Fonepay Credit Card
Nepal · Fonepay virtual credit
Nepal Fonepay VCC hub
Virtual credit · Fonepay QR · 9 BFIs · 2083
Fonepay merchant rule (2083)
Payments up to Rs. 2000 are free for the merchant. Payments of Rs. 2000 or more attract a 0.60% charge to the merchant, capped at Rs. 300.
Fees and caps can change — confirm the latest Fonepay / NRB merchant circulars.
Why Fonepay virtual credit card?
Fonepay Virtual Credit Card (VCC) is built for a digital-first workflow: paperless issuance, instant activation where the bank allows, and use at Fonepay merchant QR locations. It bridges revolving credit with everyday scan-and-pay habits across Nepal’s Fonepay acceptance network.
Is it different from a regular card?
Yes. A regular card is usually physical and works on POS and ATMs. Fonepay VCC is virtual and intended for Fonepay merchant QR payments — not a full substitute for every card use case.
Why is it practical?
Many banks use score-card or invitation flows so you can start without waiting for plastic delivery. There is no physical card to steal, and you may get an interest-free grace period on purchases per your bank’s terms.
Which networks are supported?
Use is tied to Fonepay QR merchants nationwide — from large hospitals and hotels to neighbourhood shops, wherever the bank’s product and limits allow.