Digital Hub

Virtual Credit Card

Seamless, Secure, and Instant Digital Payments

The EBL Fonepay Virtual Credit Card offers a faster, safer way to pay—perfect for digital lifestyles. Instantly issued to existing customers, it enables you to:

  • Shop at over 1.4 million Fonepay QR merchants (including retail stores, hospitals, hotels, and more)
  • Settle bills in seconds, anytime
  • Benefit from up to 45 days interest-free credit if paid within the due date

Accepted Nationwide across the Fonepay network.

Key Features

Instantly Available

  • Apply and get your virtual credit card instantly via the EBL Touch 24 Mobile Banking App.

Scan & Pay

  • Pay securely by scanning any Fonepay QR code.

Real-Time Control

  • Track your spending and manage your budget conveniently from your phone.

45 Days Interest-Free

  • Enjoy zero interest on your purchases if you pay your full due amount within the grace period.

Flexible Repayment Options

  • Clear your bill in full or pay a minimum amount (NPR 1,000 or 10% of the outstanding balance, whichever is higher).

Transparent Rates & Limits

  • Credit Limit: NPR 50,000 – 500,000
  • Interest Rate: 2% per month (applied after the 45-day grace period)
  • Transaction Limits:
    • Max per transaction: NPR 100,000
    • Daily QR purchase limit: NPR 300,000

Fees & Charges

Fee Type Amount (NPR)
Joining / Issuance 850
Annual Renewal 850
Late Payment 500
Over-Limit 500
EMI Processing 500
Limit Enhancement 500
Dispute Management 500
Auto-Pay Failure 500

Who Can Apply?

  • Nepalese citizens aged 21 years and above
  • Minimum monthly income of NPR 25,000 (from salary or business)

How to Get Your Card

  1. Instant Digital Issuance:
    Apply directly through the EBL Touch 24 app and receive your virtual card within seconds.
  2. Visit Your Branch:
    Submit the application form and required documents at your nearest branch.

Documents Needed

  • Citizenship certificate copy
  • Passport-size photo
  • Salary certificate (for salaried applicants) / business documents (for self-employed)

Need Assistance?

Terms & conditions apply. Please read the full T&C before use.

Why Choose EBL Fonepay Virtual Credit Card?

  • Get your card instantly—no waiting.
  • Accepted by over 1.4 million merchants nationwide.
  • Enjoy zero interest if dues are cleared on time.
  • Smart budgeting and spending controls built-in.

Apply now and enjoy hassle-free, reliable digital payments!

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