Terms and Conditions
1. The Card and PIN issued of the Cardholder is non transferable and is entirely at the risk and responsibility of Cardholder(s). The Cardholders shall not disclose the PIN or permit possession of the Card to any other person. Cardholders(s) will be fully responsible for all the transaction carried out through the card.
2. It shall be the Bank's prerogative to accept or reject any card application and it shall not be mandatory to the Bank to disclose the reason whatsoever.
3. Supplementary Card shall be processed on request and authorization of the Primary Cardholder. It shall be the responsibility of Primary Cardholder to honor all charges/claims incurred through the Supplementary Card(s). The membership of the Supplementary Card(s) shall be subject to continuation of Primary Card Membership.
4. Any sales slip signed by the Cardholder shall be the conclusive proof of the charges recorded therein as incurred by the Cardholder and shall be charged accordingly.
5. The Bank reserves the right not to renew card and/or terminate the Card Membership at any time without disclosing any reason whatsoever.
6. The Bank will provide the Cardholder with their credit card statement on a monthly basis as stated in statement delivery option. It shall be the responsibility of the Cardholder to make timely payment even in case of non receipt of statement.
7. It shall be the sole responsibility of the Cardholder(s) to reconcile the transactions of the month with the credit card statement. Any dispute on the Card transaction should be lodged to Card Center within 10 days of statement date to avoid rejection due to delay in lodging the claim with Visa/MasterCard.
8. The cardholder undertakes the responsibilities of any fraudulent transactions occurred in the card due to improper safekeeping and/or handling of card, card details and PIN. Any financial loss incurred due to such fraudulent transactions shall be liability of the cardholder himself/herself.
9. For the cancellation or renewal of the Card, the Cardholder shall provide written instruction to the Bank one month prior to the expiry date specified in the Card.
10. In case of any dispute, prevailing rules and regulations of Himalayan Bank and Visa/MasterCard credit card shall prevail.
11. The Cardholder shall not use the Card after the notice of termination of Card Membership. Such activity is considered as fraudulent and may be subject to legal action.
12. Upon termination of membership of the Card for any reason whatsoever, the Cardholder shall return the card to the Card Center within 7 days from the date of receipt of notice. The Cardholder shall be liable for payment of the bills arising out of use of the Card till Card is not surrendered to the Bank.
13. It shall be the responsibility of the Cardholder to inform the Bank regarding lost/stolen of Card/PIN. Bank shall not be liable for any transaction incurred through lost/stolen Card.
14. Issuance of replacement Card or PIN shall be subject to prevailing charges as per the Bank's schedule of charges.
15. The Bank shall have no liability or responsibility for non-availability of ATM services or POS Terminal Merchant Outlets due to any failure, interruption or daily in performance of any instruction resulting from breakdown, failure or malfunction of any telecommunication or computer system or from any circumstances resulting from natural calamities whatsoever not reasonably under the Bank's control.
16. The Cardholder undertakes to indemnify the Bank and to keep the Bank indemnified against all losses, damages, cost or expenses incurred and sustained by the Bank arising out the Cardholder's failure to observe any of the terms and condition herein mentioned.
17. The Cardholder shall not use the Card for any act prohibited by Nepal Rasta Bank or any other applicable law of the country. The Cardholder shall be bound by all the prevailing rules of Himalayan Bank Ltd., Nepal Rastra Bank and Government of Nepal and in the event of failure to so abide, the Cardholder shall bear any resulting damage, penalties and/or action as a consequence thereof.
18. The Bank reverses the right to amend these terms and conditions at any time without prior notice to the Cardholder and such amended terms and conditions shall be binding on the Cardholder.
19. Membership fee is applicable at the time of subscription only. Annual fee will be levied annually. Both Membership fee and Annual fee will be additionally levied on each Supplementary Card. Fees and Charges are subject to change without prior notice. Please check our official website: www.himalayanbank.com for the prevailing fees and charges.

1. The card is the property of the Bank and must be returned within 7 days of receipt of notice for termination of membership or withdrawal of privileges of the card for any reason whatsoever or on the expiry of the card. 2. The Card is not transferable under any circumstances and can be used only by the cardholder. 3. The Bank reserves the right to seize/cancel the card issued, if found at any date, the information submitted by such cardholder is false or the card has been misused. 4. The Bank reserves the right to terminate membership, withdraw the privileges attached to the card or not renew the expired card at any time and to call upon the cardholder to surrender the card with or without assigning any reasons whatsoever.
5. Use of the card after notice of withdrawal or termination of the membership is fraudulent and may be subject to legal action by the Bank in accordance with the prevailing law
6. Security of the card and the PIN issued to the cardholder are entirely at the cardholder's risk and responsibility. The cardholder undertakes full responsibility for any and all transactions made by the use of the card whether of not made with his/her knowledge or authority.
7. The cardholder agrees to inform the Bank in writing regarding lost/stolen, damage of card and disclosure of PIN. The cardholder will be held liable for all the transactions received prior to this notification.
8. The Bank shall not be responsible in any way for non-availability of ATM services or POS terminals at Merchant outlets for any reason whatsover arising as a result of malfunctionioning of the Card or ATM or POS, insufficiency of funds in such machines, mechanical of power supply failure or otherwise.
9. The Bank deserves the right to call for the additional deposit, if the card by any means cross the amount greater than the amount deposited.
10. The cardholder undertakes to indemnify the Bank and to keep the Bank indemnified against all losses, damages, cost or expenses incurred and sustained by the Bank arising out of cardholder's failure to observe any of the terms and conditions herein mentioned.
11. As per Nepal Rastra Bank's regulation, cardholder has to submit documents to the bank for Cash Advance transaction more than INR 100,000/- at any given time, as and when required by the bank.
12. The Bank reserves the right to amend these terms and conditions at any time with or without prior notice to the cardholder and such amended terms and conditions shall be binding on the cardholder.