ATM withdrawal charges.

How International Prepaid card is secured against unauthorized payments at merchant outlets and cash withdrawals from ATMs?

The International Prepaid card comes with advanced security features. To make payments at merchant outlets and withdraw cash from ATM using the prepaid card, customers need the confidential ATM-PIN which is available only to the customers. The ATM-PIN is issued at the time of card purchase. Customers need to change the ATM-PIN provided by the bank and remember 4 digit PIN number and destroy the document. Please note that the ATM-PIN can be changed in Nabil Bank ATMs only. Do not write in on the card. The card would be blocked after 3 unsuccessful PIN attempts. This ensures that anyone having access to the card cannot use the card.

How does International Prepaid card work?

Following are the step for using International Prepaid card.

  • The cashier inserts the chip card in the POS terminal.
  • The chip card must remain in the terminal till the transaction is completed.
  • If the merchant accidentally swipes the card at the place of inserting the card, the terminal will automatically identify it as a chip card. The terminal will force the cashier to insert chip card instead of doing a swipe.
  • If the POS terminal does not have chip facility, the card can be used for normal magnetic stripe swipe on the POS terminal.

How is Chip Card better than a magnetic strip card?

The chip card is also known as EMV Card. EMV is the brand name of EMV Co. EMV stands for Europay MasterCard Visa. This organization has set the standards for payment cards with chip. Due to the increasing fraud and misuse with the payments done by magnetic stripe cards, the smart EMV cards have been developed according to the EMV standard in order to prevent fraud and misuse. This makes the chip card more secure against card fraud than cards that rely only on data encoded in a magnetic stripe on the back of the card.

How to make payment at the Merchant Outlets?

    • Look for Visa sign to check whether the merchant accepts card payments
    • Card will be swiped/dipped in POS terminal after purchase
    • Wait for the transaction slip
    • Sign on the transaction slip
    • You can retain a copy of transaction slip with original bill of purchase
    • Enter your 4 digit ATM-PIN in case merchant asks for PIN after dipping the card

Please note some merchants may ask you to enter your 4 digit PIN while making the payment through International Prepaid card. Use the same 4 digit ATM-PIN for such type of transactions. On successful entry of 4 digit ATM PIN in the POS terminal will authorize your transaction, and if wrong PIN was entered then transaction will be declined.

How to make ATM Cash Withdrawal transactions?

  • Look for Visa logo to check whether the ATM accepts your International Prepaid card.
  • Insert your card in the specified slot and select the language.
  • Enter your 4 digit ATM-PIN.
  • Select the relevant option (Withdrawal / Balance inquiry).
  • Select the type of account as "Checking/Current" option.
  • The ATM will process the request and dispense cash in local currency or display the available balance.
  • When asked for a receipt, press Yes/No.
  • Do not forget to collect your card (and receipt if applicable) after the transaction.

Please note some of the ATM acquirers charge an additional ATM fee also most of the ATMs have the capacity to display/dispense amount in local currency. Please check this before usage.

Terms & Conditions

1. Definitions

In these terms and conditions

a) "The Bank" means Nabil Bank Limited acting through its branches/units and includes its representatives, assigns, successors and/or agents.

b) "Card" or " Prepaid Card" means applicable prepaid card issued by Nabil Bank to a card member and includes replacement cards

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Fees & Charges

Particulars Charges

Subscription Fee

USD 5.00

Annual Fee

USD 5.00

Recharge or Reload Fee

Nil

Cash Advance Fee From Nabil ATM

Nil

Cash Advance Fee From Other ATMs

Minimum USD 3 or 1.5% whichever is higher

Balance Enquiry Fee From Other ATMs

USD 0.50*

Exception Listing Fee (Stop, Unblock)

Nil

PIN Reissuance Fee

USD 3.00

Card Reissuance Fee

USD 5.00

Card Replacement Fee

USD 5.00

Pre-Scheduled Renew & Renewal on Demand Fee

USD 5.00

Card Conversion Fee **

USD 5.00

Cross Border Fee

USD 1% of txn amt

NabileSecure Registration Fee

USD 1.20

NabileSecure Re-registration Fee

USD 1.20

NabileSecure Annual Fee

USD 1.20

NabileSecure Transactions Fee

Min USD 0.50 or 0.5% whichever is higher

Retrieval Request/Request for Copy Fee

NPR 250 per transaction

Dispute Management Fee

NPR 500 per transaction

Statement Fee older than six months

NPR 50 per page

Returned Cheque Fee

Nil

Balance Certificate Issuance Fee

NPR 1,000.00

2USD - Valid Worldwide except India

*Only for balance enquiries made outside Nabil's ATM network or POS network as applicable

**Un-personalized to Personalized card or vice versa

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