HBL Cards & Healthcare Financing in Nepal: Unlocking Access to Aesthetic Wellness

In today’s era, self-care goes beyond the surface. Whether it’s enhancing your appearance or building inner confidence, people are investing more than ever. But sometimes,  healthcare financing Nepal plays a major role in those big decisions. 

As lifestyle goals shift toward health and beauty, the need for smarter financial support grows too. Aesthetic care, once seen as a luxury, is now becoming a part of regular wellness choices. In the context of Nepal, healthcare financing for these personal goals is now becoming more reachable than ever.

Without drawing attention to it, one local bank has been making it easier for people to choose what feels right for them. By combining trust, ease, and everyday finance, a new kind of care is now within reach for many. Let’s take a closer look at how it’s all coming together. 

Key Highlights:

• Empowering self-care and wellness through smarter healthcare financing in Nepal.
• Accessible banking through branches, ATMs, and user-friendly mobile apps.
• Secure transactions are powered by EMV chip cards and 24/7 customer support.
• EMI (Equated Monthly Installment) options are available for expensive aesthetic treatments.
• Partnered with Healthy Choice Aesthetic Hospital to support easy, card-based medical payments.
• Himalayan Bank offers domestic and international credit cards tailored to lifestyle and healthcare needs.

Himalayan Bank: A Financial Pioneer in Nepal

In the world of banks, Himalayan Bank has been a trusted name for many years. It was one of the first banks in Nepal to offer modern financial services to the people. From savings accounts to cards, the bank has always tried to make banking easier and safer. This strong base helped it grow across the country.

The bank was also the first to introduce a credit card made for use inside Nepal. This card was known as the HBL Proprietary card, gave people a new way to pay for daily and personal needs. At a time when cash was the only option, this step made banking more flexible. It was a big revolutionary move toward modern and smarter money choices in Nepal.

Now, again, Himalayan Bank has proved itself by bringing up different financial services that used to seem impossible in Nepal. Himalayan Bank offers many types of credit and debit cards, both for local and global use. These tools support many needs, from shopping to travel and even health procedures and aesthetic wellness. In the growing field of healthcare financing Nepal, HBL’s easy card access is making a difference. It gives people the power to choose care without worrying too much about the expenses and costs.

HBL Credit Cards Overview

Himalayan Bank offers a wide range of credit cards to match different needs. Such as: for local use, the bank provides MasterCard Domestic and Visa Classic/ Gold Domestic cards. For Global use, customers can choose the Visa Classic/ Gold International or the MasterCard International. Let’s know about these cards and their purposes in detail.

There are four types of Credit cards generally issued by Himalayan Bank:

• MasterCard Domestic:

MasterCard Domestic is a credit card issued in Nepalese currency (NPR) and is valid in Nepal and India. A secure and convenient payment method for shopping needs. It’s accepted in both ATMs and POS merchants that accept the brand.

• Visa Classic/ Gold International:

Visa Classic/Gold International is a card that can be used anywhere in the world except India. Customers having a regular income source in foreign currency and maintaining a foreign currency account with any of the Himalayan Bank Branches are eligible to apply for this card.

• MasterCard International:

MasterCard International is a card that can be used anywhere in the world except India. Customers having a regular income source in foreign currency and maintaining a foreign currency account with any of the Himalayan Bank Branches are eligible to apply for this card.

• Visa Classic/ Gold Domestic:

Visa Domestic Credit Card is issued in Nepalese Rupee (NPR) and is valid in Nepal and India. Accepted in both ATMs and POS merchants that accept the brand.A secure and convenient payment solution for payment and shopping needs in Nepal and India.

These card services also support modern needs, including healthcare financing Nepal. People can use them at clinics, hospitals, and wellness centers that accept card payments. It provides users with the freedom to choose care when they need it, without the burden of carrying cash or worrying about money.

Special Banking Benefits for Healthcare Partners

Himalayan Bank understands that healthcare isn’t just about treatment, it’s also about trust and timely support. That’s why the bank offers payment solutions that help both patients and healthcare providers. From hospitals to clinics, HBL works with partners to make services more accessible. This builds a stronger connection between care and comfort.

One key benefit is the ease of accepting HBL credit and debit cards for medical payments.
Patients can use cards at the POS machines for treatments, checkups, and even cosmetic services. This removes the stress of carrying large amounts of cash. It also helps hospitals handle payments faster and more safely.

For selected partners, HBL may also provide flexible banking support like dedicated service desks or priority transaction handling. This makes daily operations smoother for busy healthcare centers. In some cases, custom merchant solutions are also available. These features help the hospitals focus more on patients and less on paperwork.

