Summary
We list 164 debit and prepaid cards from 21 banks. 23 have no annual fee. Among the rest, fees run from PKR 99 (Mobilink Microfinance Bank Limited JazzCash Mastercard Debit Card) to PKR 45,000 (United Bank Limited (UBL) UBL Visa Infinite Debit Card), with a median of PKR 3,300. 65 of the 138 fee-charging cards have a published way to get the fee waived. For 3 cards the bank does not publish an annual fee in its schedule of charges.
Fees by tier
Entry covers Classic, Silver, Green and PayPak cards; Mid covers Gold and Titanium; Premium covers Platinum, Signature, World and Infinite.
| Tier | Cards | No annual fee | Median fee | Highest fee | Fee not published |
|---|---|---|---|---|---|
| Entry | 44 | 4 | PKR 2,700 | PKR 3,800 | 0 |
| Mid | 25 | 0 | PKR 3,500 | PKR 5,500 | 0 |
| Premium | 36 | 10 | PKR 7,500 | PKR 45,000 | 1 |
| Other | 59 | 9 | PKR 3,000 | PKR 23,000 | 2 |
Every debit card, by bank
Fees are per year unless the bank states otherwise. Most banks quote them before Federal Excise Duty (FED), which is added when the fee is charged. "Not published" means the bank's schedule of charges and product pages do not state the figure.
| Bank | Card | Tier | Annual fee | Supplementary | Joining | Fee waiver | Eligibility |
|---|---|---|---|---|---|---|---|
| Al Baraka Bank | Nexgen Student PayPak Debit Card | Other | PKR 2,500 | Not published | Free | Balance PKR 100 | |
| Al Baraka Bank | PayPak Standard Debit Card | Other | PKR 2,500 | Not published | Free | First-year fee waived (PayPak only) for Shafqaat (MAB PKR 10K), Banaat (MAB PKR 10K), Freelancer (MAB PKR 10K), Consumer Business Partner (MAB PKR 25K) and Business Plus Tier-1/Tier-2 (MAB PKR 25K+) account holders per Jul-Dec 2026 SOC and Saving KFS footnotes 7-10. Also free for clients maintaining MAB of PKR 1M+ across accounts (SOC general free services) and for Al Baraka Payroll Account (Basic) holders (Jul-Dec 2026 Payroll KFS). | Not published |
| Al Baraka Bank | UnionPay Classic Debit Card | Entry | PKR 2,800 | Not published | Free | Not published | |
| Al Baraka Bank | UnionPay Silver Debit Card | Entry | PKR 2,800 | Not published | Free | Not published | |
| Al Baraka Bank | Mastercard Silver Debit Card | Entry | PKR 3,500 | Not published | Free | Free for Freelancer (ESFCA) account customers maintaining MAB of PKR 10,000 and above (Jul-Dec 2026 current/saving KFS footnote); free for Plus-tier Payroll Account holders (Jul-Dec 2026 Payroll KFS). | Not published |
| Al Baraka Bank | UnionPay Gold Debit Card | Mid | PKR 4,000 | Not published | Free | Not published | |
| Al Baraka Bank | Mastercard Gold Debit Card | Mid | PKR 5,000 | Not published | Free | Free for Al Baraka Payroll Account (Executive) holders per Jul-Dec 2026 Payroll KFS. | Not published |
| Al Baraka Bank | Mastercard Platinum Debit Card | Premium | PKR 12,000 | Not published | Free | Not published | |
| Allied Bank | Allied Visa Infinite Debit Card | Premium | Free | Not published | Not published | Annual fee is free; however if monthly average balance of PKR 5M (current) or PKR 10M (savings/term deposit) is not maintained (Islamic: PKR 5M savings), PKR 8,000/month is charged. After 3 consecutive months of non-maintenance the card is blocked (Islamic current: no monthly fee, blocked after 2 months). | Balance PKR 5,000,000 |
| Allied Bank | Allied Basic Debit Card | Entry | PKR 2,200 | Not published | Not published | Balance PKR 1,000 | |
| Allied Bank | Allied UnionPay PayPak Classic Debit Card | Entry | PKR 2,900 | Not published | Not published | Balance PKR 1,000 | |
| Allied Bank | Allied UPI & PayPak Classic Plus | Other | PKR 2,900 | Not published | Not published | Balance PKR 1,000 | |
| Allied Bank | Allied Visa Classic Debit Card | Entry | PKR 3,000 | Not published | Not published | Balance PKR 1,000 | |
| Allied Bank | Allied Youth Visa Debit Card | Other | PKR 3,000 | Not published | Not published | Balance PKR 10,000 | |
| Allied Bank | Islamic Banking VISA DebitCard | Other | PKR 3,000 | Not published | Not published | Balance PKR 1,000 | |
| Allied Bank | Allied UnionPay & PayPak Gold Debit Card | Mid | PKR 3,200 | Not published | Not published | Salary PKR 41,667/month | |
| Allied Bank | Cash+Shop Sapphire Visa Debit Card | Other | PKR 3,200 | Not published | Not published | Balance PKR 1,000 | |
| Allied Bank | Allied Visa Platinum Debit Card | Premium | PKR 6,000 | PKR 3,300 | Not published | Salary PKR 83,333/month | |
| Allied Bank | Allied Visa Premium Debit Card | Premium | PKR 19,500 | PKR 15,000 | Not published | Annual fee waiver if customer maintains a monthly average balance of PKR 2M in a Current Account or PKR 3M in a Savings Account (conventional), or PKR 2M in a Current/Savings Account (Islamic); TDR, corporate relationship or ABL fund investment also considered. | Balance PKR 2,000,000 |
| Askari Bank Limited | Askari Visa Signature Debit Card | Premium | Free | Free | Free | Relationship balance PKR 5,000,000 | |
| Askari Bank Limited | Askari PayPak Debit Card Gold | Mid | PKR 2,400 | PKR 2,400 | PKR 2,400 | No minimum | |
| Askari Bank Limited | Askari Visa Debit Card Classic | Entry | PKR 3,000 | PKR 3,000 | PKR 3,000 | No annual or issuance fee if customer maintains the required minimum quarterly average balance; otherwise issuance and annual service fees apply per SOC. | No minimum |
