Checked · Schedule Jul–Dec 2026
SadaPay (EMI) charges 6% (+Rs 55 up to Rs 800) on its Mastercard when you pay in a foreign currency, with tax included. On top comes 0.5% advance tax under Section 236Y (1% for non-filers). Here's what that adds up to, with SadaPay's own schedule of charges highlighted.
Physical & virtual
Official docSchedule: 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 83.12 | incl. | Rs 6.93 | Rs 1,475.32 | 6.5% |
| $20 | Rs 5,541.10 | Rs 332.47 | incl. | Rs 27.71 | Rs 5,901.28 | 6.5% |
| $50 | Rs 13,852.75 | Rs 831.17 | incl. | Rs 69.26 | Rs 14,753.18 | 6.5% |
| $100 | Rs 27,705.49 | Rs 1,662.33 | incl. | Rs 138.53 | Rs 29,506.35 | 6.5% |
| $500 | Rs 138,527.47 | Rs 8,311.65 | incl. | Rs 692.64 | Rs 147,531.76 | 6.5% |
| You withdraw | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $100 | Rs 27,705.49 | Rs 250.00 | incl. | Rs 138.53 | Rs 28,094.02 | 1.4% |
| $300 | Rs 83,116.48 | Rs 250.00 | incl. | Rs 415.58 | Rs 83,782.06 | 0.8% |
min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.
The receipts
SadaPay's own document, with the lines we read highlighted. The taxes on every card come from FBR's rate card and the provincial tax laws.
SadaPay · Schedule of Charges (July–December 2026) · captured 28 Oct 2026, 21:16 PKT
“International Transaction Fee Up To Rs. 800 — Rs. 55 + 6%* · Above Rs. 800 — 6%* · International ATM Fee — Rs. 250*”
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
Mastercard (Physical & virtual): 6% (+Rs 55 up to Rs 800) of the payment, tax included. On a $20 card payment by a filer with an account in Punjab, the Mastercard costs Rs 5,901.28 in total, Rs 360.18 (6.5%) more than the market rate.
SadaPay's fee already includes tax. You still pay 236Y advance tax on the whole amount: 0.5% if you're on FBR's Active Taxpayers List, 1% if not.
Mastercard: Rs 250 flat per withdrawal, tax included. Taking out $100 with the Mastercard costs Rs 28,094.02 in all, including tax on the fee and 236Y.
Read directly from the bank's own current schedule. The exact lines are highlighted below, and the full documents are on Jhatka's documents page.
