EBL (Everest Bank) Debit Card acts as an electronic Cheque, which enables you to have direct access to your bank account, for fulfilling your daily payment and cash requirements. It is an alternative payment method to cash and cheques, which enable you to pay directly during purchases of goods and services from merchants (POS Outlets) or draw cash from ATM terminals.

Everest Bank is serving two brands of card product :

  • SCT – UPI co-brand Debit Card: EBL Card product, affiliated with SmartChoice Technologies (SCT) with co-branding of Union Pay International (UPI)
  • Visa Debit Card: EBL Card product, affiliated with Visa Worldwide (VISA)

Features Of Sct – Upi Co-Brand Debit Card

  • Can be used to draw cash from SCT Network & UPI affiliated ATMs in Nepal and NPCI (National Payment Corporation of India) affiliated ATMs in India.
  • Accepted as the mode of payment at merchant locations (POS outlets) within the territory of Nepal and India.
  • Instant Issuance and economical charges.
  • Round the clock service.
  • No charges are levied for using EBL Debit card at EBL ATM terminals.
  • No charges are levied for the purchase of goods and services from merchant (POS) outlets.
  • SCT Debit cards are issued free of cost to all Saving Premium account holders.

Transaction Limits

Transaction Limits Nepal India
a) Transaction Limits in ATM
Maximum cash drawing limit NPR 25,000 INR 10,000
Daily cash drawing limit NPR 75,000 INR 15,000
Monthly cash drawing limit NPR 250,000 INR 100,000
Maximum Number of Transaction per day 5 5
b) Transaction Limits in POS
Maximum Transaction Limit NPR 100,000 INR 100,000
Daily Transaction Limit NPR 100,000 INR 100,000
Monthly Transaction Limit NPR 400,000 INR 100,000
Monthly Transaction Limit (Hospital, medical shops, Hotels) NPR 400,000 INR 500,000
Maximum Number of Transaction per day 10 10

Features of Visa brand Debit Card

  • Can be used to draw cash from all Visa affiliated ATMs in Nepal and India.
  • Accepted as the mode of payment at all Visa affiliated merchant locations (POS Outlets) within the territory of Nepal & India.
  • Instant Issuance and economical charges.
  • Round the clock service.
  • No charges are levied for using EBL Debit card at EBL ATM terminals.
  • No charges are levied for the purchase of goods and services from merchant (POS) outlets.
  • Offering of Discount of variable percentages, on shopping from selected stores, restaurants, hotels, hospitals etc.

Transaction Limit

Transaction Limits Nepal India
a) Transaction Limits in ATM
Maximum cash drawing limit per txn. at ATM NPR 25,000 INR 10,000
Daily cash drawing limit at ATM NPR 75,000 INR 15,000
Monthly cash drawing limit at ATM NPR 250,000 INR 100,000
Maximum Number of Transaction per day at ATM 5 5
b) Transaction Limits in POS
Maximum Transaction Limit NPR 100,000 INR 100,000
Daily Transaction Limit NPR 100,000 INR 100,000
Monthly Transaction Limit NPR 400,000 INR 100,000
Monthly Transaction Limit (Hospital, medical shops, Hotels) NPR 400,000 INR 500,000
Maximum Number of Transaction per day 10 10
c) Card less Transaction Limits in ATM
Maximum Per Transaction Limit 2000 NA
Daily Transaction Limit 2000 NA
 Monthly Transaction Limit 10000 NA
Maximum Number of Transaction per day 2 NA

Card Service Fees

SCT – UPI Card / VISA Card
Card Issuance Fee Option  1:  If upfront Payment

Option  2:  If Payment on installment

Rs. 1500

Rs.  400/- every year for four years

Card Replacement Fee
Card Re-Issuance Fee
PIN Re-Generation Fee NIL NIL

For Everest Bank Green PIN Generation Process, click here

Transaction Fees

Sr. No. Transaction SCT-UPI Card / VISA Card
ATM / POS Type
1  Cash withdraw EBL ATM
ATM, Nepal 15
ATM, India 300
2  Balance Inquiry EBL ATM
Nepal 15
India 50
3  Purchase (POS)  NIL

** Exchange Trading @ 0.15% of transaction amount is applicable for transaction done in India.

Eligibility for EBL Debit card

Any individuals or organizations, holding accounts (Saving Account, Current Account and Saving Premium Account) at any branches of the bank, are eligible to receive EBL Debit card. The existing account holders can apply at any time and new account opening customers can apply at the time of opening of the account itself.