| Bank AL Habib | PayPak Debit Card | Entry | PKR 2,750 | Not published | Not published | Issuance / annual / renewal fee waived if monthly average balance of PKR 25,000 is maintained on AL Habib Current / Current Plus / Apna Individual accounts (PKR 5,000 on AL Habib Remit account) in previous or next calendar month. | Average balance PKR 25,000 |
| Bank AL Habib | BAHL UnionPay Apna Debit Card | Other | PKR 3,000 | PKR 2,000 | Not published | Average balance PKR 25,000 | |
| Bank AL Habib | BAHL UnionPay Debit Card | Other | PKR 3,000 | PKR 2,000 | Not published | Not published | |
| Bank AL Habib | AL Habib Digital Account Classic Debit Card | Other | PKR 3,700 | PKR 2,700 | Not published | No minimum | |
| Bank AL Habib | AL Habib Remit Debit Card | Other | PKR 3,700 | PKR 2,700 | Not published | Issuance / annual / renewal fee on PayPak debit card is waived if PKR 5,000 monthly average balance is maintained on the AL Habib Remit Current Account; Visa-variant Remit cards follow the standard Visa Silver schedule. | Average balance PKR 5,000 |
| Bank AL Habib | AL Habib Woman Debit Card | Other | PKR 3,700 | PKR 2,700 | Not published | No minimum | |
| Bank AL Habib | Visa Silver Debit Card | Entry | PKR 3,700 | PKR 2,700 | Not published | Not published | |
| Bank AL Habib | AL Habib Digital Account Gold Debit Card | Other | PKR 4,500 | PKR 3,500 | Not published | No minimum | |
| Bank AL Habib | Visa Gold Debit Card | Mid | PKR 4,500 | PKR 3,500 | Not published | Not published | |
| Bank AL Habib | Visa Platinum Debit Card | Premium | PKR 10,000 | PKR 7,000 | Not published | Salary PKR 150,000/month | |
| Bank AL Habib | Signature Debit Card | Premium | PKR 23,000 | PKR 23,000 | Not published | Primary card issuance and annual fee are free for AL Habib Signature Account holders irrespective of monthly average balance (/accounts/current); supplementary card charges apply as per SOC. | Salary PKR 750,000/month |
| Bank Alfalah | Bank Alfalah Islamic Premier Visa Signature Debit Card | Other | Free | Free | Not published | Zero annual, issuance and replacement fee for Bank Alfalah Islamic Premier customers while Premier criteria are maintained; a quarterly fee of PKR 5,750 + FED/Sales Tax is levied if the required quarterly average balance is not maintained. | Relationship balance PKR 3,000,000 |
| Bank Alfalah | Bank Alfalah Premier Visa Signature Debit Card | Premium | Free | Free | Not published | Zero annual and issuance fee for Bank Alfalah Premier customers while Premier criteria are maintained; a quarterly fee of PKR 5,750 + FED/Sales Tax is levied if the required quarterly average balance is not maintained. | Relationship balance PKR 3,000,000 |
| Bank Alfalah | Bank Alfalah Premier Visa Top Tier Debit Card | Other | Free | Free | Not published | Zero annual, issuance and replacement fee for Bank Alfalah Premier customers maintaining the PKR 25 Million Current Account threshold. | Relationship balance PKR 25,000,000 |
| Bank Alfalah | Bank Alfalah Visa Infinite Debit Card | Premium | Free | Free | Not published | No annual, issuance and replacement fee while Bank Alfalah Infinite criteria are maintained (PKR 150 Million AUM); falling below the quarterly average results in downgrade. | Relationship balance PKR 150,000,000 |
| Bank Alfalah | Bank Alfalah Visa Infinite Islamic Debit Card | Premium | Free | Free | Free | Zero annual, issuance, replacement, and upgrade fee for Bank Alfalah Islamic Infinite customers maintaining the PKR 150 Million AUM threshold. | Relationship balance PKR 150,000,000 |
| Bank Alfalah | Bank Alfalah PayPak Classic Debit Card | Other | PKR 3,000 | PKR 1,600 | Not published | No minimum | |
| Bank Alfalah | Bank Alfalah PayPak Islamic Classic Debit Card | Other | PKR 3,000 | PKR 1,600 | Not published | No minimum | |
| Bank Alfalah | Bank Alfalah Visa Islamic Classic Debit Card | Other | PKR 3,800 | PKR 2,100 | Not published | No minimum | |
| Bank Alfalah | Visa Classic Debit Card | Entry | PKR 3,800 | PKR 2,100 | Not published | No minimum | |
| Bank Alfalah | Bank Alfalah Islamic Gold Women Debit Card | Other | PKR 5,500 | PKR 3,100 | Not published | No minimum | |
| Bank Alfalah | Bank Alfalah Pehchaan Debit Card | Other | PKR 5,500 | PKR 3,100 | Not published | Free under the Bank Alfalah Infinite tier (PKR 150M AUM). | No minimum |
| Bank Alfalah | Bank Alfalah Visa Islamic Gold Debit Card | Other | PKR 5,500 | PKR 3,100 | Not published | No minimum | |
| Bank Alfalah | Visa Gold Debit Card | Mid | PKR 5,500 | PKR 3,100 | Not published | No minimum | |
| Bank Alfalah | Visa Platinum Debit Card | Premium | PKR 11,000 | PKR 5,500 | Not published | No minimum | |
| Bank Alfalah | Bank Alfalah Islamic Power Pack Signature Debit Card | Other | PKR 23,000 | PKR 11,500 | Not published | Average balance PKR 250,000 | |
| Bank Alfalah | Bank Alfalah Islamic Power Pack Women Debit Card | Other | PKR 23,000 | PKR 11,500 | Not published | Average balance PKR 250,000 | |
| Bank Alfalah | Bank Alfalah Visa Islamic Signature Debit Card | Other | PKR 23,000 | PKR 11,500 | Not published | Average balance PKR 1,000,000 | |
| Bank Alfalah | Visa Signature Debit Card | Premium | PKR 23,000 | PKR 11,500 | Not published | Free for Bank Alfalah Premier customers (PKR 3M+ relationship balance) and for Bank Alfalah Infinite customers (PKR 150M AUM). | Average balance PKR 1,000,000 |
