Every number on this site has a receipt. Each fee, tax and calculation step links to the official document it comes from, with the exact line highlighted. See the documents
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Checked · Schedule Oct–Dec 2026

Zindigi foreign transaction feeand everything else you pay on a card abroad

Zindigi by JS Bank charges 1% on its Visa debit 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 Zindigi's own schedule of charges highlighted.

Visa debit

Branchless wallet card

Official doc
Online & in shops abroad
1%
ATM cash abroad
1% (min Rs 1000)
Tax on the fee
Included in the fee
236Y advance tax
0.5% filer · 1% non-filer
  • Charges are inclusive of FED.
  • Already applies the new 0.5% / 1% withholding tax.

Schedule: Oct–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.

Zindigi Visa debit · Card payment, online or in a shop
You payIn rupeesBank feeTax on fee236YTotalExtra
$5Rs 1,385.27Rs 13.85incl.Rs 6.93Rs 1,406.051.5%
$20Rs 5,541.10Rs 55.41incl.Rs 27.71Rs 5,624.221.5%
$50Rs 13,852.75Rs 138.53incl.Rs 69.26Rs 14,060.541.5%
$100Rs 27,705.49Rs 277.05incl.Rs 138.53Rs 28,121.071.5%
$500Rs 138,527.47Rs 1,385.27incl.Rs 692.64Rs 140,605.381.5%
Zindigi Visa debit · Cash withdrawal abroad
You withdrawIn rupeesBank feeTax on fee236YTotalExtra
$100Rs 27,705.49Rs 1,000.00minincl.Rs 138.53Rs 28,844.024.1%
$300Rs 83,116.48Rs 1,000.00minincl.Rs 415.58Rs 84,532.061.7%

min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.

Work out your own amount

The receipts

Where these numbers come from

Zindigi'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.

  1. Highlighted extract from JS Bank (Zindigi)'s Schedule of Bank Charges — Zindigi by JSBL, Oct–Dec 2026, page 1: Zindigi: 1% POS; ATM Rs 1,000 or 1%; inclusive of FED; WHT 0.5%/1%

    JS Bank (Zindigi) · Schedule of Bank Charges — Zindigi by JSBL, Oct–Dec 2026 · PDF p.1 of 6

    Zindigi: 1% POS; ATM Rs 1,000 or 1%; inclusive of FED; WHT 0.5%/1%

    “International POS Transaction — 1% of transaction amount · International ATM Cash Withdrawal — PKR 1,000 or 1%, whichever is higher · WHT on International Transactions — 0.5% for filers and 1% for non-filers · (Charges are inclusive of FED)”

    Open the PDF at p.1With the full page

Compare

How Zindigi compares

Every card for a $20 card payment, cheapest first (filer, Punjab, Rs 277.05 per dollar).

CardFeeTotal for $20Extra
1Zindigi · Visa debit1%, tax includedRs 5,624.221.5%
2NayaPay · Visa debit$0.25 flatRs 5,649.151.9%
3Meezan · FCY debit card3%Rs 5,761.644.0%
4Askari · Ikhlas Visa debit3.5%Rs 5,793.784.6%
5Allied Bank · Credit cardup to 4%Rs 5,825.915.1%
6Allied Bank · Debit card4% (min Rs 100)Rs 5,825.915.1%
7BankIslami · Debit card4%Rs 5,825.915.1%
8HBL · Credit card4%Rs 5,825.915.1%
9HBL · Debit card4%Rs 5,825.915.1%
10HBL · USD debit card4%Rs 5,825.915.1%
11Mashreq NEO · NEO debit4%Rs 5,825.915.1%
12MCB · Credit card4% (min Rs 100)Rs 5,825.915.1%
13Meezan · Debit card4%Rs 5,825.915.1%
14NBP · Virtual card4%Rs 5,825.915.1%
15Raqami · Visa debit4%Rs 5,825.915.1%
16Bank of Punjab · Debit card4.25%Rs 5,841.995.4%
17MCB · Debit card4.4% (min Rs 100)Rs 5,851.635.6%
18Bank Alfalah · Credit card4.5% (min Rs 125)Rs 5,858.065.7%
19Bank Alfalah · Debit card4.5%Rs 5,858.065.7%
20Bank AL Habib · Credit card4.5%Rs 5,858.065.7%
21Bank AL Habib · Visa debit card4.5%Rs 5,858.065.7%
22Faysal Bank · Noor credit card4.5%Rs 5,858.065.7%
23UBL · Credit card4.5% (min Rs 100)Rs 5,858.065.7%
24UBL · Debit card4.5% (min Rs 150)Rs 5,858.065.7%
25Askari · Credit card4.85%Rs 5,880.556.1%
26SadaPay · Mastercard6% (+Rs 55 up to Rs 800), tax includedRs 5,901.286.5%
27JS Bank · Debit card4.5% (min Rs 350)Rs 5,974.817.8%
28NBP · Debit card4% (min Rs 350)Rs 5,974.817.8%
29Standard Chartered · Credit cardup to 6% + Re 1/USDRs 5,977.687.9%
30Standard Chartered · Debit cardup to 8%Rs 6,083.039.8%
31JS Bank · Credit card5% (min Rs 450)Rs 6,090.819.9%

Questions

Zindigi's charges, answered

How much does Zindigi charge on international transactions?

Visa debit (Branchless wallet card): 1% of the payment, tax included. On a $20 card payment by a filer with an account in Punjab, the Visa debit costs Rs 5,624.22 in total, Rs 83.12 (1.5%) more than the market rate.

Is there tax on Zindigi's foreign transaction fee?

Zindigi'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 Zindigi charge to withdraw cash abroad?

Visa debit: 1% (min Rs 1000) per withdrawal, tax included. Taking out $100 with the Visa debit costs Rs 28,844.02 in all, including tax on the fee and 236Y.

Where do these Zindigi 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.