Procedure to Apply for EBL Debit Card

  • Collect “Debit Card Application Form” from any EBL branches or Download by clicking EBL Debit Card Application Form
  • Fill up the Application Form, for the desired Debit Card type, either SCT or Visa & Submit it to the respective branch.
  • Collect your Debit card and PIN code on the same day, if you have applied for Instant card (Name Non-personalized) and have your card activated.
  • Collect your Debit card and PIN code on the specified day, if you have applied for Embossed card (Name Personalized) and have your card activated.
  • Start to use your Debit card at ATM and POS terminals, following below procedures.

How To Use EBL Debit Card?

Memorize your PIN: Once you receive Debit card, tear up PIN mailer and notice four-digit PIN number inside folded PIN mailer.

First time Forceful PIN Change: Once you receive SCT Debit card, activate it first by changing PIN provided by the bank with your own, from any Everest Bank ATM or any other SCT Switch integrated ATMs. Upon activation, use your SCT Debit Card for your desired purposes.

For Visa Debit Card, forceful first time PIN change is not required compulsorily but we recommend to change PIN for the first time as far as possible.

Use of Card at POS: For making payment from Debit card to merchant outlets, instead of paying cash, you may follow as under :

  • Give your card to merchant officials, who swipe your card at POS devices and press desired payment amounts. The merchant officials may guide you. Enter PIN if require.
  • Two receipts will then be printed for you to sign. The merchant will keep one copy and hand over the second copy to you.

Use of Card at ATM: For drawing cash from ATM terminals, follow as under :

  • Insert you Debit card in the card Reader. (In some ATM machines, you are required to pull the card inside card reader while in others you are required to dip the card in and pull it out quickly.)
  • Enter your four digit PIN number.
  • Select “Fast Cash” or select “Withdrawal”, to draw cash out from the ATM.
  • Select the desired Amount for “Fast Cash” or type desired amount for “Withdrawal” activity. This must be in multiples of 500 in EBL ATMs.
  • Make sure to take your Cash, Debit Card and a Receipt paper.

Card Lost or Stolen & Replacement of Card: In case your card is lost or stolen or you feel that your PIN number is disclosed to others, please inform to the bank immediately to block further usage of the Card.

You can receive “Replacement Card” against that Blocked card, by contacting and applying at the bank branches.

Safety Tips & Security Measures

  • Please treat your card like cash and never keep it lying around.
  • Please sign on the signature panel at the back side of your Debit card, immediately upon receipt.
  • A secret PIN code shall be provided to you in a sealed PIN Mailer. For security purpose, you are advised to memorize your PIN code and destroy PIN Mailer.
  • Do not keep your PIN with your Debit Card and do not disclose it to anyone. Always keep your PIN secure by memorizing it instead of noting it down anywhere.
  • You are advised to change PIN provided by the bank at the time of using your card for the first time and periodically thereafter.
  • Your card is only for your own use. You are advised not to permit possession of the card to any other person.
  • You are held full responsibility for the transaction carried out from your card, hence it is your responsibility to keep your card and PIN in safe custody at all times.
  • If you lose your card, report to the bank immediately to block the same.
  • Always keep the copy of the bill and the payment slip and ATM receipt for all transactions, till you verify and tally with your account statement.
  • Check your account statement on regular basis. In case of any discrepancy, please inform to the Bank within 30 days of transaction date.
  • Please do not bend your Debit Card or leave it exposed to sunlight, heat or electricity.

Terms and Conditions

The usage of Debit Card by the Cardholder has adhered with specific terms and conditions, which are mentioned at “Debit Card Application Form”. For viewing click to Terms & Conditions.

Contact Details

For further information, any difficulties and quires relating to “EBL Debit Card”, you can contact or mail directly to :

Hunting line: 00977-1-4543377

Mail address: [email protected]

Discount outlets 1