| Bank of Punjab | BOP KHAAS Platinum Debit Card | Premium | Free | Free | Not published | Free issuance, renewal, and supplementary cards for BOP KHAAS customers marked as Priority; PKR 7,000 / PKR 3,500 supplementary for Non-Priority customers per Jul-Dec 2026 SOBC. | Salary PKR 500,000/month |
| Bank of Punjab | BOP Taqwa KHAAS Platinum Islamic Debit Card | Other | Free | Free | Not published | Free issuance, renewal, and supplementary cards for Taqwa KHAAS customers marked as Priority; PKR 7,000 / PKR 3,500 supplementary for Non-Priority customers per Taqwa SOBC Jul-Dec 2026. | Salary PKR 500,000/month |
| Bank of Punjab | BOP PayPak Debit Card | Entry | PKR 2,000 | Not published | Not published | Not published | |
| Bank of Punjab | BOP Naaz Debit Card | Other | PKR 2,700 | PKR 1,350 | Not published | Issuance free with BOP Naaz Current Account; renewal/replacement PKR 2,700 per annum, supplementary PKR 1,350 per Naaz KFS and Jul-Dec 2026 SOBC. | Not published |
| Bank of Punjab | BOP Mastercard Classic Debit Card | Entry | PKR 3,000 | PKR 1,500 | Not published | On BOP@Work payroll accounts, free issuance and renewal (no salary tier) per Jul-Dec 2026 SOBC Section T-9; free issuance on Salary Plus and BOP Life Current accounts (BOP Life renewal free subject to PKR 25,000 monthly average balance). | Not published |
| Bank of Punjab | BOP Lahore Qalandars Debit Card | Other | PKR 3,500 | PKR 1,750 | Not published | Not published | |
| Bank of Punjab | BOP Mastercard Gold Debit Card | Mid | PKR 4,000 | PKR 2,000 | Not published | On BOP@Work payroll accounts, free issuance and renewal (no salary tier) per Jul-Dec 2026 SOBC Section T-9. | Not published |
| Bank of Punjab | BOP Mastercard Platinum Debit Card | Premium | PKR 6,000 | PKR 3,000 | Not published | On BOP@Work payroll accounts, free issuance and renewal (no salary tier) per Jul-Dec 2026 SOBC Section T-9. | Not published |
| Bank of Punjab | BOP Taqwa Platinum Islamic Debit Card | Other | PKR 6,000 | PKR 3,000 | Not published | Not published | |
| Bank of Punjab | BOP Taqwa World Islamic Debit Card | Other | PKR 20,000 | Not published | Not published | Subsidized pricing for Priority-marked Current/Saving Account customers at PKR 9,000 per annum; standard pricing PKR 20,000 for all other customers per Taqwa SOBC Jul-Dec 2026. | Not published |
| Bank of Punjab | BOP World Debit Card | Premium | PKR 20,000 | PKR 10,000 | Not published | Subsidized pricing for Priority-marked KHAAS customers: PKR 9,000 annual / PKR 4,500 supplementary on KHAAS Current Account, PKR 12,000 / PKR 6,000 on KHAAS Saving Account; standard pricing PKR 20,000 / PKR 10,000 for all other customers. | Not published |
| BankIslami | PayPak Debit Card | Other | PKR 2,200 | Not published | Not published | Free for BIPL staff salary accounts (Jul-Dec 2026 SOC, section 11); free issuance/annual fee and replacement for Priority Banking customers (PKR 3 million combined quarterly-average relationship balance) per Jul-Dec 2026 SOC, section 12.B, which now covers 'any Debit Cards offered by the bank'. | Not published |
| BankIslami | Classic Debit Mastercard | Entry | PKR 3,200 | Not published | Not published | Free for BIPL staff salary accounts (Jul-Dec 2026 SOC, section 11); free issuance/annual fee and replacement for Priority Banking customers (PKR 3 million combined quarterly-average relationship balance) per Jul-Dec 2026 SOC, section 12.B, which now covers 'any Debit Cards offered by the bank'. | Not published |
| BankIslami | Titanium Debit Mastercard | Mid | PKR 5,000 | Not published | Not published | Free issuance/annual fee and replacement for Priority Banking customers (PKR 3 million combined quarterly-average relationship balance) per Jul-Dec 2026 SOC, section 12.B ('any Debit Cards offered by the bank'). | Not published |
| Easypaisa | Easy Paisa DebitCard | Entry | Free | Not published | PKR 1,000 | No annual fee; one-time issuance fee of PKR 1,000 (incl. tax) for the easypaisa Visa Debit Card per the Branchless Banking Schedule of Bank Charges, Jul-Sep 2026. | No minimum |
| Easypaisa | Easy Paisa Pay Pak Debit Card | Entry | Free | Not published | PKR 1,000 | No annual fee; one-time issuance fee of PKR 1,000 (incl. tax) for the easypaisa PayPak Debit Card per the Branchless Banking Schedule of Bank Charges, Jul-Sep 2026. | No minimum |
| Easypaisa | Easy Paisa Union Pay Debit Card | Entry | Free | Not published | PKR 999 | No annual fee; one-time issuance fee of PKR 999 (incl. tax) for the easypaisa UnionPay Debit Card per the Branchless Banking Schedule of Bank Charges, Jul-Sep 2026. | No minimum |
| Faysal Bank Limited | Faysal Islami Priority Platinum Debit Card | Premium | Free | Not published | Not published | Complimentary while Priority Banking eligibility is maintained (NTB: PKR 3Mn CA/SA / PKR 5Mn Term Deposit at account opening; ETB: PKR 3Mn quarterly average). Otherwise quarterly fee of Rs. 2,125 (primary) / Rs. 1,625 (supplementary) applies. | Salary PKR 500,000/month |
| Faysal Bank Limited | Faysal Islami Priority World Debit Card | Premium | Free | Not published | Not published | Complimentary while Priority World eligibility is maintained (NTB: PKR 5Mn CASA / PKR 15Mn Term Deposit at account opening; ETB: PKR 5Mn quarterly average CASA / PKR 15Mn TD; or Employee Banking PKR 1,000,000 gross salary per month). Otherwise quarterly fee of Rs. 5,000 (primary) / Rs. 3,000 (supplementary) applies. | Salary PKR 1,000,000/month |
