Debit Card Charges in Pakistan: Annual Fees Compared
The yearly fee for each bank's standard debit card, from the banks' July to December 2026 schedules.
The yearly fee on a standard debit card ranges from about Rs 2,000 to Rs 4,000 at the banks we checked, before tax. SadaPay and NayaPay charge no yearly fee, only a one-time fee for the card. Several banks also offer a cheaper PayPak card, which works inside Pakistan.
Updated for July to December 2026. Checked 22 October 2026. Cheapest first. Figures are the bank's own wording; most exclude FED or sales tax unless stated.
| Bank | Annual fee | Source |
|---|---|---|
| NayaPay | Annual fees: Free (Visa physical card issuance one-time Rs 1,000) | SOC |
| SadaPay | Annual charges: Free (physical card issuance one-time Rs 1,724) | SOC |
| National Bank of Pakistan | PayPak-Classic EMV: annual charges PKR 2000 | SOC, p. 17 |
| Dubai Islamic Bank Islamic | UnionPay EMV Debit Card, Silver: Rs 2,100 + FED (the SOC does not label this figure issuance or annual) | SOC, p. 6 |
| Allied Bank | Basic Debit Card (UPI & PayPak): annual/issuance/renewal fee Rs 2,200 | SOC, p. 10 |
| Faysal Bank Islamic | Mastercard Classic: membership fee in advance Rs 2,300 | SOC, p. 47 |
| UBL | UnionPay Debit Card (Classic category): annual fee PKR 2,300 | SOC, p. 39 |
| JS Bank | Gold Debit Card: annual fee Rs 2,500 (issuance Rs 1,000; chip maintenance Rs 1,000 a year) | SOC, p. 28 |
| Bank of Punjab | Classic Debit Master Card: annual fee PKR 3,000 per annum (applicable after 1st year, on activated cards only) | SOC, p. 14 |
| HBL | MasterCard Standard - Rs 3,000 | SOC, p. 22 |
| BankIslami Islamic | Classic Debit Mastercard: Rs 3,200 per annum (issuance/annual subscription) | SOC, p. 7 |
| Habib Metropolitan Bank | Visa Classic/Premium: Rs 3,300 (issuance/annual/re-issuance) | SOC, p. 20 |
| MCB Bank | Visa Silver: renewal/annual Rs 3,300 | SOC, p. 23 |
| Askari Bank | Visa Chip Debit Card, Classic: annual service fee Rs 3,500 | SOC, p. 11 |
| Meezan Bank Islamic | VISA Classic: annual fee 3,500 (applicable on activated cards only) | SOC, p. 14 |
| Standard Chartered | Classic Debit Card annual/issuance fee Rs 3,500 | SOC, p. 18 |
| Bank AL Habib | Visa Silver: Rs 3,700 issuance/annual/replacement (primary) | SOC, p. 15 |
| Bank Alfalah | VISA Classic / AKK basic card: Rs 3,800 | SOC, p. 38 |
| Soneri Bank | Standard: annual fee, primary, 4,000 | SOC, p. 18 |
How we compared
We used each bank’s entry-level card (Classic, Standard or Basic), because that is the card most customers get by default. Premium cards like Gold and Platinum cost more. If your bank has a PayPak or UnionPay option and you only use the card in Pakistan, ask for it: it is often the cheapest card the bank issues.
More bank charges, from the same schedules: ATM withdrawal charges, IBFT and Raast transfer charges and credit card charges compared.
Where these figures come from
Every figure is from the bank’s own Schedule of Charges for July to December 2026, linked in the last column with the page number. Faysal Bank’s latest published schedule is for January to June 2026. Fees usually exclude federal excise duty or sales tax.