{"id":6345,"date":"2026-06-08T15:48:57","date_gmt":"2026-06-08T10:03:57","guid":{"rendered":"https:\/\/www.globalimebank.com\/blog\/?p=6345"},"modified":"2026-06-08T15:55:18","modified_gmt":"2026-06-08T10:10:18","slug":"global-ime-bank-and-bhat-bhateni-supermarket-launch-nepals-first-behavior-based-credit-card-with-instant-emi-facility","status":"publish","type":"post","link":"https:\/\/www.globalimebank.com\/blog\/global-ime-bank-and-bhat-bhateni-supermarket-launch-nepals-first-behavior-based-credit-card-with-instant-emi-facility\/","title":{"rendered":"Global IME Bank and Bhat-Bhateni Supermarket Launch Nepal&#8217;s First Behavior-Based Credit Card with Instant EMI Facility"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">A New Era of Digital Credit in Nepal<\/h2>\n\n\n\n<p>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&#8217;s first behavior-based co-branded credit card with instant EMI activation.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>If you&#8217;re planning to purchase household electronics, the Global BBSM Club Card offers a convenient way to shop now and pay later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is the Global BBSM Club Card?<\/h2>\n\n\n\n<p>The Global BBSM Club Card is a closed-loop Visa credit card designed exclusively for customers shopping within the Bhat-Bhateni ecosystem.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key Highlights<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Instant credit approval<\/li>\n\n\n\n<li>Fully digital application process<\/li>\n\n\n\n<li>No branch visit required<\/li>\n\n\n\n<li>No physical paperwork<\/li>\n\n\n\n<li>Credit limit up to NPR 300,000<\/li>\n\n\n\n<li>Zero-charge EMI facility<\/li>\n\n\n\n<li>Home delivery of card within 1\u20132 working days<\/li>\n\n\n\n<li>Secure Visa-powered payment solution<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What Makes This Credit Card Unique?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Behavior-Based Credit Scoring<\/h3>\n\n\n\n<p>One of the most innovative features of this program is the Behavioral Credit Scoring (BCS) model.<\/p>\n\n\n\n<p>Instead of relying solely on traditional income documents, the system evaluates:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bhat-Bhateni purchase history<\/li>\n\n\n\n<li>Shopping frequency<\/li>\n\n\n\n<li>Recent spending patterns<\/li>\n\n\n\n<li>Customer behavior within the BBSM ecosystem<\/li>\n<\/ul>\n\n\n\n<p>This allows eligible customers to receive instant credit decisions based on their actual spending behavior.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Instant Credit Approval<\/h3>\n\n\n\n<p>Customers no longer need to wait days or weeks for card approval.<\/p>\n\n\n\n<p>The system can instantly assess eligibility and approve qualified customers, making access to credit faster and more convenient than ever before.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Fully Digital Experience<\/h3>\n\n\n\n<p>The entire application process can be completed digitally through:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Global IME Bank&#8217;s Digital Universe<\/li>\n\n\n\n<li>Bhat-Bhateni Loyalty (Mobile) App<\/li>\n<\/ul>\n\n\n\n<p>Customers only need basic information, citizenship or national ID details, and a registered mobile number.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit Limit and <a href=\"https:\/\/www.globalimebank.com\/blog\/how-to-get-credit-card-nepal\/\" data-type=\"post\" data-id=\"2642\">Card Features<\/a><\/h2>\n\n\n\n<p>Eligible customers may receive a credit limit ranging from:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">NPR 150,000 to NPR 300,000<\/h3>\n\n\n\n<p>The approved limit depends on customer behavior tiers generated through the Behavioral Credit Scoring model.<\/p>\n\n\n\n<p>Additionally:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Issuance Fee: Free<\/li>\n\n\n\n<li>Annual Fee: NPR 1,000<\/li>\n\n\n\n<li>Card Network: Visa<\/li>\n\n\n\n<li>Card Type: Closed-Loop Credit Card<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Enjoy Flexible EMI Facilities<\/h2>\n\n\n\n<p>One of the biggest advantages of the Global BBSM Club Card is its zero-charge EMI facility.<\/p>\n\n\n\n<p>Customers can convert qualifying purchases into manageable monthly installments directly at the point of sale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Minimum Transaction Amount for EMI<\/h3>\n\n\n\n<p>NPR 15,000<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Available EMI Tenures<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 Months<\/li>\n\n\n\n<li>6 Months<\/li>\n\n\n\n<li>9 Months<\/li>\n\n\n\n<li>12 Months<\/li>\n\n\n\n<li>18 Months<\/li>\n<\/ul>\n\n\n\n<p>This flexibility helps customers manage larger purchases without financial strain.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Partial EMI Option Available<\/h2>\n\n\n\n<p>Customers can also choose Partial EMI.<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>This feature provides greater control over personal finances while maintaining purchasing flexibility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pre-Payment Without Additional Charges<\/h2>\n\n\n\n<p>Need to clear your installments early?<\/p>\n\n\n\n<p>The Global BBSM Club Card allows customers to prepay remaining EMIs without any pre-payment charges.<\/p>\n\n\n\n<p>This ensures greater financial freedom and helps customers manage debt efficiently.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Will Customers Repay?<\/h2>\n\n\n\n<p>Repayments can be made conveniently through:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Direct debit from bank account<\/li>\n\n\n\n<li>Global IME Bank digital channels<\/li>\n\n\n\n<li>Mobile Banking (GlobalSmart+)<\/li>\n\n\n\n<li>Connect IPS<\/li>\n\n\n\n<li>Other supported digital payment systems<\/li>\n<\/ul>\n\n\n\n<p>Customers will also receive EMI and repayment updates through SMS and email notifications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What If a Customer Is Not Eligible Under Behavioral Scoring?<\/h2>\n\n\n\n<p>Customers who do not qualify under the Behavioral Credit Scoring model can still apply for the card through Global IME Bank&#8217;s standard credit card application process.<\/p>\n\n\n\n<p>This includes submission of income documents and completion of KYC requirements as per the Bank&#8217;s existing policies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bringing Smarter Credit to Nepal<\/h2>\n\n\n\n<p>The Global IME Bank and Bhat-Bhateni Supermarket partnership marks a significant milestone in Nepal&#8217;s digital banking and retail landscape.<\/p>\n\n\n\n<p>By combining retail purchasing insights with modern financial technology, the program delivers a faster, simpler, and more accessible credit experience for customers.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Apply digitally today and experience a smarter way to shop, pay, and manage your finances.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&#8217;s first behavior-based co-branded credit card with instant EMI activation. This innovative solution enables eligible customers [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6347,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-6345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-banking"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/posts\/6345","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/comments?post=6345"}],"version-history":[{"count":1,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/posts\/6345\/revisions"}],"predecessor-version":[{"id":6346,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/posts\/6345\/revisions\/6346"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/media\/6347"}],"wp:attachment":[{"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/media?parent=6345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/categories?post=6345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/tags?post=6345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}