| Faysal Bank Limited | Faysal Bank Business Debit Card | Other | PKR 2,300 | Not published | PKR 2,100 | Not published | |
| Faysal Bank Limited | Faysal Islami Co-Badged Mastercard PayPak Debit Card | Entry | PKR 2,300 | PKR 1,600 | PKR 2,100 | Not published | |
| Faysal Bank Limited | Faysal Islami Mastercard Classic Debit Card | Entry | PKR 2,300 | PKR 1,600 | Not published | Not published | |
| Faysal Bank Limited | Faysal Islami PayPak Debit Card | Entry | PKR 2,300 | PKR 1,700 | PKR 2,100 | Not published | |
| Faysal Bank Limited | Faysal Islami PayPak UnionPay Co-Badged Debit Card | Entry | PKR 2,300 | PKR 1,700 | PKR 2,100 | Not published | |
| Faysal Bank Limited | Faysal Islami Mastercard Amal Gold Debit Card | Mid | PKR 3,300 | PKR 2,300 | Not published | Not published | |
| Faysal Bank Limited | Faysal Islami Mastercard Gold Debit Card | Mid | PKR 3,300 | PKR 2,300 | Not published | Not published | |
| Faysal Bank Limited | Faysal Islami Mastercard Amal Platinum Debit Card | Premium | PKR 7,000 | PKR 6,000 | Not published | Not published | |
| Habib Metro Bank | PayPak Debit Card | Entry | PKR 2,200 | PKR 2,200 | Not published | Not published | |
| Habib Metro Bank | Foreign Currency Visa Debit Card | Other | PKR 3,300 | PKR 3,300 | Not published | Not published | |
| Habib Metro Bank | Visa Classic Debit Card | Entry | PKR 3,300 | PKR 3,300 | Not published | Not published | |
| Habib Metro Bank | Visa Ladies Debit Card | Other | PKR 3,300 | PKR 3,300 | Not published | Free for the first year; PKR 3,300 for subsequent years. | Not published |
| Habib Metro Bank | Visa Gold Debit Card | Mid | PKR 4,400 | PKR 4,400 | Not published | Not published | |
| Habib Metro Bank | Visa Platinum Debit Card | Premium | PKR 7,500 | PKR 7,500 | Not published | Average balance PKR 3,000,000 | |
| Habib Metro Bank | Business Debit Card | Other | PKR 16,000 | PKR 16,000 | Not published | Not published | |
| Habib Metro Bank | Visa Infinite Debit Card | Premium | PKR 35,000 | PKR 35,000 | Not published | Annual fee for additional spouse card is waived for Priority Banking customers. | Relationship balance PKR 100,000,000 |
| HBL | HBL Business DebitCard | Other | Free | Not published | Not published | Mastercard Business Classic issuance and annual fee are 100% waived for business customers (Jul-Dec 2026 SOBC Part M, note vii). Product page confirms 'Free for life'. | Average balance PKR 40,000 |
| HBL | HBL Prestige World Elite DebitCard | Premium | Free | Not published | Not published | Free issuance, renewal, and replacement for HBL Prestige members (SOBC Jan-Jun 2026 Part T, Section 2A). | Relationship balance PKR 5,000,000 |
| HBL | HBL PayPak DebitCard | Entry | PKR 2,000 | Free | Not published | First-year free issuance of the PayPak Debit Card for HBL Mahana Amdan, HBL Haryali, all Asaan variants and the Freelancer Digital Account; from the second year onwards the annual fee applies (SOBC Jul-Dec 2026, Part M note (iii)). | Not published |
| HBL | HBL UnionPay Classic DebitCard | Entry | PKR 2,700 | PKR 550 | Not published | Not published | |
| HBL | HBL UPI & PayPak Co-Badge DebitCard | Entry | PKR 2,700 | PKR 550 | Not published | First-year free issuance of the PayPak debit card for HBL Mahana Amdan, HBL Haryali, all Asaan variants and Freelancer Digital Account; second year onwards annual fees apply (Jul-Dec 2026 SOBC Part M, note iii). HBL Rutba and HBL iD were removed from this list and now receive a first-year-free Classic variant instead (note iv). | Not published |
| HBL | HBL Classic DebitCard | Entry | PKR 3,000 | PKR 550 | Not published | Issuance of HBL Classic (Master) or Gold (Master) debit card for HBL Nisa Plus Current and HBL Nisa Saving customers is waived for the first year; second year onwards annual fee applies per latest SOBC. For HBL iD and HBL Rutba the Classic variant is free for the first year. Free Classic debit card for HBL @Work customers (Current, Saving & FCY), free Classic variant for HBL Freedom Account on maintaining PKR 40,000+ monthly average balance, and 50% waiver for Nisa Asaan Classic customers (Jul-Dec 2026 SOBC Part M notes ii, iv, v, vi, ix). | Average balance PKR 40,000 |
| HBL | HBL Nisa DebitCard | Other | PKR 3,000 | Not published | Not published | For HBL Nisa Plus Current and HBL Nisa Saving customers, issuance of the chosen HBL Classic (Master) or HBL Gold (Master) debit card is waived in the first year; subsequent annual fees apply according to card type per latest SOBC (Mastercard Standard Rs. 3,000 or Mastercard Gold Rs. 3,800). HBL Nisa Plus Current Mastercard Gold issuance is additionally waived if customer maintains PKR 25,000+ at account opening (KFS). | Not published |
| HBL | HBL Titanium DebitCard | Mid | PKR 3,000 | PKR 900 | Not published | Average balance PKR 40,000 | |
| HBL | HBL UnionPay Gold DebitCard | Mid | PKR 3,500 | Not published | Not published | Not published | |
| HBL | HBL Gold DebitCard | Mid | PKR 3,800 | Not published | Not published | HBL Preferred customers (PKR 500,000-1,999,999 quarterly average current-account balance, or PKR 750,000-6,999,999 in savings) receive a 50% waiver on issuance charges, annual fee and replacement charge of the Master Gold Debit Card (Jul-Dec 2026 SOBC Part V). | Average balance PKR 40,000 |
