{"id":6685,"date":"2026-10-13T13:13:30","date_gmt":"2026-10-13T07:28:30","guid":{"rendered":"https:\/\/www.globalimebank.com\/blog\/?p=6685"},"modified":"2026-10-13T13:13:35","modified_gmt":"2026-10-13T07:28:35","slug":"dashain-shopping-tips-nepal","status":"publish","type":"post","link":"https:\/\/www.globalimebank.com\/blog\/dashain-shopping-tips-nepal\/","title":{"rendered":"Best Way to Do Dashain Purchasing in Nepal: 9 Smart Tips to Save"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Dashain is a big shopping festival in Nepal. From new clothes, to gifts, groceries and other essentials, people love to shop during this time. It can be easy to overspend during this season with the many festive offers. The best way to avoid overspending is to set a budget, research and take advantage of discounts. With mobile banking, credit cards and debit cards, shopping can be easy, convenient and cash-less.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are 9 tips to help make the most of this Dashain while saving money:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>1. Make Your Dashain Shopping List Before You Start<\/strong><strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you head out to the market, make a list of things you actually need. Dashain shopping is not just for new clothes and shoes. Groceries, Dashain puja materials, gifts, travel money and dakshina need to be planned for as well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Divide your shopping list into three groups as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Essentials<\/li>\n\n\n\n<li>Planned purchases<\/li>\n\n\n\n<li>Optional purchases<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Start with essential shopping and see how much you have left. Shopping lists make unnecessary purchases harder. Sales do not always mean you need to buy something.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>2. Set Your Dashain Budget with Global Smart Plus<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Figuring out how much money we spend during Dashain is relatively easy. But keeping track of exactly where that money goes is a different story.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Global IME Bank&#8217;s<a href=\"https:\/\/www.globalimebank.com\/blog\/global-smart-plus\/\"> <\/a><a href=\"https:\/\/www.globalimebank.com\/blog\/global-smart-plus\/\">Global Smart Plus mobile banking app<\/a> includes <strong>Budget 360\u00b0<\/strong>, a personal finance management feature that helps customers understand and manage their spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Budget 360\u00b0 allows customers to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set spending budgets for different categories.<\/li>\n\n\n\n<li>Track spending against the budget.<\/li>\n\n\n\n<li>View transactions that are automatically classified.<\/li>\n\n\n\n<li>Understand where money is spent.<\/li>\n\n\n\n<li>Analyze spending pattern from the mobile banking application.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">To get started, open <strong>Global Smart Plus<\/strong> and navigate to <strong>Hub &gt; Budget 360\u00b0<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>3. Compare Dashain Shopping Offers Before Buying<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are several shopping offers during Dashain. Stores sell clothes with seasonal discounts, and supermarkets and electronics stores have special discounts as well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before making a purchase, compare:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The final selling price after discounts<\/li>\n\n\n\n<li>Cashback eligibility<\/li>\n\n\n\n<li>Delivery or installation charges<\/li>\n\n\n\n<li>Warranty and after-sales service<\/li>\n\n\n\n<li>Return and exchange policies<\/li>\n\n\n\n<li>Additional charges for installment purchases<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>4. Check Debit Card Offers Before Paying<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.globalimebank.com\/products\/cards\/visa-debit-card\/\">Global IME Bank Visa Debit Card<\/a> can be used to make payments at all the merchants that accept Visa payments, and also for online shopping. It is also pre-enabled for e-commerce payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Global IME Bank Ltd. also runs merchant discount and cashback offers, some of which include eligible debit card holders. You can find out more by visiting our Discounts and Offers page.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Be sure to check if the offer is for your card, the particular merchant, the transaction date and the minimum purchase limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>5. Use Mobile Banking and QR Payments for Everyday Shopping<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">During Dashain, it is not just the big malls that you shop at. You might purchase fruits from the neighborhood shop, groceries from the local supermarket, sweets from the bakery or other gifts from small businesses. For shopping like these, payment can be made a lot easier using mobile banking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Global Smart Plus customers are able to make supported QR payments, remittances and other day to day banking transactions using the app. The App is also able to process payments via Fonepay, NEPALPAY, SCT QR and UnionPay, based on the applicable network and merchant agreements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paying bills online will automatically qualify for the <a href=\"https:\/\/www.globalimebank.com\/blog\/taxpayer-incentive-prize-program-2083-how-to-register-your-bill-and-win-up-to-rs-10-lakh\/\">Taxpayer Incentive Prize Program<\/a> but you have to keep the record of the physical bills.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>6. Planning to Buy Electronics? Check Out 0% EMI Options<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Large electronic items are usually purchased during the Dashain festivals as most of the brands offer generous discounts. Sometimes it is not comfortable to pay the full amount for such purchases, especially if other expenses for the festivals are coming up.For eligible purchases, you can opt for a 0% EMI and spread the amount over a few months. Global IME Bank has announced a <a href=\"https:\/\/www.globalimebank.com\/blog\/enjoy-0-emi-at-bhatbhateni-with-a-global-ime-bank-credit-card\/\">0% EMI option at Bhat-Bhateni Supermarket Store<\/a> for purchases made using its credit cards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As per the terms of the offer,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The minimum purchase is 15,000 rupees.