A New Era of Digital Credit in Nepal
Access to credit is becoming faster, smarter, and more customer-centric. To transform the shopping and financing experience for Nepali consumers, Global IME Bank and Bhat-Bhateni Supermarket (BBSM) have partnered to introduce Nepal’s first behavior-based co-branded credit card with instant EMI activation.
This innovative solution enables eligible customers to receive instant credit approval based on their shopping behavior and purchase history, eliminating lengthy paperwork and traditional approval processes.
If you’re planning to purchase household electronics, the Global BBSM Club Card offers a convenient way to shop now and pay later.
What is the Global BBSM Club Card?
The Global BBSM Club Card is a closed-loop Visa credit card designed exclusively for customers shopping within the Bhat-Bhateni ecosystem.
Unlike traditional credit cards that require income verification and lengthy approval procedures, this card utilizes a Behavioral Credit Scoring (BCS) system to assess eligibility based on customer purchase behavior at Bhat-Bhateni Supermarket.
Key Highlights
- Instant credit approval
- Fully digital application process
- No branch visit required
- No physical paperwork
- Credit limit up to NPR 300,000
- Zero-charge EMI facility
- Home delivery of card within 1–2 working days
- Secure Visa-powered payment solution
What Makes This Credit Card Unique?
1. Behavior-Based Credit Scoring
One of the most innovative features of this program is the Behavioral Credit Scoring (BCS) model.
Instead of relying solely on traditional income documents, the system evaluates:
- Bhat-Bhateni purchase history
- Shopping frequency
- Recent spending patterns
- Customer behavior within the BBSM ecosystem
This allows eligible customers to receive instant credit decisions based on their actual spending behavior.
2. Instant Credit Approval
Customers no longer need to wait days or weeks for card approval.
The system can instantly assess eligibility and approve qualified customers, making access to credit faster and more convenient than ever before.
3. Fully Digital Experience
The entire application process can be completed digitally through:
- Global IME Bank’s Digital Universe
- Bhat-Bhateni Loyalty (Mobile) App
Customers only need basic information, citizenship or national ID details, and a registered mobile number.
Credit Limit and Card Features
Eligible customers may receive a credit limit ranging from:
NPR 150,000 to NPR 300,000
The approved limit depends on customer behavior tiers generated through the Behavioral Credit Scoring model.
Additionally:
- Issuance Fee: Free
- Annual Fee: NPR 1,000
- Card Network: Visa
- Card Type: Closed-Loop Credit Card
Enjoy Flexible EMI Facilities
One of the biggest advantages of the Global BBSM Club Card is its zero-charge EMI facility.
Customers can convert qualifying purchases into manageable monthly installments directly at the point of sale.
Minimum Transaction Amount for EMI
NPR 15,000
Available EMI Tenures
- 3 Months
- 6 Months
- 9 Months
- 12 Months
- 18 Months
This flexibility helps customers manage larger purchases without financial strain.
Partial EMI Option Available
Customers can also choose Partial EMI.
For example:
If you purchase products worth NPR 50,000 and wish to pay NPR 25,000 immediately, the remaining NPR 25,000 can be converted into EMI.
This feature provides greater control over personal finances while maintaining purchasing flexibility.
Pre-Payment Without Additional Charges
Need to clear your installments early?
The Global BBSM Club Card allows customers to prepay remaining EMIs without any pre-payment charges.
This ensures greater financial freedom and helps customers manage debt efficiently.
How Will Customers Repay?
Repayments can be made conveniently through:
- Direct debit from bank account
- Global IME Bank digital channels
- Mobile Banking (GlobalSmart+)
- Connect IPS
- Other supported digital payment systems
Customers will also receive EMI and repayment updates through SMS and email notifications.
What If a Customer Is Not Eligible Under Behavioral Scoring?
Customers who do not qualify under the Behavioral Credit Scoring model can still apply for the card through Global IME Bank’s standard credit card application process.
This includes submission of income documents and completion of KYC requirements as per the Bank’s existing policies.
Bringing Smarter Credit to Nepal
The Global IME Bank and Bhat-Bhateni Supermarket partnership marks a significant milestone in Nepal’s digital banking and retail landscape.
By combining retail purchasing insights with modern financial technology, the program delivers a faster, simpler, and more accessible credit experience for customers.
With instant approval, flexible EMI options, digital onboarding, and behavior-based credit assessment, the Global IME Bank BBSM Co-Branded Credit Card is redefining how consumers access and utilize credit in Nepal.
Apply digitally today and experience a smarter way to shop, pay, and manage your finances.