| HBL | HBL World DebitCard | Premium | PKR 20,000 | Not published | Not published | For qualified HBL Premium customers (PKR 2,000,000-4,999,999 quarterly average current-account balance, or PKR 7,000,000-14,999,999 savings / qualifying investments), the Jul-Dec 2026 SOBC Part U waives issuance and annual fee 100% in year 1 and gives a 50% annual-fee waiver from year 2 onward for the Master World Debit Card; replacement is charged. | Relationship balance PKR 2,000,000 |
| HBL | HBL World Business DebitCard | Other | PKR 22,000 | Not published | Not published | Mastercard Business World: issuance 100% waived; annual fee charged at 50% (Jul-Dec 2026 SOBC Part M, note vii). Product page confirms first-year complimentary, PKR 22,000 from year 2 onward, subject to partial waivers. | Not published |
| HBL Islamic Bank Limited | HBL Islamic Business DebitCard | Other | Free | Not published | Not published | Jul-Dec 2026 ISOBC footnote (vi): Mastercard Business Classic issuance and annual fee are 100% waived for business customers. Product page confirms 'Business Classic Debit Card: Free for life'. | Not published |
| HBL Islamic Bank Limited | HBL Islamic Prestige World Elite DebitCard | Premium | Free | Not published | Not published | Free issuance and renewal for HBL Islamic Prestige members; free card replacements. | Relationship balance PKR 5,000,000 |
| HBL Islamic Bank Limited | HBL Islamic PayPak Debit Card | Entry | PKR 2,000 | Free | Not published | First-year free issuance for all Islamic Asaan accounts, HBL Islamic Mahana Amdan, and Freelancer Digital Account; second year onwards annual fees apply (Jul-Dec 2026 ISOBC note iii). HBL Uraan customers now get a free HBL Uraan Debit Card (note vii) and HBL iD / HBL Rutba a first-year-free Classic variant (note iv) instead of the PayPak first-year waiver. | Not published |
| HBL Islamic Bank Limited | HBL Islamic UnionPay Classic DebitCard | Entry | PKR 2,700 | PKR 550 | Not published | Not published | |
| HBL Islamic Bank Limited | HBL Islamic UPI & PayPak Co-Badge DebitCard | Entry | PKR 2,700 | PKR 550 | Not published | First-year free issuance of the PayPak debit card for all Islamic Asaan accounts, HBL Islamic Mahana Amdan and Freelancer Digital Account; second year onwards annual fees apply (Jul-Dec 2026 ISOBC, note iii). HBL Uraan and HBL Islamic Rutba were removed from this list. | Not published |
| HBL Islamic Bank Limited | HBL Islamic Mastercard Standard Debit Card | Entry | PKR 3,000 | PKR 550 | Not published | Issuance charges of Mastercard Standard for Islamic Nisa Tawfir variants are waived for the first year (note i). For HBL iD and HBL Rutba the Classic variant is free for the first year (note iv). Free Classic debit card for HBL @Work Islamic Premium customers (note v). 50% waiver for Nisa Asaan Classic customers (note viii). (Jul-Dec 2026 ISOBC p.17.) | Not published |
| HBL Islamic Bank Limited | HBL Islamic Titanium DebitCard | Mid | PKR 3,000 | PKR 900 | Not published | Not published | |
| HBL Islamic Bank Limited | HBL Islamic UnionPay Gold DebitCard | Mid | PKR 3,500 | Not published | Not published | Not published | |
| HBL Islamic Bank Limited | HBL Islamic Mastercard Gold Debit Card | Mid | PKR 3,800 | Not published | Not published | HBL Nisa Plus Current Account and Nisa Saving Account customers may choose either HBL Classic (Master) Debit Card or HBL Gold (Master) Debit Card at account opening with issuance waived for the first year; second year onwards, annual fees apply per ISOBC. HBL Islamic Preferred customers (PKR 500,000-1,999,999 quarterly average in Islamic Current or Saving accounts) receive a 50% waiver on issuance charges, annual fee and replacement charge of the Master Gold Debit Card (Jul-Dec 2026 ISOBC Part V). | Not published |
| HBL Islamic Bank Limited | HBL Islamic World Debit Card | Premium | PKR 20,000 | Not published | Not published | For qualified HBL Islamic Premium customers (PKR 2,000,000-4,999,999 quarterly average in Islamic Current or Saving accounts, or qualifying investments), the Jul-Dec 2026 ISOBC Part U waives issuance and annual fee 100% in year 1 and 50% from year 2 onward for the Master World Debit Card; replacement is charged. | Not published |
| HBL Islamic Bank Limited | HBL World Islamic Business DebitCard | Other | PKR 22,000 | Not published | Not published | Jul-Dec 2026 ISOBC footnote (vi): Mastercard Business World issuance is 100% waived and annual fee is charged at 50% of the schedule (effective Rs. 11,000). Product page mentions first year free with PKR 22,000 from year two, subject to partial waivers. | Not published |
| JS Bank | JS PayPak Classic Debit Card | Entry | PKR 1,500 | PKR 750 | PKR 1,000 | Not published | |
| JS Bank | PayPak Classic Debit Card | Entry | PKR 1,500 | PKR 750 | PKR 1,000 | PayPak Debit Card annual fee waived for JS Inclusive Current Account holders; also waived on JS Elite Current Account. | No minimum |
| JS Bank | Mastercard Gold Debit Card | Mid | PKR 2,500 | PKR 1,250 | PKR 1,000 | Mastercard Gold debit annual fee waived on JS Premier Raabta Current Account with previous 3 months' average balance of PKR 150,000 and above; also waived on JS Elite Plus Current Account and JS L/CY Current Account. | Average balance PKR 150,000 |
