💳 Credit Card vs Debit Card – Which One Should You Use in Nepal?
In Nepal, both debit and credit cards are used for online payments, shopping, travel bookings, and more. But which one is better for your needs? Let’s understand the difference.
1. 🏦 Debit Card (ATM Card)
- Linked to: Your bank account
- Spending limit: Limited to your account balance
- Use: ATM withdrawals, online shopping, POS machines
Pros: No debt, easy to get, good for controlling spending
Cons: No credit score, no cashback or rewards, less protection for fraud
2. 💳 Credit Card
- Linked to: Credit line from the bank (borrowed money)
- Spending limit: Based on your bank-approved credit limit
- Use: Online subscriptions (Netflix, Canva), hotel bookings, international payments
Pros: Build credit score, EMI facility, fraud protection, global use, rewards & cashback
Cons: High interest if not paid on time, risk of overspending
💡 Tip: If you travel, shop internationally, or need flexibility, a credit card is better. But if you want to avoid debt and spend only what you have, stick with a debit card.
📌 Top Credit Cards Available in Nepal (2025)
- Nabil Bank Visa Credit Card
- NIC Asia Global Credit Card
- Nepal Investment Mega Bank Credit Card
- Global IME Visa / MasterCard
- Himalayan Bank American Express
🔍 Topics:
- How to get a credit card in Nepal
- Credit card vs debit card Nepal
- Best bank for international card in Nepal
Published by Barala Finance Guide • Updated 2025 • Visit Blog
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Nepal