SadaPay foreign transaction feeand everything else you pay on a card abroad
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.
Mastercard
Physical & virtual
Official doc
Online & in shops abroad
6% (+Rs 55 up to Rs 800)
ATM cash abroad
Rs 250 flat
Tax on the fee
Included in the fee
236Y advance tax
0.5% filer · 1% non-filer
SadaPay's fee already includes tax.
Its page still states the old 5% / 10% withholding tax.
Schedule: Jul–Dec 2026
Worked examples
What a payment really costs
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.
SadaPay Mastercard · Card payment, online or in a shop
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%
SadaPay Mastercard · Cash withdrawal abroad
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%.
How much does SadaPay charge on international transactions?
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.
Is there tax on SadaPay's foreign transaction fee?
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.
How much does SadaPay charge to withdraw cash abroad?
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.
Where do these SadaPay figures come from?
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.