| JS Bank | Mastercard Her Titanium Debit Card | Mid | PKR 3,500 | PKR 1,750 | PKR 1,000 | Titanium Mastercard Debit Card annual fee free on JS HER Current Account when monthly average balance of PKR 50,000 is maintained. | Average balance PKR 50,000 |
| JS Bank | Mastercard Titanium Debit Card | Mid | PKR 3,500 | PKR 1,750 | PKR 1,000 | Not published | |
| JS Bank | Mastercard Platinum Debit Card | Premium | PKR 7,000 | PKR 3,500 | PKR 1,000 | Platinum Mastercard Debit Card annual fee waived on JS Platinum Business Current Account when previous 3 months' average balance is PKR 150,000 and above. | Average balance PKR 150,000 |
| JS Bank | Mastercard World Debit Card | Premium | PKR 17,000 | PKR 8,500 | PKR 1,000 | Relationship balance PKR 3,000,000 | |
| MCB Bank Limited | Visa Fun Club Debit Card | Other | PKR 1,000 | Not published | Not published | Issuance fee is waived if the Fun Club current-account customer maintains an average account balance of PKR 50,000 in the month of issuance; annual fee is waived if PKR 50,000 average balance is maintained in the month prior to when the annual fee falls due (Jul-Dec 2026 SOBC, Section B-3 note). | Average balance PKR 50,000 |
| MCB Bank Limited | Mastercard Classic Debit Card | Entry | PKR 3,000 | PKR 3,000 | Not published | Not published | |
| MCB Bank Limited | Visa Silver Debit Card | Entry | PKR 3,300 | PKR 3,300 | Not published | First issuance of Visa Silver Debit Card is free for customers of the MCB Asaan Digital Current / Saving / Asaan Digital Remittances accounts; subsequent annual fee charged as per SOBC (Jul-Dec 2026 SOBC, Section X). | Not published |
| MCB Bank Limited | Nayab Visa Debit Card | Other | PKR 4,500 | Not published | Not published | Nayab Current Account Affluent tier (monthly avg. balance >= PKR 1,000,000) publishes free Issuance / Annual / Renewal on the Exclusive Nayab Visa Card; Mass tier (<= PKR 100,000) and Premium tier (PKR 100,000 - <1,000,000), plus Nayab Savings Account, publish only a 50% issuance discount with the full annual / renewal fee charged (Jul-Dec 2026 SOBC). | Not published |
| MCB Bank Limited | Visa Gold Debit Card | Mid | PKR 4,500 | PKR 4,500 | Not published | Not published | |
| MCB Bank Limited | MCB Visa Platinum Debit Card | Premium | PKR 14,000 | PKR 6,500 | Not published | Relationship balance PKR 5,000,000 | |
| MCB Bank Limited | MCB Visa Signature Debit Card | Premium | Not published | Not published | Not published | No fee if the customer maintains a quarterly average balance of PKR 2,000,000 in a single Current Account or PKR 5,000,000 in total deposits across all accounts (incl. FCY); otherwise PKR 12,000 plus FED is charged per quarter (Jul-Dec 2026 SOBC). | Relationship balance PKR 5,000,000 |
| MCB Bank Limited | PayPak Debit Card | Other | Not published | Not published | Not published | Free issuance, annual & renewal of PayPak Classic and PayPak Gold for customers of MCB Salary Club, MCB Nayab Current (Premium/Affluent), MCB Freelancer, MCB Asaan Digital, and MCB Young Current accounts (Jul-Dec 2026 SOBC, account-product tables). | Not published |
| MCB Islamic Bank Ltd | MCB Islamic PayPak Classic Debit Card | Other | PKR 3,000 | Not published | Not published | Shandaar Account waives first issuance for PayPak / UPI Classic / UPI Gold variants for individuals (replacement and annual/renewal still charged); PayFlex Regular/Premier/Grand/Executive packages waive new and annual/renewal fees for PayPak when the published salary/Employee-Banking criteria are met. | Balance PKR 100 |
| MCB Islamic Bank Ltd | MCB Islamic Qadar Classic Debit Card | Entry | PKR 3,400 | Not published | Not published | Shandaar Account waives first issuance for PayPak / UPI Classic / UPI Gold variants (replacement and annual/renewal still charged); PayFlex Premier/Grand/Executive packages waive new and annual/renewal fees for UPI Classic when the published salary/Employee-Banking criteria are met. | Not published |
| MCB Islamic Bank Ltd | MCB Islamic Visa Classic Debit Card | Entry | PKR 3,500 | Not published | Not published | Shandaar accountholders can have the Visa Classic issuance fee reversed if a PKR 100,000 monthly average balance is maintained in the three months following card issuance; the reversal applies to first issuance only; replacement and annual/renewal are charged per SOBC. | Not published |
| MCB Islamic Bank Ltd | MCB Islamic Qadar Gold Debit Card | Mid | PKR 4,300 | Not published | Not published | Shandaar Account waives first issuance for PayPak / UPI Classic / UPI Gold variants (replacement and annual/renewal still charged); PayFlex Premier/Grand/Executive packages waive new and annual/renewal fees for UPI Gold when the published salary/Employee-Banking criteria are met. | Not published |
| MCB Islamic Bank Ltd | MCB Islamic Platinum Debit Card | Premium | PKR 12,000 | Not published | Not published | Prime accountholders receive 12 months of free UPI Platinum annual/renewal if a PKR 3,000,000 monthly average deposit balance is maintained in 6 of the previous 12 months; otherwise charged per SOBC. | Balance PKR 1,000,000 |
