Checked · Tax year 2027
Foreign transaction fees of every Pakistani bankand wallet, in one table
All 31 cards whose fee we could source: 30 from the issuer's own schedule of charges, one from a search-engine excerpt, as each badge says. Sorted by what a $20 card payment really costs a filer with an account in Punjab, at Rs 277.05 per dollar (28 Oct 2026). Tap a bank for worked examples and its highlighted schedule.
| Card | Online & shops | ATM abroad | Tax on fee | Source | $20 costs | Extra |
|---|---|---|---|---|---|---|
| Zindigi · Visa debitBranchless wallet card | 1% | 1% (min Rs 1000) | Included | Official doc | Rs 5,624.22 | 1.5% |
| NayaPay · Visa debitPhysical & virtual | $0.25 flat | Rs 200 flat | + 15–16% | Official doc | Rs 5,649.15 | 1.9% |
| Meezan · FCY debit cardMastercard — from a dollar account | 3% | 4% (min $3) | + 15–16% | Official doc | Rs 5,761.64 | 4.0% |
| Askari · Ikhlas Visa debitIslamic banking, Classic to Signature | 3.5% | 4% (min Rs 400) | + 15–16% | Official doc | Rs 5,793.78 | 4.6% |
| Allied Bank · Credit cardVisa Gold & Platinum | up to 4% | — | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| Allied Bank · Debit cardVisa & UnionPay–PayPak | 4% (min Rs 100) | 4% (min Rs 100) | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| BankIslami · Debit cardVisa | 4% | 4% | + 15–16% | Older official doc | Rs 5,825.91 | 5.1% |
| HBL · Credit cardGreen, Gold, Platinum, FuelSaver | 4% | — | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| HBL · Debit cardVisa, Mastercard & UnionPay (PKR) | 4% | 4% (min Rs 300) | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| HBL · USD debit cardVisa Chip USD — from a dollar account | 4% | 4% (min $3) | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| Mashreq NEO · NEO debitMastercard | 4% | 4% (min Rs 200) | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| MCB · Credit cardClassic, Gold, Platinum | 4% (min Rs 100) | — | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| Meezan · Debit cardVisa & Mastercard — Classic to Infinite | 4% | 4% (min Rs 600) | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| NBP · Virtual cardOnline, QR & NFC payments | 4% | — | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| Raqami · Visa debitClassic & Platinum | 4% | 4% (min Rs 300) | + 15–16% | Official doc | Rs 5,825.91 | 5.1% |
| Bank of Punjab · Debit cardInternational debit | 4.25% | — | + 15–16% | Official excerpt | Rs 5,841.99 | 5.4% |
| MCB · Debit cardVisa Silver to Signature | 4.4% (min Rs 100) | 4.5% (min Rs 100) | + 15–16% | Official doc | Rs 5,851.63 | 5.6% |
| Bank Alfalah · Credit cardClassic, Gold, Platinum, Signature, AMEX | 4.5% (min Rs 125) | — | + 15–16% | Official doc | Rs 5,858.06 | 5.7% |
| Bank Alfalah · Debit cardVisa & Mastercard | 4.5% | 4% (min Rs 400) | + 15–16% | Official doc | Rs 5,858.06 | 5.7% |
| Bank AL Habib · Credit cardGreen, Gold & Platinum | 4.5% | — | + 15–16% | Official doc | Rs 5,858.06 | 5.7% |
| Bank AL Habib · Visa debit cardSilver to Signature (UnionPay the same) | 4.5% | 4.5% (min Rs 300) | + 15–16% | Official doc | Rs 5,858.06 | 5.7% |
| Faysal Bank · Noor credit cardIslamic credit card | 4.5% | — | + 15–16% | Official doc | Rs 5,858.06 | 5.7% |
| UBL · Credit cardVisa Classic, Gold, Platinum | 4.5% (min Rs 100) | — | + 15–16% | Official doc | Rs 5,858.06 | 5.7% |
| UBL · Debit cardVisa, Mastercard & UnionPay (PKR) | 4.5% (min Rs 150) | 4.5% (min Rs 150) | + 15–16% | Official doc | Rs 5,858.06 | 5.7% |
| Askari · Credit cardMastercard Classic to World | 4.85% | — | + 15–16% | Official doc | Rs 5,880.55 | 6.1% |
| SadaPay · MastercardPhysical & virtual | 6% (+Rs 55 up to Rs 800) | Rs 250 flat | Included | Official doc | Rs 5,901.28 | 6.5% |
| JS Bank · Debit cardMastercard & Visa, Gold to World | 4.5% (min Rs 350) | 4.5% (min Rs 350) | + 15–16% | Official doc | Rs 5,974.81 | 7.8% |
| NBP · Debit cardUnionPay & Mastercard–PayPak, in shops abroad | 4% (min Rs 350) | 4% (min Rs 500) | + 15–16% | Official doc | Rs 5,974.81 | 7.8% |
| Standard Chartered · Credit cardPlatinum & World | up to 6% + Re 1/USD | — | + 15–16% | Official doc | Rs 5,977.68 | 7.9% |
| Standard Chartered · Debit cardClassic, Platinum & World | up to 8% | up to 8% | + 15–16% | Official doc | Rs 6,083.03 | 9.8% |
| JS Bank · Credit cardClassic & Platinum | 5% (min Rs 450) | — | + 15–16% | Official doc | Rs 6,090.81 | 9.9% |
Every card also pays 0.5% advance tax under Section 236Y (1% for non-filers), included in the totals. “Tax on fee” is provincial sales tax, charged on the fee only. Badges say how direct the source is: what they mean.
On every card
The taxes
| Tax | Rate | Charged on | Source |
|---|---|---|---|
| Advance tax, Section 236Y | 0.5% filer · 1% non-filer | The whole payment | FBR rate card |
| Sales tax on services · Punjab | 16% | The bank's fee | Official doc |
| Sales tax on services · Sindh | 15% | The bank's fee | Official doc |
| Sales tax on services · Khyber Pakhtunkhwa | 15% | The bank's fee | Official doc |
| Sales tax on services · Balochistan | 15% | The bank's fee | Official doc |
| Sales tax on services · Islamabad (ICT) | 0% | The bank's fee | Official excerpt |
| Sales tax on services · Azad Kashmir | 0% | The bank's fee | Official excerpt |
| Sales tax on services · Gilgit-Baltistan | 0% | The bank's fee | Official excerpt |
| Sindh tax on foreign IT services | 3% | Streaming, software and cloud, Sindh accounts | Older official doc |
Not ranked
Cards we couldn't verify
Left out on purpose rather than guessed.
- Easypaisa Visa
Its current schedule refuses automated downloads (HTTP 403). The newest archived copy (Jan–Mar 2026) has no international charge.
- JazzCash Mastercard
Its newest schedule we found (Jul–Sep 2026) lists the card's fees but no international charge.
- Faysal debit card
Its Jul–Dec 2026 schedule refuses automated downloads and isn't archived. The Jan–Jun 2026 one gives ATM cash abroad but no rate for paying abroad.
- Alfa UnionPay wallet card
Lists 2% plus 'up to 5% over market rate', which makes the real cost unknowable.
