RuPay Card

global card payment network from India.

As a continuation to the RuPay Phase I project that allowed Bhutanese ATM terminals to accept RuPay branded cards issued by banks in India, His Excellency Shri Narendra Modi, the Hon’ble Prime Minister of India and His Excellency Dr. Lotay Tshering, the Hon’ble Prime Minister of Bhutan, jointly e-launched the RuPay card issuance by the Bhutan National Bank Limited (BNBL) on 20th November 2020.


general information.

The RuPay card scheme is a cross-border payment initiative between the two countries and is aimed at promoting the use of low-cost digital payment solutions and advance digital financial inclusion. RuPay card is more affordable than other international card schemes transactions-wise, and secured against fraudulent transactions by the EMV chip, protected by cryptographic encryption, that prevents card-cloning, and provides enhanced security and protection.

The launch of RuPay card scheme in Bhutan is made possible by the interconnectivity of the Bhutan Financial Switch (BFS) with India’s National Financial Switch (NFS), operated by the National Payment Corporation of India, all BNB RuPay transactions are routed through the BNB’s financial switch for authentication and authorization.

BNB RuPay debit cards are accepted at more than 100,000 ATMs and 2 million PoS terminals deployed by the member banks of the National Payments Corporation of India for cash withdrawal, balance inquiry, and purchases.

Since the card is issued instantly over-the-counter, please walk in to the BNB branch nearest to you and request for it. If you prefer to apply for it online, you can do so but online request may take some time to be processed.

*Online transactions are currently not enabled because of security reasons, we shall enable it very soon.


if your are using RuPay Card, you should know the charges.

RuPay Card

Nu. 250

New Card Fee

Supplementary Card

Annual Fee

Nu. 200

Replacement Fee


PIN Regeneration Fee

Nu. 200

Renewal Fee

Within Bhutan

Transaction Limit
Daily Limit Nu.40,000 Unlimited
Monthly Limit Inline to daily limit Unlimited
Limit Per Instance Nu.15,000 Unlimited
No. of Transaction Per Day Unlimited Unlimited


Transaction Limit
Daily Limit Nu.10,000 Unlimited but Subject to monthly limit
Monthly Limit Nu.15,000 50000
Limit Per Instance Acquirers Banks Rules 50000
No. of Transaction Per Day As per Acquirer Bank’s Regulation As per Acquirer Bank’s Regulation

Other Charges

TERMINALS Other Banks’ ATMs (Bhutan) ATMs’ in India
Balance Enquiry Nu. 5.00 Nu. 5.30
Cash Withdrawal/Purchase Nu.9.00* Nu.33.00
Mini Statement Nu.5.00*
PIN Change Nu.5.00*

*From the 6th transaction onwards.

No charges for transactions from BNB ATMs