| Meezan Bank | Meezan Platinum MasterCard Debit Card | Other | Free | Free | Free | Free for Premium customers maintaining Premium Banking criteria (PKR 3M checking balance for Individual / Sole Proprietor or PKR 750,000 monthly salary via Meezan Payroll Partner). PKR 800 monthly fee levied if Premium status not maintained. | Relationship balance PKR 3,000,000 |
| Meezan Bank | Meezan Visa Student Debit Card | Other | Free | Free | Free | First issuance and annual fee are free per SOC; only available with Meezan Asaan Student Account (age 18-24). | Not published |
| Meezan Bank | Meezan Kids & Teens Card | Other | PKR 1,250 | PKR 1,250 | Free | First issuance free per SOC; annual fee applies from second year onwards as per SOC. | Balance PKR 500 |
| Meezan Bank | Meezan PayPak Debit Card | Entry | PKR 2,500 | PKR 2,500 | PKR 2,500 | Free issuance and annual fee for Meezan Plus account holders maintaining PKR 200,000 monthly average balance; free issuance for Meezan Digital Account / Asaan Current / Rupee Current account holders selecting PayPak as their one free primary card. | Average balance PKR 200,000 |
| Meezan Bank | Meezan Master Classic Debit Card | Other | PKR 3,500 | PKR 3,500 | PKR 3,500 | Free issuance and annual fee for Meezan Plus account holders maintaining PKR 200,000 monthly average balance; free issuance for Meezan Digital Account / Asaan Current / Rupee Current account holders selecting Master Classic as their one free primary card. | Average balance PKR 200,000 |
| Meezan Bank | Meezan Visa Silver Debit Card | Entry | PKR 3,500 | PKR 3,500 | PKR 3,500 | Free issuance and annual fee for Meezan Plus account holders maintaining PKR 200,000 monthly average balance; also free issuance for Meezan Digital Account, Asaan Current Account and Meezan Rupee Current Account holders (one primary card per account). | Average balance PKR 200,000 |
| Meezan Bank | Meezan Women First Debit Card | Other | PKR 3,500 | PKR 3,500 | PKR 500 | First-year discounted pricing on Women First Visa Debit Card per women-account page; thereafter SOC rates apply with no standing waiver published. | Not published |
| Meezan Bank | Meezan Visa Gold Debit Card | Mid | PKR 4,500 | PKR 4,500 | PKR 4,500 | Free issuance and annual fee for Meezan Plus account holders maintaining PKR 200,000 monthly average balance; first-card free issuance for Meezan Rupee Current / Asaan Current account holders and Meezan Senior Citizen account holders. | Average balance PKR 200,000 |
| Meezan Bank | Meezan Titanium MasterCard Debit Card | Other | PKR 5,000 | PKR 5,000 | PKR 5,000 | Free for first year on Meezan Roshan Digital Account holders who have remitted funds in their PKR RDA per SOC Section O; no standing balance waiver in SOC Section N (Meezan Plus). | Not published |
| Meezan Bank | Meezan Visa Platinum Debit Card | Other | PKR 10,000 | PKR 10,000 | PKR 10,000 | Not published | |
| Meezan Bank | Meezan World Debit Card | Premium | PKR 27,500 | PKR 27,500 | PKR 27,500 | Waived for Premium customers maintaining average monthly balance of PKR 5M in checking accounts, PKR 7M across checking + Term Deposit Certificates, or PKR 25M across checking + TDCs + Islamic Naya Pakistan Certificates from Meezan RDA. PKR 2,200 monthly fee levied if Premium eligibility not maintained. | Relationship balance PKR 5,000,000 |
| Meezan Bank | Meezan Visa Infinite Debit Card | Premium | PKR 45,000 | PKR 45,000 | PKR 45,000 | Waived for Premium customers maintaining average monthly balance of PKR 15M in checking accounts, PKR 20M across checking + Term Deposit Certificates, or PKR 50M across checking + TDCs + Islamic Naya Pakistan Certificates from Meezan RDA. PKR 3,750 monthly fee levied if Premium eligibility not maintained. | Relationship balance PKR 15,000,000 |
| Mobilink Microfinance Bank Limited | PayPak Bint-e-Hawwa Debit Card | Other | Free | Not published | Free | First card issuance is free and renewal is Nil per the SOC; no fee to waive. | Balance PKR 100 |
| Mobilink Microfinance Bank Limited | JazzCash Mastercard Debit Card | Other | PKR 99 | Not published | PKR 999 | Not published | |
| Mobilink Microfinance Bank Limited | JazzCash PayPak Debit Card | Other | PKR 299 | Not published | PKR 999 | Not published | |
| Mobilink Microfinance Bank Limited | PayPak Classic Debit Card | Entry | PKR 1,300 | Not published | PKR 1,300 | No minimum | |
| Mobilink Microfinance Bank Limited | PayPak Gold Debit Card | Mid | PKR 1,700 | Not published | PKR 1,700 | No minimum | |
| National Bank of Pakistan | PayPak Pink | Entry | Free | Not published | PKR 760 | No minimum | |
| National Bank of Pakistan | PayPak Classic | Entry | PKR 2,000 | Not published | PKR 760 | Annual fee waived for the first year only on NBP Itmenan Current Account (SOBC Jul-Dec 2026, item 18.10). Debit card issuance/renewal free on NBP Choice Business / Individual Current Accounts (item 18.9); Aitemaad Income Support, Senior, Asaan Current/Saving, Foree Remittance, Merchant and Amirah accounts get debit card issuance and annual fee free (Aitemaad SOBC 4.2-4.10). | No minimum |
| National Bank of Pakistan | UPI Classic | Entry | PKR 2,500 | Not published | PKR 600 | No minimum | |
| National Bank of Pakistan | UPI Gold | Mid | PKR 3,500 | Not published | PKR 600 | Balance PKR 100,000 | |
| National Bank of Pakistan | PayPak Edge co-badge Mastercard | Premium | PKR 5,000 | Not published | PKR 800 | Balance PKR 500,000 | |
