Pakistan Debit Card Charges Comparison
Debit cards look free when you open an account, but most Pakistani banks charge a yearly fee for the card — and often a separate yearly fee for SMS alerts. Enter your usage profile, review the editable charge table below, and see which bank costs you the least per year.
Your Usage Profile
Ranking — Total Yearly Cost
| Rank | Bank | Card fee (PKR/year) | SMS alerts (PKR/year) | Total yearly cost (PKR) |
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Editable Charge Table — Indicative 2025–26 Figures (PKR)
| Bank | Classic debit annual fee | Gold debit annual fee | Platinum debit annual fee | SMS alert annual charges |
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Click any figure to edit it. Figures are indicative — always confirm the current schedule of charges with the bank.
How to use
- Review the charge table. If you know a bank has changed a fee, click the value and type the new one.
- Choose your card tier and whether you keep SMS alerts on, then enter how many debit cards you hold.
- Press Rank Banks by Yearly Cost. The tool multiplies the per-card cost by your number of cards and orders the banks from cheapest to most expensive.
- The green row is the cheapest option for your profile. Use it as a starting point, then confirm the exact fees with the bank.
Frequently asked questions
It depends on the card tier and add-ons you use. This tool lets you edit the indicative figures and ranks all seven banks by your total yearly cost, so you can see the cheapest option for your own usage profile.
No. All figures are indicative values based on publicly available schedules of charges. Banks change their fees from time to time, so you must confirm the current charges with the bank before making a decision.
Many banks charge a separate yearly fee for SMS alerts that notify you of each debit transaction. You can usually turn SMS alerts off to reduce the total yearly cost.
Yes. You can enter how many debit cards you hold, and the ranking multiplies the per-card yearly cost accordingly, because annual fees apply to each card separately.
Disclaimer: All charges on this page are indicative figures based on publicly available schedules of charges for 2025–26. Actual fees may differ by account type, card variant, and promotions. Always confirm the current charges directly with the bank before opening an account or switching cards.