<\/li>\n\n\n\n<li>The eligible repayment periods are 3, 6, 9, 12 or 18 months.<\/li>\n\n\n\n<li>0% interest and no processing fees apply during the offer period.<\/li>\n\n\n\n<li>The EMI option is available only upon request for qualifying purchases.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Before deciding to use an EMI facility, consider your existing financial commitments to ensure you can support the additional monthly payment. Confirm the EMI product eligibility with the merchant or the bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>7. Use the Right Credit Card for Planned Purchases<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit cards can be helpful during Dashain if used responsibly. They can provide payment flexibility, offer merchant discounts, and provide access to EMI facilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But a credit card should support your financial plan, not become a reason to spend beyond it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For purchases within Nepal, Global IME Bank has the <a href=\"https:\/\/www.globalimebank.com\/products\/cards\/visa-domestic-classic-credit-cards\/\">Visa Domestic Classic Credit Card<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The card is valid for purchases within Nepal, India and Bhutan. It also provides e-commerce purchase convenience and offers repayment flexibility within the bank\u2019s defined terms. When using the card for Dashain shopping, keep these in mind:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plan the purchases, and determine if a bank campaign offers a discount or cashback.<\/li>\n\n\n\n<li>Be familiar with the billing date and repayment terms.<\/li>\n\n\n\n<li>Avoid having an unpaid balance, and don\u2019t spend beyond your means because of the availability of credit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Along with the Visa Domestic Classic Credit Card, Global IME Bank also offers the <a href=\"https:\/\/www.globalimebank.com\/blog\/global-ime-bank-and-bhat-bhateni-supermarket-launch-nepals-first-behavior-based-credit-card-with-instant-emi-facility\/\">Global BBSM Club Card<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The credit card is for customers of the Bhat-Bhateni shopping chain. Eligible customers are evaluated for credit facilities. Approved credit limits can range from NPR 150,000 to NPR 300,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>8. Look for Cash back and Discounts on Purchases You&#8217;re Already Making<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A cashback offer is most beneficial when it is on a purchase you were already going to make. Keep in mind the limits of an offer before making a purchase. There are a lot of conditions for offers like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Validity on certain days<\/li>\n\n\n\n<li>Limits on merchant locations<\/li>\n\n\n\n<li>Minimum purchase limits<\/li>\n\n\n\n<li>Maximum cashback limits<\/li>\n\n\n\n<li>Types of cards that are eligible<\/li>\n\n\n\n<li>Limits on the number of purchases<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Take a look at <a href=\"https:\/\/www.globalimebank.com\/offers\/\">Global IME Bank&#8217;s latest offers <\/a>and see if any are aligned to your shopping needs for Dashain..<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>9. Review Your Spending Before and After Dashain<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is more to Dashain than shopping. There is travel, visits to relatives, meals, entertainment and dakshina. Which is why it is a good idea to review your budget more than once.&nbsp; There is no need to make a complicated budget plan or spend many hours doing financial planning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Try looking at your spending at three times:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Before Shopping<\/strong>: Decide how much you are going to spend and set limits for each category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>During Dashain<\/strong>: Check your purchases and see if you are close to your limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After Dashain. See how much you actually spent, check the bills you still need to pay and see how you could spend more efficiently next year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.globalimebank.com\/blog\/budget-360-expenses-tracker\/\">Budget 360\u00b0 feature<\/a> in Global Smart Plus can be used to set and track supported categories and analyze spending. If you have used your credit card, you should also review your outstanding balance and payment dates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer:<\/strong> The offers and discounts vary and are subject to change. Please review the latest offers and terms and conditions with Global IME Bank and the concerned merchant.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dashain is a big shopping festival in Nepal. From new clothes, to gifts, groceries and other essentials, people love to shop during this time. It can be easy to overspend during this season with the many festive offers. The best way to avoid overspending is to set a budget, research and take advantage of discounts. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6686,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-6685","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\/6685","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=6685"}],"version-history":[{"count":1,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/posts\/6685\/revisions"}],"predecessor-version":[{"id":6687,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/posts\/6685\/revisions\/6687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/media\/6686"}],"wp:attachment":[{"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/media?parent=6685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/categories?post=6685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalimebank.com\/blog\/wp-json\/wp\/v2\/tags?post=6685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}