• Chip Based (EMV) Credit Card for secured transactions.
• Wider acceptance in Nepal and India.
• Accepted in all Point of Sales (POS) machines and ATMs where VISA card is accepted.
• Easy/ Flexible mode of payment.
• Revolving credit facility
• Credit free period from 15 to 45 days.
• Nominal fee and charges.
• Cash Credit Limit/ Cash Withdrawal Limit: Up to 25% of credit limit.
• Card Validity of 3 years.
• SMS Alert of every transaction.
• An ultra compact solution for carrying cash

• Duly Filled Application Form
• Citizenship Certificate/ Valid Passport Copy
• 1 unit of PP size Photograph
• Residence location map
• Present address verifying documents (Electricity Bill Payment Voucher/ Landline Phone Bill Payment Voucher/ Land Ownership Certificate)
• Income Certification:
• Salary Certificate in case of Salaried Applicant
• Registration related document and Profit & Loss Account (Audited) in case of self employed Applicant

* Interest will be charged from the date of transaction if the Total Amount Due is not paid within the payment due date.

How can I apply for Prime Visa Credit Card?

You should follow the below procedures to get the Prime Visa Credit Card.

i. Visit nearest branch of Prime Commercial Bank Limited for application form or download an application form from our webpage from here.
ii. Fill up the application form for Prime Visa Credit Card.
iii. Submit the fully filled application form with required documents to the respective branch.
iv. Collect your Prime Visa Credit Card and Pin Code at the specified day provided by the bank.

Do I need to complete all the information on my credit card application?

You need to complete all the information requested in credit card application form for further processing of your credit card request. If you did not complete all the information you may experience delays or Bank may reject your credit card application.

What is the use of Mobile number and Email Address in credit card application form?

Mobile number is important for Bank to send transaction alerts of your every credit card transaction and email address is to send bill statement of your credit card on bill statement date and to provide information related to credit cards.

When will I receive my new credit card?

If your application is approved, you’ll receive your Prime Visa Credit Card and credit limit information within five business days from the date of approval.

What will my credit limit be?

After evaluating your application Bank will determine what your credit limit should be.

Where should I contact if my credit card transaction is declined?

If your credit card transaction is declined please contact at our 24X7 support Toll Free Number 16600116016 'OR' Direct line of card centre +977 1 4425922 (available during office hour only) to get support and to know the decline reason.

What should I do if my credit card is lost or stolen?

When your credit card is lost or stolen please contact at our 24X7 support Toll Free Number 16600116016 'OR' direct line of card centre +977 1 4425922 ( available during office hour only) immediately. They will block your lost or stolen credit card instantly.

How can I secure my credit card against any fraud or theft?

Prime Visa Credit Card is chip (EMV) based highly secured cards but you should take precaution to secure your transactions. You must follow below mentioned minimum security terms to secure your transaction against fraud or theft.

 

i. Immediately change the PIN as soon as you receive it from your bank.
ii. Don't tell your PIN to others.
iii. Don't allow others to use your Debit/Credit cards.
iv. In case of lost/theft of your credit card, inform your Bank to block your card as soon as possible.

Can I change/ update my mobile number/ email address? How can I update that?

If your mobile number and email address is changed please visit to the nearest branch of Prime Commercial Bank Limited and simply submit an application. Bank will update your new mobile number and email address for your credit card.

How my credit card transactions are billed?

Prime visa credit card transactions are billed ranging from first day to last day of every month as per the Gregorian calendar and normally bill statement is dispatched via email and bill amount through mobile SMS.

What is the billing date for my Prime Visa Credit Card?

Prime Visa Credit Card Bill Statement date is day-end of first day of every month as per the Gregorian calendar.

When will I receive the credit card bill statement?

Credit card bill statement is sent to the email address and Total bill amount is sent through the SMS on second day of every month as per the Gregorian calendar.

What is the payment due date for my credit card bill?

Prime Visa Credit card bill payment due date is 16^th day of every month as per the Gregorian calendar.

How much should I pay at the time of payment due date?

