Checked · Schedule Jul–Dec 2026
The Bank of Punjab charges 4.25% on its debit card when you pay in a foreign currency, plus provincial sales tax on that fee. On top comes 0.5% advance tax under Section 236Y (1% for non-filers). Here's what that adds up to, with every source highlighted. Not all of it comes from Bank of Punjab's own document: the badges say where each figure does.
International debit
Official excerptSchedule: Jul–Dec 2026
Worked examples
At Rs 277.05 per US dollar (market rate, 28 Oct 2026), for a filer with an account in Punjab. The dollar moves every day; the calculator uses today's rate.
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 58.87 | Rs 9.42 | Rs 6.93 | Rs 1,460.49 | 5.4% |
| $20 | Rs 5,541.10 | Rs 235.50 | Rs 37.68 | Rs 27.71 | Rs 5,841.99 | 5.4% |
| $50 | Rs 13,852.75 | Rs 588.74 | Rs 94.20 | Rs 69.26 | Rs 14,604.95 | 5.4% |
| $100 | Rs 27,705.49 | Rs 1,177.48 | Rs 188.40 | Rs 138.53 | Rs 29,209.90 | 5.4% |
| $500 | Rs 138,527.47 | Rs 5,887.42 | Rs 941.99 | Rs 692.64 | Rs 146,049.52 | 5.4% |
min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.
The receipts
The documents these figures come from, with the lines we read highlighted. The taxes on every card come from FBR's rate card and the provincial tax laws.
The Bank of Punjab · Half Year Schedule of Bank Charges (w.e.f. 01-07-2026)
“4.25% of the transaction amount · no PST or FED for branches operating in Islamabad, Azad Jammu & Kashmir and Gilgit-Baltistan”
Compare
Every card for a $20 card payment, cheapest first (filer, Punjab, Rs 277.05 per dollar).
| Card | Fee | Total for $20 | Extra |
|---|---|---|---|
| 1Zindigi · Visa debit | 1%, tax included | Rs 5,624.22 | 1.5% |
| 2NayaPay · Visa debit | $0.25 flat | Rs 5,649.15 | 1.9% |
| 3Meezan · FCY debit card | 3% | Rs 5,761.64 | 4.0% |
| 4Askari · Ikhlas Visa debit | 3.5% | Rs 5,793.78 | 4.6% |
| 5Allied Bank · Credit card | up to 4% | Rs 5,825.91 | 5.1% |
| 6Allied Bank · Debit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 7BankIslami · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 8HBL · Credit card | 4% | Rs 5,825.91 | 5.1% |
| 9HBL · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 10HBL · USD debit card | 4% | Rs 5,825.91 | 5.1% |
| 11Mashreq NEO · NEO debit | 4% | Rs 5,825.91 | 5.1% |
| 12MCB · Credit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 13Meezan · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 14NBP · Virtual card | 4% | Rs 5,825.91 | 5.1% |
| 15Raqami · Visa debit | 4% | Rs 5,825.91 | 5.1% |
| 16Bank of Punjab · Debit card | 4.25% | Rs 5,841.99 | 5.4% |
| 17MCB · Debit card | 4.4% (min Rs 100) | Rs 5,851.63 | 5.6% |
| 18Bank Alfalah · Credit card | 4.5% (min Rs 125) | Rs 5,858.06 | 5.7% |
| 19Bank Alfalah · Debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 20Bank AL Habib · Credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 21Bank AL Habib · Visa debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 22Faysal Bank · Noor credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 23UBL · Credit card | 4.5% (min Rs 100) | Rs 5,858.06 | 5.7% |
| 24UBL · Debit card | 4.5% (min Rs 150) | Rs 5,858.06 | 5.7% |
| 25Askari · Credit card | 4.85% | Rs 5,880.55 | 6.1% |
| 26SadaPay · Mastercard | 6% (+Rs 55 up to Rs 800), tax included | Rs 5,901.28 | 6.5% |
| 27JS Bank · Debit card | 4.5% (min Rs 350) | Rs 5,974.81 | 7.8% |
| 28NBP · Debit card | 4% (min Rs 350) | Rs 5,974.81 | 7.8% |
| 29Standard Chartered · Credit card | up to 6% + Re 1/USD | Rs 5,977.68 | 7.9% |
| 30Standard Chartered · Debit card | up to 8% | Rs 6,083.03 | 9.8% |
| 31JS Bank · Credit card | 5% (min Rs 450) | Rs 6,090.81 | 9.9% |
Questions
Debit card (International debit): 4.25% of the payment. On a $20 card payment by a filer with an account in Punjab, the debit card costs Rs 5,841.99 in total, Rs 300.89 (5.4%) more than the market rate.
Yes. Provincial sales tax is added to the fee, at 15–16% depending on the province of your account's branch. 236Y advance tax of 0.5% (filer) or 1% (non-filer) is charged on the whole amount.
From the bank's own document, but only a search-engine excerpt could be read; the file itself was blocked. The exact lines are highlighted below, and the full documents are on Jhatka's documents page.