As aesthetic care becomes more popular, such benefits play a key role in healthcare financing Nepal. When banks and hospitals work together, it opens doors for people who want to invest in their well-being. Himalayan Bank continues to support this change with services built for real-life health needs.

Healthy Choice Aesthetic Hospital Collaboration

Healthy Choice Aesthetic Hospital has teamed up with Himalayan Bank to make confidence more affordable because looking and feeling your best should never be limited by cost. From skincare to cosmetic procedures, this partnership allows clients to use HBL credit cards with ease. Now, because of its beauty and wellness can fit into real-life budgets.

One of the biggest advantages is the EMI (Equated Monthly Installment) plan. Expensive treatments can now be paid off in small, monthly amounts-no big financial pressure upfront. It’s a relief for many people who’ve dreamed of making a change but held back due to cost. With HBL’s trusted system, those dreams now feel closer and possible.

Whether it’s a personal makeover or a much-needed refresh, the payment process is smooth and supportive. At the hospital, the billing team helps you set up EMI using your HBL card in just a few steps. No confusing forms, no long waits–just honest care paired with smart finance. It’s banking that understands people humanely, not just by policies and terms.

Together, Healthy Choice and Himalayan Bank are leading a new chapter in healthcare financing Nepal. They’re not just offering comfort, control, and confidence. Because when you invest in yourself, you deserve a payment plan that invests in you too and sees your worth more.

Security, Support & Accessibility

Himalayan Bank puts safety first in every transaction. All HBL credit cards use EMV chip technology, which helps protect against fraud. If a card is lost or misused, it can be blocked right away. This gives customers peace of mind when using their cards for health or personal payments.

Support is always close, no matter the time or place. HBL offers 24/7 customer service to answer questions or solve issues quickly. Whether it’s a billing query or EMI setup, help is just a call away. This support is important when using cards for big steps like aesthetic procedures.

HBL also makes banking easy to access. With many branches, ATMs, and a secure mobile banking app, users can manage their cards anytime. Balance checks, spending limits, and EMI schedules are all available at your fingertips. This makes the entire process more smooth and stress-free.

When it comes to healthcare financing Nepal, safety and ease matter just as much as money. With HBL’s strong systems, people can focus on their care, not their worries. It’s a system built not just for spending, but for supporting every step of your wellness journey.

Confidence doesn’t come easily; confidence starts with a choice, and sometimes that choice needs a little support. Whether it’s a skincare treatment or a full makeover, Himalayan Bank is making it easier for people to take that step. With flexible cards, EMI options, and trusted service, wellness doesn’t feel out of reach anymore.

Thanks to the partnership with Healthy Choice Aesthetic Hospital, self-care is now more than just a dream. It’s planned, it’s possible, and it’s supported every step of the way. From payment counters to mobile apps, everything is built to make your journey smoother.

In the growing space of healthcare financing in Nepal, this is more than just a bank and a hospital working together; it’s about people feeling empowered to invest in themselves. And with the right tools in hand, every swipe becomes a step closer to the best version of you.

So if you’re willing to proceed with the procedure, just contact the HBL Credit Card personnel of EMI Related Services:

• Mr. Ankit Adhikari @ 9861323955
• Mr. Chandan Joshi @ 9841470572

Better understanding creates smooth finance, feel free to contact them & visit Healthy Choice for further details.

FAQs

• Who is eligible to apply for EMI services on healthcare payments?

Any HBL credit card holder who meets the bank’s EMI eligibility criteria can apply. The hospital’s billing team and HBL staff can assist you with payment.

• Are HBL credit cards safe to use for healthcare payments?

Absolutely. HBL cards use EMV chip technology and secure banking platforms. In case of any issue, cards can be blocked immediately, and 24/7 support is available.

• What documents are required to apply for an HBL credit card?

To apply for an HBL credit card, you typically need a valid ID (NID/citizenship/passport), income proof, a photo, and a completed application form. Specific cards, like international ones, may require a foreign currency account.

• Is EMI available for cosmetic or aesthetic treatments through HBL cards?

Yes, eligible HBL credit card holders can convert high-value aesthetic treatments into EMI (Equated Monthly Installments). This helps you pay over time without financial stress.

• Can I use my HBL credit card to pay for treatments at Healthy Choice Aesthetic Hospital?

Yes, you can use your HBL credit card to pay for aesthetic procedures and treatments at Healthy Choice Aesthetic Hospital. The hospital accepts HBL cards at its billing counter for smooth, secure transactions.