Checked · Schedule Jul–Dec 2026
Standard Chartered Pakistan charges up to 8% on its debit card and up to 6% + Re 1/USD on its credit 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 Standard Chartered's own schedule of charges highlighted.
Classic, Platinum & World
Official docSchedule: Jul–Dec 2026
Platinum & World
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 110.82 | Rs 17.73 | Rs 6.93 | Rs 1,520.75 | 9.8% |
| $20 | Rs 5,541.10 | Rs 443.29 | Rs 70.93 | Rs 27.71 | Rs 6,083.03 | 9.8% |
| $50 | Rs 13,852.75 | Rs 1,108.22 | Rs 177.32 | Rs 69.26 | Rs 15,207.55 | 9.8% |
| $100 | Rs 27,705.49 | Rs 2,216.44 | Rs 354.63 | Rs 138.53 | Rs 30,415.09 | 9.8% |
| $500 | Rs 138,527.47 | Rs 11,082.20 | Rs 1,773.15 | Rs 692.64 | Rs 152,075.46 | 9.8% |
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 88.12 | Rs 14.10 | Rs 6.93 | Rs 1,494.42 | 7.9% |
| $20 | Rs 5,541.10 | Rs 352.47 | Rs 56.40 | Rs 27.71 | Rs 5,977.68 | 7.9% |
| $50 | Rs 13,852.75 | Rs 881.17 | Rs 140.99 | Rs 69.26 | Rs 14,944.17 | 7.9% |
| $100 | Rs 27,705.49 | Rs 1,762.33 | Rs 281.97 | Rs 138.53 | Rs 29,888.32 | 7.9% |
| $500 | Rs 138,527.47 | Rs 8,811.65 | Rs 1,409.86 | Rs 692.64 | Rs 149,441.62 | 7.9% |
| You withdraw | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $100 | Rs 27,705.49 | Rs 2,216.44 | Rs 354.63 | Rs 138.53 | Rs 30,415.09 | 9.8% |
| $300 | Rs 83,116.48 | Rs 6,649.32 | Rs 1,063.89 | Rs 415.58 | Rs 91,245.27 | 9.8% |
min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.
The receipts
Standard Chartered's own documents, with the lines we read highlighted. The taxes on every card come from FBR's rate card and the provincial tax laws.
Standard Chartered Pakistan · Schedule of Charges, 1 Jul – 31 Dec 2026 (conventional) · PDF p.3 of 4 (printed p.14)
“POS Transaction Spread (International merchants and airlines) — Up to 8% of transaction amount · Up to 6% of the transaction amount for all QR payments · ATM Transaction Spread (International merchants) — Up to 8% of transaction amount”
Standard Chartered Pakistan · Schedule of Charges, 1 Jul – 31 Dec 2026 (conventional) · PDF p.4 of 4 (printed p.20)
“A foreign transaction spread of Re 1*** per USD and up to 6% of the transaction amount**** · ****The rate being used to convert your foreign spend is a function of prevalent open market / buying rate… In addition to this risk premium associated with availability and market fluctuations will also be incorporated in the quoted rate.”
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 (Classic, Platinum & World): up to 8% of the payment. Credit card (Platinum & World): up to 6% + Re 1/USD of the payment. On a $20 card payment by a filer with an account in Punjab, the credit card costs Rs 5,977.68 in total, Rs 436.58 (7.9%) 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.
Debit card: up to 8% per withdrawal. Taking out $100 with the debit card costs Rs 30,415.09 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.