Prime Visa Credit Card has flexible payment options where applicant can select payment option while filling up the credit card application form.

 

Cardholders have flexibility for selecting payment options either to pay Total Amount Due (TAD) or Minimum Amount Due (MAD). Credit card bill payment can be made ranging from Minimum Amount Due (MAD) to Total Amount Due (TAD) and remaining unpaid bill amount is carried forward to the next billing statement.

How can I pay my credit card bill?

Credit card bill amount can be paid either using Auto Debit Facility or Manual Payment Option.

What is Auto Debit Facility?

Auto Debit facility provides a facility to nominate a saving/current account to deduct the credit card bill amount at the time of bill payment due date. Bank will deduct the bill amount from an account that cardholder has nominated. Credit card holder should deposit the credit card bill amount in his/her nominee account as provided.

What is Manual Payment Option?

Credit cardholder for whom Auto Debit Facility has not been enabled, don’t have account with Prime Commercial Bank Ltd. or wants to use Manual Payment Option must deposit the bill amount over the counter by filling up Credit Card Payment Deposit Slip with mentioning credit card no. and credit cardholder's name.

What happens if I miss to pay the Total Amount Due (TAD) within payment due date?

If you miss to pay the total amount due, you will be charged interest from the date of transaction (POS Purchase/ Cash Withdrawals) to the date you make payment.

What happens if I miss to pay the Minimum Amount Due (MAD) within payment due date?

If you miss to pay the Minimum Amount Due, you will be charged interest from the date of transaction (POS Purchase/ Cash Withdrawals) to the payment date as well as Late Payment Fee (LPF).

What is Total Amount Due (TAD) and Minimum Amount Due (MAD)?

Cardholders have flexibility for selecting a payment option either to pay Total Amount Due (TAD) or Minimum Amount Due (MAD). Total amount due is the total bill amount of credit card that cardholder had used over the preceding month. Minimum Amount Due (MAD) is minimum amount of total bill that the cardholder should pay to regularize the credit card bill payment schedule and to avoid Late Payment fee as well. Minimum Amount Due (MAD) is fixed as per the request of customer while filling the application form.

How interest fees are levied?

An interest charge is the sum of interest on your credit card account. It is broken down by transaction type: purchases, cash advances. If you pay either less than the full bill amount or fail to pay within the payment due date, then card system will calculate and charge interest on those purchases/ cash withdrawals.

Can I pay credit card bill from my Prime Bank's saving/ checking accounts through online?

Yes, you can make online payments of credit card bill in two different ways. First, you can transfer the credit card bill amount from any of your accounts to the nominated account by using Bank Smart Facility of our bank.
Second, you can pay the credit card bill amount by using Esewa service.

What should I do if I have to raise transaction dispute (POS/ATM cash withdrawal)?

If you have to raise any credit card transaction disputes, you should duly fill-up the credit card transaction dispute form from (here) and submit either to the nearest branch or mail the scanned copy of credit card transaction dispute form to card.prime@pcbl.com.np. Bank will process further of your disputed transaction.

What is a Cash Withdrawal Limit?

The Cash Withdrawal Limit is the amount from your Total Credit Limit available for cash advances. Generally, Cash Advances refers to ATM cash Advances, Over the Counter (OTC) Cash Withdrawals.

How can I take cash advance/ cash withdrawal by using my credit card?

Cash advance/ Cash withdrawals can be done either by using your credit card in ATM terminals where VISA cards are accepted or fill the over the counter cash withdrawal form and submit it to the branch of our bank. Over The Counter Cash Withdrawal Form is available in any branch office of the bank.

Can I use my Prime Visa Credit Card for online transactions?

Currently, we do not have the online transaction facility by using our credit card.

Where can I use my credit card?

Prime Visa Credit card can be used in any POS terminals and ATM terminals where VISA cards are accepted.

What should I do to activate my credit card?

Please visit any ATM terminals of Prime Commercial Bank Ltd. or any ATM terminal of Member Banks and change the password that you have provided by the bank. Please visit the webpage of our bank for updated list of member banks.
http://primebank.com.np/service/visa-member-banks-list