BNBL VISA Credit Card

If you are frustrated about carrying cash while traveling, nervous about theft, misplacing your cash and embarrassed while paying for dinner with your business associates in cash, we have the solution. In January 2005, we launched Bhutan’s first globally accepted Gold Visa Credit Cards. For more details, visit us at your nearest BNB office.

How to Apply:

  • Pick up a credit card application form (a pdf version is available HERE)
  • Fill it up and submit it to the nearest BNBL branch/extension office. It should be accompanied by all the documents (checklist of the required documents is on the form). Once the full set is received by us, we conduct a credit check with the other financial institutions before beginning the credit process.
  • After approval, you will be required to complete the documentation as required by the Credit Department. Thereafter, the card is printed and you will be informed to collect it from the branch/extension nearest to you.
  • The card is issued for an initial period of 5 (five years) and renewed if required
  • We issue a single card that works both for INR and USD
  • As per RMA regulations, the maximum annual limit on credit cards is USD 1,000.00 and INR 50,000 per month. This is subject to change as per approval of the RMA.
  • Corporate credit cards can have higher limits as approved by the RMA.

Specific conditions for Salary based Credit Cards are:

  • Must be a Bhutanese citizen and an employee of the Government, Listed Company who is a PF member.
  • A Departmental undertaking form should be signed by the head of the Organization that you are working for.
  • All other documents listed in the form (as required by the bank) should be submitted.

Specific conditions for Collateral based Credit Cards are:

  • Must be a Bhutanese citizen.
  • Must put forward fixed collateral in the form of land, building, listed company shares (other than BNBL shares) and fixed deposits.
  • The credit limit will be based on total collateral value. (50% of the total value of the collateral)

Primary and Supplementary Cards:

The primary card is issued in the name of the applicant, who can further apply for two supplementary cards (for his/her intimate family members).

Card Fees

Card TypeVISA Credit
New Card FeeNu. 1,499.00
Supplementary CardNu. 599.00
Annual FeeNu. 599.00
Replacement FeeNu. 200.00
PIN Regeneration FeeFree
Renewal FeeNu. 599.00

Forms and Documents for VISA Credit Card

TypeFile NameDate ModifiedSize

pdf
BNB Department Undertaking 8:55 am 06/18/2021690.2k

pdf
Credit Card Replacement Form 12:54 pm 07/01/2021204.2k

pdf
Payment Authorization 4:02 pm 06/06/201810.8k

pdf
Supplementary Card 12:35 pm 06/18/2021484.7k

pdf
VISA Credit Card 12:35 pm 06/18/2021522.1k