Questions about using US credit card in Nepal

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I need a suggestion, guys. If I use my American Express credit card to purchase an air ticket in Nepal from Nepali travel agencies (like $1500), will my transaction become a 'Purchases' or the 'Cash Advance' transaction?? I would rather not use the credit card if it's gonna be a cash advance transaction coz then the APR will be very high! If any of you have done such transactions in Nepal using a US credit card, more specifically an AMEX card in the past, please suggest me. I'd really appreciate that. Thanks. Last edited: 30-Sep-10 04:51 PM

Swiss · Sep 30, 2010 4:49 PM · 15,478 views

5 Replies

When someone uses a credit card at a foreign country they are charged a foreign transaction fee. I believe for American Express cards the foreign transaction fee is 2% (check this with your card provider) Last edited: 30-Sep-10 05:02 PM

sab_nepaliko_sathi · Sep 30, 2010 5:00 PM

Thanks man for the info.

Swiss · Sep 30, 2010 5:04 PM

All credit cards except for Capital One charges you 3% ( not sure about Amex ). I don't think its considered to be Cash Adv. 

Bidroh · Sep 30, 2010 6:27 PM

bidroh is right. its purchase not cash advance. i used capital one in nepal to make purchases and they did not charge me anything. to make sure, call your credit card company.

kaji sahab · Sep 30, 2010 8:54 PM

Call credit card company before you make the transaction as they may now know about you being in Nepal and may reject it assuming it is a fraud. Regarding the charge, you will be charge 2-3% as a foreign transaction fee. It will be treated as a regular transaction not cash advance.

deshbhaktanepali · Oct 1, 2010 12:17 AM

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Questions about using US credit card in Nepal

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