Features
- Fully digital—no physical card required.
- Easily accessible through the BankSmart XP.
- Accepted nationwide at all Fonepay QR merchants.
- Customers can manage their card via BankSmartXP—view credit limit, outstanding balance, and transaction history.
- Flexible repayment options: pay 10% of monthly usage or settle the full amount.
How to Apply for Siddhartha Fonepay Credit Card (SFCC) ?
Eligible customers can apply for the Siddhartha Fonepay Credit Card by following the steps below:
- Update the App - Make sure your BankSmartXP app is updated to the latest version.
- Login & tap on the card - Log in to the app and tap on the “Get your Virtual Credit Card Now” banner on the homepage.
- Check Your Limit - Swipe up on the card shown on the screen to view your pre-approved credit limit.
- Set Your Limit - Choose your preferred credit limit (within the approved range), accept the terms, and tap “Continue”.
- Payment Setup - Your minimum payment will be 10% of spending or NPR 1,000 (whichever is higher). This amount will be auto-debited on the due date.
- Select Billing Date - Choose your preferred billing date and tap “Continue”.
- Choose Account for Auto-Debit - Select the account linked with your BankSmartXP app for automatic payment.
- Review & Confirm - Check all details, agree to auto-debit, and tap “Confirm”.
- Card Issued Instantly - Your virtual credit card will be issued instantly and दिखाई पर्नेछ on your app homepage.
- Manage Your Card Easily - You can view your limit, balance, and statements anytime, and even set it as your default payment option for Fonepay QR payments.
Customers who are not eligible can click on the “I am Interested” button at the end, which will send a request to the Bank to review your account.
FAQs
