BOK Debit Card provides direct access to funds in your account providing you with functionalities such as Point-of -Sale purchase, ATM cash withdrawal, account balance enquiry etc.
Your BOK Visa Debit card is accepted in more than 300,000 merchant outlets of all kinds in India and Nepal giving you the power and convenience for purchase without the risk and hassle of carrying cash. If you need to have cash for any reason, more than 30,000 ATMs are available in all parts of Nepal and India for dispense of cash upon your request.
Please be informed that your BOK visa debit card is in deactivated mode as a precautionary safety measure and you will need to change the PIN Number given to you to by the bank to a four digit number of your choice at BOK ATM Terminal or contact BOK Card Division at 4427398 for the activation of your card prior to use between 7:00 AM to 11:00 PM. Even after the activation of card by contacting Card Division, you are required to change the PIN given by the bank on the first use of your
card at BOK ATM terminal.
Please sign on the signature panel at the back side of the card immediately upon receipt. You are further requested to change the PIN provided to you for the activation of the card before any other use.
We request you to go through this brochure to learn more about BOK Visa Debit Card and best practices on use.
Features of BOK Visa Debit Card
BOK Visa Debit card is a licensed product of Visa international and is compliant to mandate of Visa in terms of quality, service and security.
BOK Visa Debit Card is Valid in Nepal and India only.
BOK Visa Card can be used in electronic environment only i.e. merchant locations with POS terminals and ATM terminals with Visa acceptance logo will accept your card.
BOK Visa Debit Card is linked to your account and can be used up to available balance in your account for the purchase and cash withdrawal. However to mitigate fraud risk a ceilings on a single transaction and daily usage has been set.
BOK Visa Debit Card has a validity of 3 years from the issuance date however charge for the same will be taken annually. If there are no funds in you’re a/c your card will be automatically blocked.
BOK Visa Debit Card will be renewed automatically upon the expiry of card unless you instruct BOK otherwise 60 days prior to expiry of card.
Daily Withdrawal Limits
For security reasons the maximum ATM and POS withdrawal from your account is limited to NPR 2 00,000/- and 20 transactions per day.
Advantage of BOK Visa Debit Card
You will be spared from the hassles of carrying cash and risk of it being stolen or lost.
You will have the convenience of using fund in your account without coming to our branch furthermore the card can be used in India also.
You can check balance in your account and get information of withdrawal and deposits without coming to bank.
You will be able to use the fund in your account 24 hours 365 days a year.
BOK Visa Debit Card comes with the brand of Visa International and the status of owning a card with the brand.
Measure to be taken on BOK Visa Debit Card
Sign on the signature panel at the back side of the card with an inerasable black ballpoint pen.
Please go to the nearest BOK ATM Terminal and change your PIN for the activation of your card.
If there is no BOK ATM in your vicinity you can call up on telephone number 4427398 to activate your
card between 7:00 AM to 11:00 PM. The operator on the line will ask you some security questions as per your application form. You are required to answer them correctly for the activation. However you will need to change the PIN given by the bank on the first use of your card at BOK ATM terminal.
Change the PIN Number of your card given by us to a convenient number of your choice periodically.
Please avoid easy guessing numbers like your date of birth, house number etc. Do not write down the pin number neither disclose it to any other person.
Do not divulge your card number and card details to any other person neither give them your card.
Do not perform ATM transactions in the presence of a second person.
Please verify the amount on the charge slip before affixing your signature.
As far as possible do not let the cashier out of sight with your card.
Note down the details of card and Bank contact numbers separately and inform the bank immediately upon the loss/misplacement of card. BOK is available from 7:00 AM till 11:00 PM.
Do not put your card in the areas where there is a high magnetic field.
Do not let the magnetic stripe of the card get scratched / broken.
Please note that a new card will have to be issued to you in case your BOK Visa Debit Card is captured in ATM terminals in India during transaction .There is no provision of handing the captured card to you by the banks in India.
Your transaction on BOK Visa Debit card will be reflected in the bank account held with us. Please check the statements of your account periodically. Any dispute/error on the posted amount should be communicated to bank in writing within 30 days of the transaction posting date.
Acceptance of BOK Visa Debit Card
BOK Visa Debit Card is accepted in more than 300,000 merchant locations in Nepal and India in different sectors like airlines, hotels, travel agencies, restaurants, department stores, general stores, clothing stores, hospitals, schools, colleges petrol pumps etc. The locations will have a display of Visa acceptance and point of sale machine installed. You will not need to pay extra for using your card for
purchases however some locations like petrol pumps, Indian railway etc. which are allowed surcharge by Visa may take surcharge on transactions. Furthermore the merchant may not honor the card or lessen the discount percentage while doing sales with discount.
All you need to do is present your card instead of cash while making payments. The merchant will swipe your card in point of sale terminal and you will have to verify the amount and affix your signature on the card to show your acceptance of card.
There are more than 30,000 ATM terminals where you can withdraw cash in need and enquire balance of your account. You shall have to insert proper PIN number and punch the required amount.
Charges will apply on these transactions if done outside BOK network.
Fee and charges applicable in BOK Visa Debit Card
The following charge will be applicable for the usage of BOK Visa Debit Card*
Annual Fee NPR 200.00
Replacement Fee NPR 150.00
Re-issuance Fee NPR 150.00
Pin regeneration Fee NPR 100.00
ATM Cash Withdrawal on BOK ATM NIL
Balance Enquiry on BOK ATM NIL
ATM Cash Withdrawal Other ATMs NPR 150.00or 0.5% of TXNS amt.
Balance Enquiry Other ATMs NPR 50.00
ATM Cash Withdrawal SCT Network NPR 30.00
Balance Enquiry SCT Networks NPR 10.00
ATM Cash Withdrawal at HBL ATM NPR 15.00
Balance Enquiry HBL ATM NPR 5.00
*These rates are subject to change without prior notice.
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