| Soneri Bank Limited | Soneri PayPak Debit Card | Entry | PKR 3,000 | Not published | Not published | Waived where the customer's account balance is PKR 25,000 or above at the time of PayPak card issuance; for renewals/subsequent years, waived where the annual average account balance is PKR 25,000 or above (KFS Deposit Products - Current, effective 01 Jul 2026). | Not published |
| Standard Chartered Bank Pakistan | PayPak Debit Card | Entry | PKR 2,800 | Not published | Not published | No minimum | |
| United Bank Limited (UBL) | UBL Wiz Virtual Prepaid Card | Other | Free | Not published | PKR 600 | No annual fee on the virtual prepaid card; one-time issuance fee PKR 600 plus FED is the only card-level charge. | No minimum |
| United Bank Limited (UBL) | UBL PayPak Debit Card | Other | PKR 2,000 | PKR 1,200 | PKR 2,000 | First debit card issuance is free for Mukammal/Urooj/Freelancer/Good Citizen/Pensioner/Business Partner Plus accountholders; ongoing annual waiver requires meeting the relevant account YTD-average trigger (PKR 25,000 on most accounts). | No minimum |
| United Bank Limited (UBL) | UBL UnionPay International Debit Card | Other | PKR 2,300 | PKR 1,500 | PKR 2,300 | No minimum | |
| United Bank Limited (UBL) | UBL Ameen Premium Debit MasterCard | Premium | PKR 2,900 | PKR 1,500 | PKR 2,900 | First debit card issuance free for Ameen Mukammal/Urooj/Freelancer/Good Citizen accountholders; ongoing fee waiver requires meeting the relevant account YTD/monthly-average trigger. | No minimum |
| United Bank Limited (UBL) | UBL Mastercard Premium Debit Card | Other | PKR 2,900 | PKR 1,500 | PKR 2,900 | Issuance/annual fee waived for Mukammal, Urooj, Freelancer, Good Citizen, Pensioner, Business Partner Plus, and Zindagi accountholders on meeting the relevant YTD-average trigger; first issuance free across these accounts. | No minimum |
| United Bank Limited (UBL) | UBL Visa Freelancer Debit Card | Other | PKR 2,900 | PKR 1,500 | PKR 2,900 | First debit card issuance free for UBL Freelancer Account holders; full ongoing waiver requires PKR 500,000 monthly average balance per SOC p.6 Freelancer Waiver Grid. | No minimum |
| United Bank Limited (UBL) | UBL Visa Premium Debit Card | Premium | PKR 2,900 | PKR 1,500 | PKR 2,900 | Issuance/annual fee waived for UBL Mukammal, Urooj, Freelancer, Good Citizen, Pensioner, Business Partner Plus, and Zindagi accountholders maintaining the relevant YTD/monthly-average-balance trigger (commonly PKR 25,000); first debit card issuance is free across these accounts. See SOC waiver grids p.5-8. | No minimum |
| United Bank Limited (UBL) | UBL Visa Urooj Debit Card | Other | PKR 2,900 | PKR 1,500 | PKR 2,900 | Issuance/annual debit-card fee is free for UBL Urooj Current Account holders maintaining the published monthly-average tier waivers (PKR 500k tier per SOC p.5); first card issuance is free regardless of balance. | No minimum |
| United Bank Limited (UBL) | UBL Mastercard Signature Debit Card | Premium | PKR 25,000 | PKR 25,000 | PKR 25,000 | Issuance, annual, supplementary, and replacement fees waived on maintaining UBL Signature - Priority Banking criteria (PKR 3 million quarterly average balance in any LCY current account, or equivalent in FCY/deposits). Rack fees apply on downgrade. | Average balance PKR 3,000,000 |
| United Bank Limited (UBL) | UBL Visa Infinite Debit Card | Premium | PKR 45,000 | PKR 45,000 | PKR 45,000 | Issuance, annual, supplementary, and replacement fees are waived as long as the customer maintains UBL Signature - Priority Banking criteria (PKR 3 million quarterly average balance in any LCY current account, or equivalent in FCY/deposits). On downgrade, the rack fees in the SOC apply. | Average balance PKR 3,000,000 |
| United Bank Limited (UBL) | UBL Visa FCY Business Debit Card | Other | Not published | Not published | Not published | Not published |
Related
Questions about debit card fees
Which debit cards in Pakistan have no annual fee?
23 debit and prepaid cards on this list have no annual fee, including Allied Visa Infinite Debit Card, Askari Visa Signature Debit Card, Bank Alfalah Islamic Premier Visa Signature Debit Card, Bank Alfalah Premier Visa Signature Debit Card, Bank Alfalah Premier Visa Top Tier Debit Card and Bank Alfalah Visa Infinite Debit Card. Some of them are free only for holders of a particular account, so check the eligibility column.
How much is a debit card annual fee in Pakistan?
Among cards that charge one, the median annual fee is PKR 3,300. The lowest is PKR 99 and the highest is PKR 45,000. Premium tiers cost more; the tier table above shows the median for each.
What salary do I need for a debit card?
8 of the 164 cards on this list have a published minimum monthly salary, from PKR 41,667 to PKR 1,000,000. Most of the rest ask for an account or relationship balance instead, or the bank publishes no threshold.
Can I get my debit card annual fee waived?
65 cards publish a waiver, usually for spending a set amount, keeping a minimum balance, or holding a salary account. Our guide to annual fee waivers groups them by type.
How current are these fees?
Every card was checked against its bank's Jul to Dec 2026 schedule of charges, key fact statements and product pages. Banks publish new schedules every January and July, and we re-check all cards after each one.